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Main Highlight of the plan

  • It offers recharge benefit equal to 100% of the sum insured. This benefit recharges the sum insured by 100% when the sum insured falls short or has completely exhausted due to an unrelated claim made in the same policy period.
  • It offers health check-up once every year, irrespective of claims made, for individuals of age 18 years and above and who are not covered in the health insurance policy as children.
  • It offers no-claim bonus super add-on cover which makes no-claim benefit equal to 60% of the sum insured.
  • It covers some specialized treatments (listed in the policy document) anywhere in the world for sum insured INR 50,00,000 and above.

Scope of cover


Entry Age

Number of Members

Sum Insured


Individual plan

For children- 5 years onwards

Minimum age for Adults- 18 years

No maximum age limit for adults

Maximum members- 6

Maximum adults- 4

Maximum children- 5

INR 3,00,000 to INR 60,00,000

5 % for two or more members and 10% for more than 4 members

Family Floater plan

Minimum age for children- 3 months

Maximum age for Children- 25 years

Minimum age for adults- 18 years

No maximum age limit for adults

Adults- 2

Children- 4

INR 3,00,000 to INR 60,00,000

All the members are covered under single premium

Coverage: Benefits & Features

Most Important


This plan has a defined limit for room expenses. This limit is equal to
  • 1 % of sum insured for sum insured in the range of INR 3,00,000 to INR 4,00,000.
  • Category of single private room for sum insured in the range of INR 5,00,000 to INR 10,00,000.
  • Category of single private room upgradable to next level for sum insured in the range of INR 15,00,000 to INR 60,00,000.


For individuals with age 61 years and above at the time of buying health insurance policy, co-pay of 20 % for sum insured in the range of INR 5,00,000 to INR 60,00,000 is applicable in this plan.
  • Note: In case of family floater if the age of eldest member is 61 years or more then the co-pay is applicable for all the members covered under the plan.


In this plan no-claim bonus equal to 10% of basic sum insured up to a maximum of 50 % is available. However, the bonus amount is reduced by 10% of sum insured once any claim is made.
  • This plan has option to opt for additional no-claim bonus which will provide additional bonus equal to 50% of sum insured. Thus, the total no-claim bonus increases to 60% of sum insured up to a maximum of 100%. However, the bonus amount is reduced to 60% once any claim is made.
    • Note: After any claim only the bonus amount would be reduced per renewal. However, the basic sum insured will not be affected.

Good to have


30 days of pre hospitalization and 60 days of post hospitalization are provided in this plan.


It offers restore benefit equal to 100% of the sum insured.
  • This restore gets activated right after first claim irrespective of whether the complete sum insured is exhausted, provided the claims are for unrelated ailments.


This plan offers health check-up benefit for some listed tests, once every year, irrespective of claims made. This benefit is applicable for individuals of age 18 years and above and who are not covered in the policy as children.

Value Adds


This plan provides ambulance cover in the range of INR 750 to INR 3000 depending on the sum insured.


This plan does not provide coverage for eye treatment expenses.


Domiciliary hospitalization up to 10% of sum insured is available in this plan.


This plan does not cover alternative practices.


Daily cash allowance of INR 500 is available for 5 days for sum insured of INR 3,00,000 and INR 4,00,000.
  • Note: Daily cash benefit is not available for sum insured beyond INR 4,00,000.


Coverage for medical expenses on treatment of organ donor while donating organ to insured is provided in the range of INR 50,000 to INR 3,00,000.


A cooling off period of 30 days is applicable on buying a policy for the first year. No claims (other than claims related to an accident) can be made in this cooling off period. There is no cooling off period applicable on renewal of this policy.
Waiting period of 2 years is applicable for specified ailments. Refer to the policy wordings for the list of these specified ailments.
Waiting period of 4 years is applicable for pre-existing diseases.


This plan does not provide any outpatient benefits.


This plan does not provide convalescence benefit.


This plan does not cover maternity expenses.


This plan does not offer additional cover for critical illnesses.


Cosmetic surgery, Lasik eye treatments, drugs or alcohol abuse, genetic disorders, self inflicted injuries, war related injuries, etc. are some of the permanent exclusions. For the detailed list of please refer the Religare Health Insurance policy document.

Coverfox Review

The Religare Health Insurance works very well only in a certain combination.

  • The plan works best for sum insured INR 5,00,000 and above with the (paid) No Claim Bonus Add-on. This configuration can get you one of the best combinations of strong relevant practical features and affordable price. The core features like Private Room eligibility, improved Recharge benefit, No Claim Bonus of 150% in 5 years, No copay (if you enter before 60 years), topped with a Free annual medical check for every adult member altogether make it an excellent mix. If this configuration was individually evaluated, the rating would be 4.5 on 5.
  • For sum insured of INR 4,00,000 and below, Religare Care has Room Rent limits, which makes it an ordinary plan. Here it will end up getting not more than 3.5 stars on 5.

Consider this plan, only if you are looking at a cover of INR 5,00,000 or above.

"Reviews and ratings are based only on Benefits and Conditions. Things like Claim Settlement Ratio, Hospital Network have not been covered under product ratings. These are covered under Company ratings."

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