Time remaining to save tax
Health insurance can help you save tax under section 80D
Get insured for 25 Lakh
158/month*
CASHLESS TREATMENT ACROSS 6000+ HOSPITALS
LOW PREMIUM & HIGH COVERAGE
COVERS 32 CRITICAL DISEASES
EASY INSTALLMENT OPTIONS AVAILABLE
In-Patient Hospitalization: Upto SI for at least 24 Hours of hospitalization.
Day Care Treatment: Hospitalization required for less than 24 hours for listed treatments
OPD Expenses: Doctor consultation, Pharmacy & Diagnostic examination expenses covered
Chemotherapy & Radiotherapy Cover: Covers expenses incurred for chemo and radio therapy
Dialysis Cover: The insured members can avail coverage for Dialysis up to Sum Insured amount.
Organ Donor Cover: Covers medical expenses incurred towards your organ donor.
Alternative Treatments: Covers Ayurveda, Unani, Sidha and Homeopathy treatment
Pre Hospitalization & Post Hospitalization: Covers medical expenses 30 days before hospitalization and 60 days after discharge.
No Claim Bonus: 50%/25%/25% corresponding increase in SI for 1st ,2nd , 3rd claim free policy years
Annual Health Checkup: Annual health check-up for insured member
Quick Recovery Counselling: Psychologist Counseling expenses covered
Doctor On Call: Consult doctors on a call
Global Coverage: Avail Hospitalization expenses outside India with a mandatory co-payment of 10 % per claim.
International Second Opinion: Covers expenses for consultation from international medical experts excluding India
Room Rent Modification: Room rent modification as per specified sum insured
Air Ambulance: Avail air ambulance service up to specified amount and severity of illness
Ambulance Cover: Covers charges for availing ambulance service in India
No Limit On ICU Charges: No Limit on ICU Charges
Plan Name | Critical Mediclaim |
---|---|
Sum Insured (SI) – on annual basis (in Rs.) | 10L,25L,50L,100L,200L |
Benefits | |
Hospitalization Expenses | |
In-Patient Care | Up to SI |
Day Care Treatment | Up to SI |
Pre-Hospitalization and Post-Hospitalization | 30 days/60 days |
Chemotherapy and Radiotherapy Cover | Up to SI |
Dialysis Cover | Up to SI |
Ambulance Cover | Up to Rs 3000 per hospitalization |
Organ Donor Cover | Up to SI or 15 L whichever is lower |
Alternative Treatments | Up to 25% Sum Insured |
Second Opinion | Once per Covered Condition per policy year |
No Claims Bonus(NCB)* | 50%/25%/25%-Corresponding increase in SI for 1st, 2nd and 3rd continuous claim-free Policy Years respectively, Max up to 100% of SI(50%/25/25%-Corresponding decrease in SI per Policy Year in case a claim has been paid; Such decrease is only in SI accrued as NCB) |
International Second Opinion# | Once per Covered Condition per policy year |
Room Rent Eligibility | Single Private Room/No Limit^ |
Air Ambulance Cover# | Up to Rs 5 Lakhs |
Annual Health Check-up | Annual from 2nd Policy Year on Continuous Coverage |
Health Services | |
Quick Recovery Counseling | Up to Rs 1000 Per Session, Maximum 8 Sessions Post Hospitalization in a Policy year( can be availed twice in a month) |
Doctor on Call | Yes(Telephonic/Online Mode) |
Health Portal | Value added services through Company’s Website |
Global Coverage: Coverage outside India - 45 continuous days in a single trip; Max. 90 days on a cumulative basis, in a Policy Year. | Up to SI; only for SI >=1Cr (Limited to In-Patient Care and Day-Care treatment with a Co-payment of 10% per Claim) |
OPD Expenses (Diagnostics + Consultations + Pharmacy ) | Up to 1% of SI ,Max up to Rs 25,000 |
Health Services | |
Quick Recovery Counseling | Up to Rs 1000 Per Session, Maximum 8 Sessions Post Hospitalization in a Policy year( can be availed twice in a month) |
Doctor on Call | Yes(Telephonic/Online Mode) |
Health Portal | Value added services through Company’s Website |
Global Coverage: Coverage outside India - 45 continuous days in a single trip; Max. 90 days on a cumulative basis, in a Policy Year. | Up to SI; only for SI >=1Cr (Limited to In-Patient Care and Day-Care treatment with a Co-payment of 10% per Claim) |
OPD Expenses (Diagnostics + Consultations + Pharmacy ) | Up to 1% of SI ,Max up to Rs 25,000 |
#Optional Benefit. ^with optional benefit Room Rent Modification.
