Health Insurance



Best Health Insurance in India

We believe in complete 'Care' for you & your family

With Religare Health Insurance plan's comprehensive coverage, speedy claim settlements and much more, you can be rest assured you will be worry-free 'hamesha' and get industry's best features.


‘Care’ - Health Insurance Policy has unique features like -
  • Cashless treatment at 4000+ hospitals & Daily allowance
  • Auto recharge of your policy Sum Insured, if exhausted
  • Get health check-ups for insured members, every year
  • Avail treatment anywhere in the world
  • Day care procedures also covered - 170
  • No 'Claim based' loading ever & Get Lifetime renewability
  • No paperwork. Buy & get policy online in 2 mins


Care - Health insurance policy comes with a wide range of benefits for you. Kindly refer to the below table.
 
Plan Options
Features (Sum Insured )3 Lac, 4 Lac5 Lac, 7 Lac, 10 Lac15 Lac, 20 Lac, 25 Lac50 Lac, 60 Lac
Pre-hospitalisation30 days30 days30 days30 days
Post-hospitalisation60 days60 days60 days60 days
Day Care TreatmentsYesYesYesYes
Room Rent1% of SI per daySingle Private RoomSingle Private Room
Upgradable to Next Level
Single Private Room
Upgradable to Next Level
ICU Charges2% of SI per dayNo LimitNo LimitNo Limit
Doctor's Fee etc.No LimitNo LimitNo LimitNo Limit
Other Medical ChargesNo LimitNo LimitNo LimitNo Limit
Daily Allowance500 per day upto 5 days---
Ambulance Cover1,500 per claim2,000 per claim2,500 per claim3,000 per claim
Domiciliary hospitalisationUp to 10% of SIUp to 10% of SIUp to 10% of SIUp to 10% of SI
Organ Donor Cover50,0001,00,0002,00,0003,00,000
Annual Health Check-upYesYesYesYes
Second Opinion-YesYesYes
No Claim BonusYesYesYesYes
Auto-Recharge of Sum InsuredYesYesYesYes
Care Anywhere---Yes

Policy Terms
Minimum entry age91 days
Maximum ageNo age bar
RenewalLifelong Renewability. The Policy can be renewed under the then prevailing 
Health Insurance Product or its nearest substitute approved by IRDA.
Renewal premiumPremium payable on renewal and on subsequent continuation of cover arc subject to change with prior approval from IRDA.
Co-paymentNo Co-payment in policy Sum Insured 3/4 Lacs, for any age. 
No Co-payment in policy Sum Insured > 4 lacs ever, if insured with us before age of 61. If above 61 while getting insured with us 1st time, - you will have to pay 20% of the claim amount under the policy, if any. We pay the rest.
Waiting period30 days for any illness except injury
Waiting period for pre-existing illnessesFour years of continuous coverage
Change in sum insuredYou can enhance your sum insured under the policy only upon renewal
Grace period30 days from the date of expiry to renew the policy
For more details, kindly refer to our health insurance Policy's terms & conditions.
 
The standard policy exclusions are - 
  • Any pre-existing illness.
  • Any diagnosis of diseases / undergoing of surgery / occurrence of event, whose signs or symptoms first occur within 30 days of Policy Period Start date.
  • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
  • Medical expenses incurred for treatment of AIDS
  • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
  • Congenital disease
  • Tests and treatment relating to infertility and in vitro fertilization.
  • War, riot, strike, nuclear weapons induced hospitalization.
For more details, kindly refer to our health insurance policy's detailed exclusion list.


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