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Health Insurance Plans

CARE

Comprehensive Health Insurance

CARE FREEDOM

Health Insurance without Medical Check-ups suitable for diabetes and hypertension

CARE SENIOR

Specially curated health insurance for individuals above 61 years of age.

CARE HEART

Health Insurance that Covers Pre-existing heart ailments

ENHANCE

Super Top-up Insurance

JOY

Maternity & new born cover

In achieving our short term goals, we often tend to ignore aspects of our life which might affect it adversely in the long term. Due attention to health has to be paid, and we are here to help you plan for any future expenses pertaining to healthcare. Having a proper Health Insurance Plan will ensure you do so comfortably without undue stress and minimum financial liability.

Why Do You Need a Health Insurance Plan?

Events and ailments cannot be predicted. They can happen to anyone, any time. With modern lifestyle moving towards rising workload, irregular food habits and variable sleep patterns, your body deserves a significant amount of attention to be working in a balanced manner.

Health Insurance is a shield that protects you and your loved ones in cases of medical emergencies.

A good health insurance plan makes sure that financial crisis is not an issue during a medical emergency.

With the skyrocketing cost of healthcare in the country, opting for a good health Insurance Plan is a smart decision for the safety of the individual and family as a whole.

How Religare Health Insurance Plans can help you

5420+

Vast & growing hospital network for cashless claims

4.7
LACS +

Count of claims services

100%

In-house settlement for better management

92%

Delivering industry best settlement ratio

37

Less grievance ratio per 10,000 claims

Why choose Religare Health Insurance

Religare Health Insurance has been the pacesetter in the healthcare industry. With more than 5240 hospitals across the country, we have one of the widest hospital networks in the market.

We have been offering quality healthcare for over a decade which proves our supremacy in the sector.

Religare Health Insurance was accredited as the ‘Best Health Insurance Company’ at the ABP News-BFSI Awards. We have also been adjudged as the ‘Editor’s Choice Award for Best Product Innovation’ at the Finnoviti, ‘Best Medical Insurance Product Award’ at The FICCI Healthcare Awards, and ‘Claims Service Leader of the Year’ at the Insurance India Summit & Awards.

Religare Health Insurance Co. Ltd holds its robust presence in more than 1700 locations across the country.

Awarded as claims leader of the year

The health insurance plans on offer are available online which can be seamlessly accessed by individuals. The health insurance plans cover the expenses for up to 30 days and 60 days including to and after hospitalization.

The individual insured can avail medical check-ups free of cost and the policies are lifelong renewable.

Religare Health Insurance has been the pacesetter in the healthcare industry. With more than 5240 hospitals across the country, we have one of the widest hospital networks in the market.

We have been offering quality healthcare for over a decade which proves our supremacy in the sector.

Religare Health Insurance was accredited as the ‘Best Health Insurance Company’ at the ABP News-BFSI Awards. We have also been adjudged as the ‘Editor’s Choice Award for Best Product Innovation’ at the Finnoviti, ‘Best Medical Insurance Product Award’ at The FICCI Healthcare Awards, and ‘Claims Service Leader of the Year’ at the Insurance India Summit & Awards.

Religare Health Insurance Co. Ltd holds its robust presence in more than 1700 locations across the country.

The health insurance plans on offer are available online which can be seamlessly accessed by individuals. The health insurance plans cover the expenses for up to 30 days and 60 days including to and after hospitalization.

The individual insured can avail medical check-ups free of cost and the policies are lifelong renewable.

CARE - Comprehensive Health Insurance Plan for Individuals and Family

Care is a comprehensive and wholesome health insurance plan for individuals and family alike. We understand that the expenses don’t just start after hospitalization, which is why Care covers all the financial requirements from diagnosis to recovery. We ensure that you are able to focus on your treatment while we handle the financial commitments.

What is covered under Care? ( click here to know more )

In-Patient Care

Pre & Post Hospitalization

Individual & Floater Cover

Domiciliary Hospitalization

Daily Allowance

Ambulance Cover

Organ Donar Cover

Lifelong Renewability

Annual Health-Checkup

No Claim Bonus

Second Opinion

Tax Benefit

In addition to these benefits, CARE offers several optional features such as smart select, OPD care, Everyday care, and much more.

Key Benefits of Care

  • Up to Rs. 6 cr is insured along with lifelong renewability.
  • Option for cashless and seamless direct claim settlement.
  • Applicable with more than 5420 hospitals.
  • If the claim exhausts the coverage amount, you can get automatic recharge at no extra cost.
  • Option of 150% sum increase with no claim bonus.
  • Irrespective of the claim history, all insured members will get annual health check-ups.
  • Up to 50 years of age and for an insured sum less than Rs. 25 Lakhs, there is no pre-policy medical check-up required.

JOY - Maternity Insurance

The joy of a new addition to the family is wonderful. It is a dream comes true that brings an immense amount of happiness to us. But in today’s world, the cost involved during the entire journey of 9 months of pregnancy to delivery is quite high. Obtaining health insurance that covers pregnancy ensures that you are able to bear these costs without disturbing your nest-egg.

What is covered under Joy ( click here to know more )

The Joy Maternity insurance plan offers many benefits beyond maternity and new-born care. It ensures a brief 9-month waiting period for insurance claims, and if one opts for an optional cover, it also includes a 100% increase in the sum ensured with the no-claim bonanza.

This maternity insurance plan has two categories: Joy Tomorrow and Joy Today. These plans provide cover for maternity as well as for new-born care. While the features of both plans are the same, there is a difference in the Maternity wait period. Joy tomorrow helps you plan for a future pregnancy with a wait period of 2 months, while Joy Today prepares you for pregnancy with a Maternity wait period of 9 months.

