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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:
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 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 Form 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 form along with required documents, as per the policy terms & conditions. The form can be downloaded from here.
Approved letter sent by the claim management team
 
Hospital/Insurance to respond to any query raised by the claim management team
 
You may initiate the treatment and file for reimbursement 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.
 
Some of the Benefits which you get with the health policy are:
20 Critical Illness Covered
Includes Accidental Death Cover –
Avail Health Check-up, every year-
Get Second Opinion
Zero day survival period
Hassle free claim settlement directly by us
Enjoy Tax Benefit
 
Plan Options
Features/plan (Sum Insured ) Enhance 1
Deductible(or existing Policy Sum Insured) 1 Lac,2 Lac,3 Lac,4 Lac or 5 Lac 6 Lac,7 Lac,8 Lac,9 Lac or 10Lac
Sum Insured 1 Lac to 25 Lac
(As multiple of 1,2,3,4 or 5 time of deductible)
6 Lac to 30 Lac
(As multiple of 1,2 or 3 time of deductible)
In patient Care Up to Sum Insured
Pre Hospitalization 30 Days
Post Hospitalization 60 Days
Day Care Treatment Yes
Room Rent Category Single Private Room
ICU charges, Doctor's fee etc. No Limit
Health check-up Yes
Organ Donor Cover Yes
 
What is not covered? 
  • Any pre-existing ailment/injury that was diagnosed /acquired 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 fertilisation
 
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 Form 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 from here.
Approved letter sent by the claim management team
 
Hospital/Insurance to respond to any query raised by the claim management 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.
 
What is a Child Education benefit in critical illness?
We will pay you as a lump sum 10% of Benefit 1 or Benefit 2 Sum Insured towards the education of your child (of age 24 years or less) if you suffer from any Claim is payable under Benefit 1 or Benefit 2.
What is the provision for rebate on premium under section 80D IT Act?
You can avail of a tax benefit on the premiums you pay towards your health insurance, under Section 80D of the Income Tax Act, 1961. (Tax benefits are subject to changes in the tax laws, please consult your tax advisor for more details)
Will I get a discount on renewal if no claim is made during the year?
No, NCB/Discount not applicable.
Do I get a membership card for a Critical Illness Policy?
No, because there will be no hospitalization claim will be given, here we will be giving a lump sum payment of amount equal to the Sum Insured.
At what age one can opt for a Critical Illness Policy?
Minimum entry age : 18 Years
Maximum entry age : 65 Years
Maximum renewal age : Lifelong
Age of proposer : 18 Years or above
How does a Critical Illness Policy differ from the other policies?
The policy provides a lump sum payment of amount equal to the Sum Insured in an event mentioned in policy, whereas existing care product only provides the payment equal to the Sum Insured or treatment cost, whichever is lower.
What is a Critical Illness Policy?
The policy provides a lump sum payment of amount equal to the Sum Insured in an event of any critical illness diagnosed, surgical procedures undergone or medical events occurred during the policy period or in an event of death or permanent total disablement, within 12 months of the occurrence of the Injury.


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For premium rates of SI above 3 Crore, please contact the underwriting team.

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Above Premium includes 14.5% Service Tax


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