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Religare Health Insurance

SANDIP VASANT KAMBLE

Contact No.:
9870327327
   

Welcome to the Health Insurance world of SANDIP VASANT KAMBLE

SANDIP VASANT KAMBLE is an IRDA certified insurance advisor with relevant experience in insurance industry. He has been associated with Religare Health Insurance as a certified Health Planner since 17-DEC-12. He has been successfully ensuring sustained good health of his valuable associates, clients and friends.

IRDA license Number : 2918158
Religare Health Planner Code : 20003382
 Email Id Email Id : sandeepvkamble7@gmail.com
Address Address : 6 Sati Sadan, Haji Bapu Road Opp Bank Of Maharashtra And Mahindra Colony Malad East Mumbai MAHARASHTRA 400097
Some of the Benefits which you get with the health policy are:
Auto Recharge of your Sum Insured
Avail Health Check-ups, every year
Hospitalization & Day Care Treatment
Pre & Post hospitalization
Daily Allowance
No Sub-Limits !
Avail Treatment anywhere in the World
'No Co-Payment' Plans
No 'Claim-based' loading & Get Lifetime Renewability
Get 100% No-Claim Bonus !
Review your decision
Other great benefits you also get are-
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 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 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.
 
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 see list of network hospitals for cashless treatment or for further information please 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 IRDA.
Renewal premium Premium payable on renewal and on subsequent continuation of cover arc subject to change with prior approval from IRDA.
Co-payment No 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 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.
 
Why do I need health insurance?
Everyone is exposed to various health hazards. If you don’t have Health Insurance, you end up paying hefty medical bills in the event of hospitalization out of illness or injury from your own pockets. Effectively, this means that your savings would become nil. Or in case your do not have enough money for treatment; you may have to borrow and incur a debt for medical treatment.

In such circumstances, health insurance comes to your rescue. It is a means to shield you against unforeseen financial medical urgency due to illness of injury.

Health insurance covers the cost of private medical treatment for illness and injury that is curable.

Health insurance is necessary owing to increasing medical costs these days & uncertain environment.Therefore, insuring your family against Health Insurance is a must & should surely be a part of your regular financial planning.
What is the difference between a family floater and critical illness or hospital cash insurance?
The individual or family floater health insurance works on the principle of indemnity. This means that these insurance policies will pay you only what you have spent for medical treatment in hospital. On the other hand, the critical illness or the hospital cash insurance pays you the amount insured, irrespective of the amount spent for medical treatment. These are a benefit based policies.
How would I benefit by buying health insurance at a young age?
  • Health insurance premium tends to increase with age - more the age, higher the premium.
  • You can be covered for medical conditions that may be diagnosed over the years provided there is no break in the policy.
  • In addition, each 'no claim’ year would fetch you a discount on your premium or an increase in your sum insured amount at no extra cost. The treatment in case of ‘no-claim’ bonus varies from company to company.
  • Lastly, income tax benefit under Section 80 D of the Income Tax Act.
Why is it necessary for me to disclose my current health status correctly and accurately while I buy a health insurance policy?
Insurance is a contract of utmost good faith. It always pays to be honest. Declaring the correct and accurate health status at the time of buying health insurance ensures smooth processing of your application. This will also help us service you in a better manner.
What is beneficial for me - floater insurance or an individual insurance?
Buying an individual cover or a floater cover is an individual’s perception. However, as a general rule, at younger ages floater cover is advisable. As you grow older, you should go for an individual cover.
How does a Floater cover work?
For instance a person wants a health insurance for himself, his spouse & their children, the Family Floater plan offers insurance coverage to the entire family under one premium payment. Let’s take an example wherein the person insures himself, his spouse & the dependent children with the individual insurance plans with a sum insured of Rs. 1 lakh each, he ends up paying premium ranging between Rs. 1000 - Rs. 2000 for each family member. On the other hand if the person would have opted for the family floater plan with the sum insured of Rs. 3 lakhs, the total premium would surely be less than the separate premium payments in individual health insurance plans. Moreover the separate health plan holds the cover of only Rs. 1 lakh as against Rs. 3 lakh in case of the Floater plan thus helping the family in case the medical treatment costs go beyond that. This 3 Lac is available for each of the family members individually as well as collectively.
What is a No Claim Bonus?
This concept works on the same lines as the no-claim bonus on your car insurance. A Policyholder, who hasn’t made any claim in a year, can use the bonus to their benefit the following year.

Similarly, CARE offers a 10% increase in the policy sum insured for every claim-free year, with no change in premium. So, a policy with a sum insured of Rs 5 lakh, will get an extended cover of Rs 50,000 the following year at the same premium. A claim-free third year will see him earning another ten per cent extra cover on his base sum insured, taking the total to Rs 6 lakh. A maximum bonus of up to 50 per cent is permissible.

In case of claim, the accumulated bonus is reduced by 10%.
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.
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 member to be insured is above 45 age or for  sum insured 15 Lakhs or above. In most of the cases, the medical tests are done in your home, after taking appointment from you. No payment is required upfront for the same. Incase the policy is issued, you will not be charged anything. However, if the policy is declined/Canceled, medical charges will be deducted from the refundable premium amount. 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 do I cancel my health insurance policy?
We offer a free look period to review your policy terms and conditions. In case you are not satisfied with these, you can request for cancellation of your policy during this period. You will be charged the pro-rated premium for the period during which your policy was in-force, the cost of pre-policy health check-up, if any, and the stamp duty. The balance premium would be refunded.

Also, you can request for cancellation of your policy at any time during the policy period. You will be refunded the premium amount as per the short scale grid. The grid is available in your Policy Terms and Conditions. However, in case you have reported any claim with us, you will not be entitled to any refund of premium on cancellation of the policy.
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.
What are the documents required for portability?
You can apply for CARE under portability with following documents:
  • CARE proposal form
  • Portability form
  • Copy of expiring health insurance policy
  • Copy of renewal notice


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