CARE FREEDOM - Health Insurance without Pre- Medical Check-up suitable for diabetes and hypertension

The senior citizens make up a major part of the living sector and ensuring adequate healthcare for them is an aspect which must not be ignored. CARE Freedom is specifically tailored to cater to the needs of an ageing population and those with pre-existing diseases. It is provided without a pre-medical check-up for anybody above the age of 18, thus ensuring a hassle free experience.

What is covered under Care Freedom ( click here to know more )

Unique features of Care Freedom

  • Only 2 year wait period in case of PED
  • The expenses on dialysis treatment are fully insured
  • Purchase of multiple policies attracts a discount
  • Cashless/reimbursement facilities are available
  • Lifelong renewability of policy

ENHANCE - Super Top Up Health insurance

Enhance is a Super Top Up Health Insurance plan which acts as a safety net that provides support when your regular plan has reached its limit. It is useful when your medical expenses soar unexpectedly. Anyone above the age of 5 (up to 75) can sign up for this. With adequate discounts and premium amounts, it is a popular choice in the market.

What is covered under Enhance ( click here to know more )

Key Benefits of Enhance

  • Flexible choice of deductible with wide range of sum insured options up to Rs.55 lakh
  • No pre-policy medical check-up for sum insured less than 40 lakhs, till 50 years of age.
  • Avail select medical treatment anywhere in the world with Enhance Anywhere feature
  • Direct claim settlement
  • Hassle free cashless treatment at any of our wide range of network hospitals
  • What is not covered under our health insurance plans

    • Any reports of drug or substance overuse or rehab facilities are excluded.
    • Ongoing treatments before the commencement of policies.
    • Diagnosis and treatment of congenital diseases.
    • Injuries faced due to an attempt to murder or self-inflicted wounds.
    • Abortion or miscarriage.
    • Any other unnatural cause of physical injury.

    Why one should get a health check-up done regularly

    Health screenings can help us in knowing the risks our body is exposed to, and how can a major illness be averted if symptoms are observed and studied well in advance. Because being healthy is not just about the overall physical fitness but also the mental sanctity.

    How to select the best health insurance plan to suit your needs?

    One of the pivotal factors to keep in mind before opting for a health insurance plan is to check for the costs. Who wouldn’t want to get insured in the most efficient way? It is important to know which plan yields the maximum premium or covers the majority of benefits.

    The factor of co-payment

    At times, it is not possible to keep paying the instalments. This feature would enable someone else to pay up for the individual.

    Tie-ups

    One crucial feature that differentiates the best health insurance plans are the number of associations the policy firm has. Carefully check for the hospital /ambulance/chemist/consultants tied up with the insurance firm.

    Maturity

    Health insurance is a great way for getting tax benefit. It is important to check which to invest in according to the maturity period if the premium is not cashed in between.

    Claim

    Some of the best health insurance plans have premiums which offer instant cashless treatments or immediate reimbursement hassle-free.

    Terms and Conditions

    Always ensure to read through the clauses, the limits & sub-limits the policy has to offer. Getting it verified through their official website or speaking through an executive should be considered.

    How to save tax with health Insurance

    There are several income tax benefits when you buy a health insurance policy. You can save tax by claiming deduction under section 80D of the Income Tax Act on the amount of health insurance premium paid towards your policy subject to certain limitations. Here are some ways you can qualify to save tax and the limits under this ruling.

    • You can save income tax by claiming a tax deduction up to INR 25,000 if you are below 60 years of age and up to INR 30,000 if you are above 60 years of age.
    • You can claim deduction up to INR 5000 per year spent towards annual preventive health check-ups.
    • Additionally, you can also avail an additional deduction up to INR 30,000 if you have paid a premium for a health insurance policy for either of your parents.
    • Health insurance premium paid only by way of banking channels is considered for a deduction, and a cash payment of premium is not allowed.
    • Premium payments are considered for a financial year, and if you have a family floater health insurance policy, the premium paid towards health insurance for you, your spouse, dependent children are allowed.
    • You should consult your tax consultant or auditor for determining the actual eligibility and deduction amount under section 80D of the Income Tax Act.

    KNOWLEDGE CENTER

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    know more

    Health Insurance Plans

    CARE

    Comprehensive Health Insurance

    CARE FREEDOM

    Health Insurance without Medical Check-ups suitable for diabetes and hypertension

    CARE SENIOR

    Specially curated health insurance for individuals above 61 years of age.

    CARE HEART

    Health Insurance that Covers Pre-existing heart ailments

    ENHANCE

    Super Top-up Insurance

    JOY

    Maternity & new born cover

    Faq's

    Are there family discounts given on health insurance policies?
    Are tax benefits or deductions available on health insurance plans?
    What should I do if I have lost my original health insurance policy?
    What is the Difference between Health Insurance and Mediclaim?
    What are the documents required for health insurance claim reimbursement?
    Is my spouse covered in my health insurance plan?
    How do I increase sum insured of my health insurance policy?
    Which health insurance plans are available without pre-medical check-up?
    How do I buy medical insurance for a diabetic patient?
    What is meant by co-pay in health insurance?
    What is NCB in health insurance?
    What is cashless health insurance policy?
    What is the average cost of healthcare per person in India in 2019?
    What is the waiting period for health insurance?
    How do I port my health insurance policy from one insurance company to another?
    What is the deductible for health insurance?
    What is claim settlement ratio in Health Insurance?
    Is Ayurvedic treatment covered in health insurance?
    What is Third Party Administration in Health Insurance?
    How do I cancel my health insurance policy?
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