Health Insurance

Reach Us at 1800-200-4488 (Toll Free)

Senior Citizen Health Insurance

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

With Religare Health Insurance plan's compehensive 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 for senior citizens -
  • Auto recharge of your policy Sum Insured, if exhausted.
  • Avail health check-ups, every year, for insured members.
  • Avail treatment anywhere in the world.
  • No Co-payment in policy Sum Insured 2/3/4 Lacs.
  • No Co-payment in policy Sum Insured > 4, if insured with us before age of 61.
  • No Claim-based loading & No maximum-entry age limit.
  • Cashless treatment & Daily allowance.
  • No paperwork reqd. Buy & get policy online.
Some of the features which you get with Care health policy are -
Auto Recharge of your Sum Insured
If due to claims made, you ever exhaust your health cover, we recharge the entire sum insured of your policy for you, in the policy year. All this at no extra cost!
Avail Health Check-ups, every year
Our wish is your good health. To pre-empt your ever having to visit a hospital, you can avail our comprehensive health check-ups for yourself and adult members of your family covered by the policy, every year. Even if you make a claim with us! Just call our call center anytime, to schedule your appointment. Its simple.
Cashless Hospitalization & Day Care Treatment
If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours, we pay from room charges to operation theatre charges and more. We also pay for your medical expenses if you undergo even a day care treatment at a hospital that requires hospitalization for less than 24 hours - we cover a comprehensive range of 170 day care treatments, the highest in industry. You will also get cashless treatment at our over 4000+ network hospitals and reimbursement in any other hospital of your choice.
Pre & Post hospitalization
We cover the medical expenses incurred by you even 30 days before your hospitalization. There may also be follow-up visits to your medical practitioner, medication that is required etc. We cover the related medical expenses incurred by you after your hospitalization also, for a period of 60 days.
Daily Allowance
This will help you take care of the incidental non-medical expenses (attendant meals, transportation etc.) incurred during hospital stay.
No Sub-Limits !
As far as we are concerned, it is your money – All our plans come without any cap on vital expenses like doctor/surgeon fees, operation theater & allied charges, to name a few. No room rent limit charges plans start from 5 Lac.
Avail Treatment anywhere in the World
Our care knows no boundaries, literally. So, while we ensure you have access to the best healthcare services, we leave it to your discretion whether you would wish to avail certain specialized treatments in India or abroad and reimbursed as per policy. Available for sum insured of 50 and 60 Lacs plans.
'No Co-Payment' Plans
Co-payment means the insured would have to pay a part of the claim amount. Generally, companies ask for 20%. But ALL of our plans are 'No Co-payment' plans for entire life, if the person to be insured is less than 61, at the time of 1st buy of the policy. If the person is more than 61 yrs at the time of 1st buy of policy, they can choose 3 or 4 Lacs plans to have 'No Co-Payment' Option plan.
No 'Claim-based' loading & Get Lifetime Renewability
We want you there for you, for your entire life. That's why none of our plans have any 'Claim-based loading' of premiums at the time of renewals. The Policy can also be renewed lifelong under the prevailing Health Insurance Product or its nearest substitute approved by IRDA.
Get 100% No-Claim Bonus !
If you did not need to have any claim in your health insurance policy in a year, you will get a super increase of 50% bonus in your sum insured every year. Your bonus keeps building up, up to 100% of your sum insured! It’s just our way to tell you that we’re there with you in good times and in bad. This benefit is available in Super No-claim bonus plans. In all other plans you get an increase of 10 per cent in your sum insured during the next year. And for every year that you enjoy un-interrupted good health, your bonus keeps building up, up to 50% of your sum insured!
Review your decision
After purchasing your policy, if you find it unsuitable, you can cancel the same with us. Our policy comes with a free look period of 15 days.
Other great benefits you also get are-
There's still lot more we have for you! All our policies are eligible for cliaming deduction for Tax Benefit under section 80D, Floater Cover, Ambulance expenses covered, Organ donor medical expenses covered, Domiciliary hospitalization covered, Increase your Policy’s Sum Insured even later, 7.5% Discount on 2 year policy terms, online instant health insurance buy and more.
Care - Health insurance policy for Senior Citizen comes with a wide range of benefits. Kindly refer to the below table.
 