Plan Name | Critical Mediclaim |
---|---|
Sum Insured (SI) – on annual basis (in Rs.) | 10L,25L,50L,100L,200L |
Covered Conditions(Illnesses/Diseases/Surgeries) | 32 Critical illnesses |
Entry Age | 5 years to 50 Years on Individual Basis |
Pre-policy Issuance Medical Check up | No Medicals required## |
Tenure | 1/2/3 Years |
Premium Payment Mode*** | Single/Monthly |
Sub Limits: | |
Room Rent Eligibility | Single Private Room/No Limit^ |
ICU Charges | No limit |
Wait Period: | |
Initial Waiting Period | 90 Days |
Pre-existing Disease | 48 months |
*** Terms and Conditions Applicable. ##at the discretion of the Underwriter. Note: Other SI / Age band options also available.
The Insured Person may access health related information and services such as health risk assessment, Doctor on chat, Special rates for OPD, Diagnostics and Pharmacy through Network Providers , etc as available on the Company's website.
Salient Features
Why Choose RELIGARE HEALTH INSURANCE?
7 Lakhs + Total Claims Paid
Awarded as Claims Leader of the Year
Cashless Claims approval in approx 2 hrs
24 x 7 Claims Service Support
One serious illness in the family and your financial planning goes for a complete toss. We do understand this and therefore promise stability and lifelong commitment to your well-being. Religare Health Insurance offers a comprehensive medical solution for you and your loved ones. Health is wealth, and it’s time you knew!
Let’s Promise to keep your HEALTH SECURE
Super Mediclaim is an Indemnity based Health Insurance Product that offers comprehensive coverage against critical illnesses such as cancer, major heart ailments, organ transplants & even critical surgeries. It gives the flexibility to choose from among 4 Plans basis your requirement.
FIXED BENEFIT CI PLANS | INDEMNITY CI PLANS |
---|---|
Fixed Benefit plans usually come with a pre-defined survival period (which is the minimum time for which an Insured has to survive post diagnosis of any ailment). This is a mandatory requirement to claim. | Super-mediclaim plans do not come with any Survival period. |
Severity based claim payment procedure. An insured might not be eligible to claim unless; an illness has not reached a pre-defined severity. | Insured person is usually eligible for claim on the diagnosis of Critical Illnesses of Low Severity. |
Usually Policy does not pay more than the given sum insured in the entire insured member’s lifetime. | Even if the Sum Insured amount is exhausted in a policy year, the same is reinstated upon renewal. This way a customer can potentially claim an amount equal to the sum insured every year till he/she lives. |
In most cases the policy is terminated on exhaustion of Sum Insured and cannot be continued further. | Every plan in Super Mediclaim comes with Lifelong Renewability |
As against a Regular Health Insurance Cover, Super Mediclaim via its tailored-need based plans endeavors to offer comprehensive coverage for critical illnesses that in today’s era are considered to be the most expensive.
Plans under the product – ‘Super Mediclaim’ would be more affordable than a plan with the same Sum Insured amount of a regular Health Insurance. What makes it even easier to afford is that the fact that premium can be paid in easy installments.
Yes. Super Mediclaim comes with Lifelong Renewability which means once enrolled a person could continue to avail benefits throughout their lifetime (provided policy is renewed timely).
Super Mediclaim provides you the flexibility of paying the premium in Monthly or Quarterly Installments when your policy tenure is 2/3 years.
The option to avail EMIs for premium payment can be opted only at the time of purchase of policy & remains the same throughout policy year.
Upon choosing EMIs as the premium payment mode, if a claim is filed, then the remaining amount of EMIs for the policy year will be deducted from the total claim payable amount.
We understand that some Critical Illness have high impact on Kidney which sheds out a lot of money in getting Dialysis Treatment. We will pay you for availing Dialysis up to Sum Insured even after Post hospitalization.
Cancer is a dreaded disease and it requires constant care. We will pay you for availing Chemotherapy and Radiotherapy cover up to Sum Insured even after Post hospitalization
Super Mediclaim comes with an enhanced version of No claim Bonus. In the first Claim free year, there is a 50% increase in base Sum Insured. In Claim free 2nd & 3rd year there will be 25% corresponding Increase on base SI. Thus 50%/25%/25%-Corresponding increase in SI for 1st, 2nd and 3rd continuous claim-free/ Policy Years respectively, Max up to 100% of SI. 50%/25/25%-Corresponding decrease in SI per Policy Year in case a claim has been paid.
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.
*Sum Insured – Rs. 10/25/50 Lakhs & 1/2 Crore, Age – 18 to 25 years, Monthly Premium Payment Mode including optional benefits, Policy Period – 2 years. Exl GST.
Award at the Insurance India Summit & Award 2018
Call:1800-102-4488|1860-500-4488
Disclaimer: This is only summary of selective features of product SUPER MEDICLAIM (Critical Mediclaim) For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
Please seek the advice of your insurance advisor if you require any further information or clarification.
UIN: RHIHLIP18033V011819. UAN: 18112670
Get 25 Lakh critical cover at just
158*