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HEALTH

Religare Super Mediclaim By Religare Health Insurance

Chaitali Mehendale Chaitali Mehendale 29 November 2018
5.0 (1 votes)

Religare Health Insurance has launched Religare Super Mediclaim, a very specialized policy to help protect you from the cost of Critical Illnesses. Unlike ordinary Critical Illness plans, this policy does not pay out a fixed amount if you get diagnosed with any Critical Illness, but rather it pays for the actual costs incurred during the treatment for that illness.

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India is quickly catching up to Western countries in terms of development. Our roads are better, literacy has improved, poverty is slowly reducing, and people are more aware of their rights. Exotic goods that used to be impossible to find are now freely available in our markets and online. However, hand in hand with all this we are seeing an increase in prices, pollution and stress. That coupled with the internet/smartphone boom (and a sedentary lifestyle), has led to a huge increase in the number of reported cases of Lifestyle diseases such as Obesity, Cancer, Diabetes, Lung diseases, stroke, and Heart disease. This rise has often been attributed to increasing pollution, poor diet and more time spent in front of computer and phone screens.

Rising prices have affected hospitals also, and with the increased instances of lifestyle diseases, so has the cost of them increased. A coronary bypass can cost up to ₹ 4 lakhs, and that doesn’t include the cost of recuperation.

Cardiac
Angioplasty 1,90,500 - 4,12,750
Bypass Surgery (CABG)1,90,500 - 6,03,250
Heart Valve Replacement3,81,000 - 7,62,000
Heart Transplant 14,60,500 - 25,40,000
Cancer
Chemotherapy (per cycle)63,500 - 1,90,500
Breast Cancer Surgery1,90,500 - 4,25,450
Radiation Therapy3,17,500 - 4,76,250
Other Critical Illnesses
Kidney Transplant3,17,500 - 13,97,000
Liver Transplant25,40,000 - 35,56,000
Lung Transplant13,97,000 - 15,87,500
Knee Replacement2,22,250 - 5,39,750
Cataract Surgery50,800 - 1,27,000

Religare Health Insurance has launched a very specialized policy to help protect you from the cost of these Critical Illnesses. Unlike ordinary Critical Illness plans, this policy does not pay out a fixed amount if you get diagnosed with any Critical Illness, but rather it pays for the actual costs incurred during the treatment for that illness. Also, unlike ordinary Critical Illness plans, it does not expire or lapse when you make a claim, but rather continues to work on in case of relapses or other illnesses. While purchasing the plan you can select whether you only want to purchase coverage for Cancer, Heart Diseases, or all Critical Illnesses. Since you get to customize your policy as per your specifications, you stand to save on what the policy costs.

Plan Features

Sum Insured10 Lakh | 25 Lakh | 50 Lakh | 1 Crore | 2 Crore
Entry Age – MinimumChild: 91 days to 4 years with at least 1 member of age 18 years or above is covered or; 5 years on Individual basis ; Adult: 18 years and above
Entry Age – Maximum50 Years
Cover TypeIndividual : Maximum up to 6 Persons
Pre-policy Issuance Medical CheckupNo Medicals
Tenure1/2/3 Years
In-Patient HospitalizationUp to Sum Insured
Day Care TreatmentUp to Sum Insured
Pre Hospitalization & Post-Hospitalization30 days/60 days
Chemotherapy & Radiotherapy CoverUp to Sum Insured (Only in plans that cover Cancer Critical Illnesses)
Dialysis CoverUp to Sum Insured (Only in plans that cover all Critical Illnesses)
Ambulance CoverUp to Rs. 3000 per hospitalization
Organ Donor CoverUp to SI or 15 Lakhs whichever is lower
Alternative TreatmentsUp to 25% Sum Insured
Second OpinionOnce per policy year
Annual Health Check-upAnnually from 2nd Policy Year
No Claim Bonus50% | 25% | 25% increase/decrease for 1st | 2nd | 3rd Years
Quick Recovery CounsellingUp to Rs. 1000/- per session; Maximum 8 sessions
Doctor On CallAvailable
Room Rent EligibilitySingle Pvt. Room (Sum Insured - 10 Lakh) All Categories (Sum Insured > = 25 Lakh)
ICU ChargesNo Limit
Initial Waiting Period90 days
PED Waiting Period4 years

Exclusions

  • Benign lesions
  • All tumours of the prostate unless histologically classified as having a
  • Gleason score greater than 6 or having progressed to at least clinical TNM classification T2N0M0;
  • Papillary micro - carcinoma of the thyroid less than 1 cm in diameter;
  • Microcarcinoma of the bladder;
  • All tumours in the presence of HIV infection.
  • All OPD based procedures not requiring day care/hospitalization
  • Any Surgery done for diagnostic/investigative purpose
  • Except in case of Pre and Post Hospitalization

Please read the complete Terms and Conditions while making your decision

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5.0 (1 votes)
Chaitali Mehendale
Written by Chaitali Mehendale
Chaitali Mehendale is an avid reader, blogger and traveller. When she is not busy writing stupendous content, she prefers to explore new places and meet new people!