Plan Options
Features (Sum Insured ) 2 Lac. 3 Lac. 4 Lac 5 Lac. 7 Lac, 10 Lac 15 Lac. 20 Lac, 25 Lac 50 Lac, 60 Lac
Pre-hospitalisation 30 days 30 days 30 days 30 days
Post-hospitalisation 60 days 60 days 60 days 60 days
Day Care Treatments Yes Yes Yes Yes
Room Rent 1% of SI per day Single Private Room Single Private Room
Upgradable to Next Level
Single Private Room
Upgradable to Next Level
ICU Charges 2% of SI per day No Limit No Limit No Limit
Doctor's Fee etc. No Limit No Limit No Limit No Limit
Other Medical Charges No Limit No Limit No Limit No Limit
Daily Allowance 500 per day upto 5 days - - -
Ambulance Cover 1,500 per claim 2,000 per claim 2,500 per claim 3,000 per claim
Domiciliary hospitalisation Up to 10% of SI Up to 10% of SI Up to 10% of SI Up to 10% of SI
Organ Donor Cover 50,000 1,00,000 2,00,000 3,00,000
Annual Health Check-up Yes Yes Yes Yes
Second Opinion - Yes Yes Yes
No Claim Bonus Yes Yes Yes Yes
Auto-Recharge of Sum Insured Yes Yes Yes Yes
Care Anywhere - - - Yes
The standard policy exclusions are -
  • Any pre-existing ailment/injury that was diagnosed/received within 48 months prior to issuance of the first policy.
  • Any diseases contracted during first 30 days of the policy start date except those arising out of accidents.
  • Non-allopathic treatment.
  • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
  • Cost of spectacles/contact lenses, dental treatment
  • 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.
  • Please remember, there are some treatments such as non-infective arthritis, joint replacement etc., which are covered only after completion of 2 consecutive policy years.
For more details, kindly refer to our health insurance policy's detailed exclusion list.
Claim Processing
Claim Intimation
In case of emergency, please intimate us within 24 hours of hospitalisation.
If planned hospitalisation, intimate us 48 hours prior to your admission.
1800-200-4488 1800-200-6677 customerfirst@religarehealthinsurance.com
Cashless
Request for Pre-Authorisation
Re-imbursement
Claim From Submission
Complete the pre-authorisation form available at the hospital's insurance/TPA Desk and send us through email/fax. This form can also be downloaded from here. Submission of claim from along with required documents, as per the policy terms & conditions The form can be downloaded form here.
Approved letter sent by the
claim management team
 
Hospital/Insurance to respond
to any query raised by the
claim managment team
 
You may initiate the
treatment and file for
re-imbursement claim
Approved letter sent by the
claim management team
 
Insured to respond to query,if any, raised by the claim
management team
 
We will communicate
the reason in case of rejection
To know upload list of network hospitals for cashless treatment or for further information click here. You may also call us on 1800-200-4488 or write to us at customerfirst@religarehealthinsurance.com
Policy Terms
Minimum entry age 91 days
Maximum age No age bar
Renewal Lifelong Renewability. The Policy can be renewed under the then prevailing
Health Insurance Product or its nearest substitute approved by RDA.
Renewal premium Premium payable on renewal and on subsequent continuation of cover arc subject to change with prior approval from IRDA.
Co-payment (SI S Lac & above) If you are 61 years old or more, you will have to pay 20% of the claim amount under the policy We pay the rest.
Waiting period 30 days for any illness except injury
Waiting period for pre-existing illnesses Four years of continuous coverage
Change in sum insured You can enhance your sum insured under the policy only upon renewal
Grace period 30 days from the date of expiry to renew the policy
For more details, kindly refer to our health insurance Policy's terms & conditions.
Do I need to undergo a medical check-up while buying a health insurance policy?
You may be required to undergo a medical check-up after you buy, incase any memeber to be insured is above 45 age or for sum insured 7 Lakhs or above. In most of the cases, the medical tests are done in your home, after taking appointment from you. This will enable us a better understanding of your current and future health requirements. For further details, please refer to the prospectus or call 1800-200-4488 (Toll free).
How does the Auto recharge work?
We will automatically recharge the sum insured, in case the sum insured and any no claim bonus accumulated is exhausted during the policy year. The sum insured will be recharged once in a policy year. Recharge Sum Insured can be used for future claims and not against an illness/disease (including its complications) for which a claim has already been made in the current policy year.
What is Co-payment?
Health Insurance companies use Co-Payment after insured member turns a certain age. Co-pay is that part of your claim amount, which you have to bear. Co-pay can be in % terms or an absolute amount. For example, in case of co-pay of 20% and claim of Rs. 10,000, we will pay you Rs. 8,000 (80% of 10K) and you will bear 20% (Rs. 2,000). In Religare Health Insurance policy there is No Co-payment ever, in policy Sum Insured 2/3/4 Lacs.For Sum Insured > 4, there will be no co-payment ever, if insured with us before age of 61.
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