Religare Super Mediclaim Critical Illness Plan

Religare Health Insurance is one of the largest health insurance providers in India. The company offers a wide range of mediclaim and health insurance plans to employees of corporates, individual customers and for financial inclusions. Its portfolio of products include Health Insurance, Critical Illness, Personal Accident, Top-up Coverage,

International Travel Insurance and Maternity along with Group Health Insurance and Group Personal Accident Insurance for corporates.Awards and Recognition

  • Best Health Insurance Company at the ABP News-BFSI Awards
  • Claims Service Leader of the Year - Insurance India Summit & Awards
  • Editor’s Choice Award for Best Product Innovation at Finnoviti
  • Best Medical Insurance Product Award at The FICCI Healthcare Awards

Note:All information has been sourced from the official website ofReligare Health Insurance.

Religare Super Mediclaim Critical Illness is a comprehensive affordable mediclaim health insurance policy which provides cover against 32 major critical illnesses.

Feature and Benefits of Religare Super Mediclaim Critical Illness Insurance Plan

The key features and benefits of this plan are:

Sum InsuredAvailable (Telephonic/Online Mode)
Entry Age5 years to 50 years on individual basis
Cover TypeIndividual: Maximum up to 6 persons
Pre-policy Issuance Medical Check-upNone
Tenure1/2/3 Years
Premium Payment ModeSingle/Monthly/Quarterly
In-PatientUp to Sum Insured
Day Care TreatmentListed as per the Plan, Up to Sum Insured
Pre-Hospitalization & Post-Hospitalization30 days/60 days
Chemotherapy & Radiotherapy CoverUp to Sum Insured
Dialysis CoverUp to Sum Insured
Ambulance CoverUp to Rs. 3000 per hospitalization
Organ Donor CoverUp to SI or Rs.15 lakhs whichever is lower
Alternative TreatmentsUp to 25% Sum Insured
Second OpinionOnce per covered condition per policy year
Annual Health Check-upAnnually from 2nd policy year on continuous coverage
No Claim Bonus50%/25%/25% - Corresponding increase in SI for 1st, 2nd and 3rd continuous claim-free policy years respectively, max up to 100% of SI
Quick Recovery CounsellingUp to Rs. 1000/- per session Maximum 8 sessions per policy year (max. twice a month)
Doctor On CallAvailable (Telephonic/Online Mode)
Health PortalValue added services through company’s website
Global CoverageUp to SI; only for SI >= Rs. 1 Cr (limited to In-Patient Care and Day Care treatment with a Co-payment of 10% per claim)
OPD Expenses for covered condition1% of Sum Insured Max. up to Rs. 25000
International Second OpinionOnce per covered condition per policy year
Air AmbulanceUp to Rs. 5 Lakhs
Room Rent EligibilitySingle Private Room / No limit
ICU ChargesNo limit
Initial Waiting Period90 days
Specific ailment waiting periodNot Applicable
PED Waiting Period4 Years

Additional Benefits of Religare Super Mediclaim Critical Illness Insurance Plan

List of Diseases/Illnesses Covered

  1. Cancer
  2. End-Stage Renal Failure
  3. Multiple Sclerosis
  4. Benign Brain Tumor
  5. Parkinson's Disease
  6. Alzheimer's Disease
  7. End-Stage Liver Disease
  8. Motor Neuron Disorder
  9. End Stage Lung Disease
  10. Bacterial Meningitis
  11. Aplastic Anaemia
  12. Pulmonary Thromboembolism
  13. Primary (Idiopathic) Pulmonary Hypertension
  14. Infective Endocarditis
  15. Major Organ Transplant
  16. Heart Valve Replacement/repair
  17. Surgery of Aorta
  18. Cardiomyopathy
  19. Surgery for cardiac arrhythmia
  20. Angioplasty
  21. Balloon Valvotomy/Valvuloplasty
  22. Carotid Artery Surgery
  23. Coronary Artery Bypass Graft
  24. Pericardiectomy
  25. Surgery to Place Ventricular Assist Devices or Total Artificial Hearts
  26. Stroke
  27. Paralysis
  28. Myocardial Infarction
  29. Implantation of Pacemaker of Heart
  30. Implantable Cardioverter Defibrillator
  31. Major Burns
  32. Blindness

Why Choose Religare Health Insurance?

  1. 7 Lakhs + Total Claims Paid
  2. Awarded as Claims Leader of the Year
  3. Cashless Claims approval in approx. 2 hrs.
  4. 24 x 7 Claims Service Support

Inclusion of Religare Super Mediclaim Critical Illness Insurance Plan

The inclusions under this plan cover 32 specified illnesses/diseases.

Exclusion of Religare Super Mediclaim Critical Illness Insurance Plan

The exclusions under this plan are:

  1. Pre-Existing Disease
  2. Cancer occurred during the waiting period, or there were signs or symptoms during the waiting period that led to the subsequent diagnosis of Cancer
  3. Acquired Immunodeficiency Syndrome (AIDS), AIDS-related complex or infection by Human Immunodeficiency Virus (HIV)
  4. Any medical condition/any medical procedure arising from the donation of any of the life insured’s organ
  5. Damage caused directly or indirectly by alcohol or drug abuse
  6. Any medical condition/any medical procedure arising from nuclear contamination, radioactive, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accidents arising from such nature

Eligibility Criteria for Religare Super Mediclaim Critical Illness Insurance Plan

The age of the life insured should be between - 18 to 25 years and the monthly premium payment mode including optional benefits, policy period - 2 years.

What is the Claim Procedure for Religare Super Mediclaim Critical Illness Insurance Plan?

For Reimbursement Claims,
  1. Submit the relevant documents along with the claim form to Religare Health Insurance (indoor case papers, hospital discharge summary, payment receipts and consultation papers Policy Holder's Name, Claimant's Name & Customer ID, Hospital details, Diagnosis and Treatment details, Approximate claim amount, Date of admission) The claim form and additional documents are to be sent to us at the following address:

Religare Health Insurance Company Limited,

Unit No. 604 - 607, 6th Floor, Tower C, Unitech Cyber Park, Sector-39, Gurugram-122001 (Haryana)

For Cashless Claims,
  1. In case of an emergency, you need to contact Religare Health Insurance immediately on 1800-102-4488 within 24 hours of your admission
  2. Collect and duly fill the pre-authorization form from the network hospital
  3. Submit the relevant documents along with the claim and pre-authorization form
  4. The documents will be verified by the insurer
  5. Post verification, the claim will be approved by the insurer
Documents Required to claim Religare Super Mediclaim Critical Illness Insurance Plan

The standard list of documents required for submission are:

  1. Duly completed and signed Claim form, in original
  2. Valid photo-id proof
  3. Medical practitioner's referral letter advising Hospitalization
  4. Medical practitioner's prescription advising drugs/diagnostic tests/consultation
  5. Original bills, receipts and Discharge card from the Hospital/Medical Practitioner
  6. Original bills from pharmacy/Chemists
  7. Original pathological/diagnostic tests reports/radiology reports and payment receipts
  8. Indoor case papers
  9. First information Report, final police report, if applicable
  10. Postmortem report, if conducted
  11. Any other document as required by the company to assess the claim