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Religare Care Plan

Religare Health Insurance

3.5/5 based on 22 User Reviews
Sometimes it is hard to avoid uncertainties of life, and your health is no exception. Imagine an unforeseen medical emergency in your family that requires a huge chunk of ready cash. That is why you must buy a good health insurance to back you financially at critical times. Religare Health Insurance’s Care Plan is one such breather. With loads of valuable benefits and inbuilt features, it is a positive way to keep you reassured at all times.
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Highlights of Religare Care Policy

  • It allows recharge benefit equal to 100% of the sum insured. This benefit restores 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.
  • It offers no-claim bonus super add-on cover which makes no claim benefit equal to 60% of the sum insured.
  • It includes some specific treatments (listed in the policy document) anywhere in the world for sum insured INR 50,00,000 and above.

Scope of cover

Indivdual Plan

Entry Age

For children : 5

Adults :

Minimum : 18

Maximum : No Age Bar

Number of Members Covered

Maximum Members : 6

Maximum Adults : 4

Maximum Children : 4

Sum Insured

2/3/4/5/7/10/15/20/25/50/60 Lakh


discount

For longer policy term


Policy Periods Available

1, 2 & 3 years


Pre-Policy Medical Check-up

6-18 years - For SI > 10 Lakh

19-45 years - For SI > 7 Lakh

46 years & Above - Compulsory


Family Floater Plan

Entry Age

For children : 91 days

Adults :

Minimum : 18 years

Maximum : No Age Bar

Number of Members Covered

Maximum Members : 6

Maximum Adults : 2

Maximum Children : 4

Sum Insured

2/3/4/5/7/10/15/20/25/50/60 Lakh


discount

For longer policy term


Policy Periods Available

1, 2 & 3 years


Pre-Policy Medical Check-up

6-18 years - For SI > 10 Lakh

19-45 years - For SI > 7 Lakh

46 years & Above - Compulsory


Important Features

Day Care Treatments

Due to scientific advancement, some procedures/treatments do not require you to be hospitalized for a minimum of 24 hours to raise a claim. Religare Care plan covers 170 such procedures.

No-Claim Benefits

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 you make any claim.

- This plan has the option of additional no-claim bonus which will provide an 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 will reduce to 60% once you make any claim.

Note: After any claim only the bonus amount would be reduced per renewal. However, the basic sum insured will not be affected.

Organ Donor Cover

This benefit covers for any expenses related the organ donation for you in the range of INR 50,000 to INR 3,00,000.

Pre Hospitalization

The insurance company will compensate you for the medical expenses related to your hospitalization 30 days before the hospitalization.

Post Hospitalization

The insurance company will pay you for the medical expenses related to your hospitalization 60 days post hospitalization.

Restore Benefits

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.

Good to Have Benefits

OPD Expense Cover

This plan does not cover expenses related to outpatient treatment.

Daily Hospitalization Allowance

This policy does not offer any daily hospital cash.

Health Check-up

Offers complimentary health check-up that covers some listed tests, once every year, irrespective of the claim. Any individual above the age of 18 is eligible for this benefit.

Home Hospitalization/ Domiciliary Hospitalization

You can avail treatment at home up to 10% of sum insured, provided it meets the conditions.

Non- Allopathic Treatment Expense Cover

This plan does not cover expenses related to non-allopathic treatment.

Emergency Ambulance

This plan provides ambulance cover in the range of Rs. 750 to Rs. 3,000 depending on the sum insured.

Value Adds

Eye-cover

This plan does not provide coverage for eye treatment expenses.

Maternity Cover

This plan does not cover maternity costs.

Dental Coverage

This policy does not cover any dental treatments.

Recovery Benefit

This plan does not offer recovery benefit.

Critical Illness Cover

This policy does not provide additional cover for critical illness.

FREE LOOK PERIOD

For any reason, should you decide not to proceed with the policy, you can return the same and request for a refund within 15 days from the date of receipt of the policy document.

Terms & Conditions

Room Rent / Room Category

The plan has defined limits for room rents and is equal to:

  • 1% of sum insured for sum insured between Rs.3 lacs and Rs.4 lacs
  • Single private room for sum insured between Rs.5 lacs and Rs.10 lacs
  • Single private room upgradable to next level for sum insured between Rs.15 lacs and Rs.60 lacs

Co-Payment

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 the case of family floater if the age of the eldest member is 61 years or more then the co-pay applies to all the members covered under the plan.

Waiting Period

Cooling Off Period

A 30 days cooling off period for all claims except any arising out of accidental injuries.

Specific Illnesses

The policy covers some specific diseases/treatments only after 24 months. These include Cataract, Hysterectomy, Myomectomy for Fibroids, and so forth.

Pre-Existing Illnesses

You can claim for any pre-existing conditions after 48 months from the policy start date.

Permanent Exclusions

    Religare Care Plan will not cover any liabilities towards the treatments of following conditions-

    • Whose signs or symptoms first occur within 30 days of the policy period
    • Attempted suicide
    • Use of alcohol or drug
    • AIDS
    • Pregnancy, childbirth, miscarriage, and abortion
    • Congenital disease
    • Infertility and in vitro fertilization.
    • Hospitalization out of war, riot, strike and nuclear weapons

Review of Religare Health Insurance – Care Plan

If you are looking to buy a plan that is power-packed with benefits, Religare Care is one to consider. A decent cover clubbed with valuable benefits and exceptional after-sale services make it a reliable purchase. If you are disappointed with your current insurer, you can also join Religare Care Plan halfway into your existing policy via portability without affecting the benefits gained.

**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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