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Health Earning Plan

  • Insure your Health and become a group owner
  • Invite friends or colleagues who’d like to insure their health
  • Together resolve to stay healthy
  • Get a fixed % of your premium back if there are no claims

Network Hospitals


Insurance Claim
Settlement Ratio




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Any past or ongoing medical conditions of any insured member
Any Condition, ailment or injury for which the insured person had signs or symptoms and/or were diagnosed, and/or received medical advice/treatment within 48 months prior to the first policy issued by the insurer.



All Members

- +
- +


rupee ----

(Premium includes 18% GST)

Base Cover


Additional Covers




Policy Sum Insure increases by 10% for every claim free year. The maximum increase allowed is 50% of policy Sum Insure.


Up to rs.2000 per hospitaliztion payable if advised by treating medical practioner.


We like to stay with you all the way. Our option of life long renewability helps yau stay covered for life, provided your policy is renewed on time every year.


We reimburse the room rent expenses incurred during hospitalization as per the sum Insure chosen by you


You can add additional 50 % increase in Sum Insure for every claim free year. Maximum increase allowed is 100% of policy Sum Insure. Hence with both NCB& NCB SUPER you can increase your Policy Sum Insure upto 150% in 5 consecutive claim free years.


Sum insured amount will be re-instated in your policy every time your sum insured exhausts. And this can be availed unlimited number of times.


We pay a fixed amount which varies with the plan for various “Non-Medical’ expenses such as food, transportation, etc. that one might incur during hospitalization

Copyright. Religare Health Insurance.

Premium benefits across 5 plans

Cover Highlights

Health Check-Up

Annual health

Robotic surgery

Robotic surgery


Emergency Ambulance


(more or less than 24 hrs)



Benefits of Health Earning Planarrow close
  4 Lacs 5, 7, 10 Lacs 15, 20, 25, 30, 40 Lacs 50, 60, 70, 75 Lacs 1, 2, 3, 6 Crore
In-Patient Hospitalization
Hospitalization for at least 24 hours
We pay for – room charges, nursing expenses and intensive care unit charges, surgeon's fee, doctor's fee, anesthesia, blood, oxygen, operation theater charges, etc.; If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours.
Hospitalization less than 24 Hours
We cover medical expenses if you undergo a day care treatment which might not require you to stay hospitalized for 24 hours or more. As a matter of fact we cover over 540+ day care procedures.
Up to Sum Insured Up to Sum Insured Up to Sum Insured Up to Sum Insured Up to Sum Insured
We cover the relevant medical expenses such as investigative tests, routine medication, etc. incurred by you up to 30 days before your hospitalization.
30 Days 30 Days 30 Days Up to SI,30 Days Up to SI,30 Days
We cover the relevant medical expenses such as doctor consultation, Diagnostic tests, medications etc. incurred up to 60 days post your hospitalization.
60 Days 60 Days 60 Days Up to SI,60 Days Up to SI,60 Days
Day Care
We cover medical expenses if you undergo a day care treatment which might not require you to stay hospitalized for 24 hours or more. As a matter of fact we cover over 540+ day care procedures.
Yes Yes Yes Yes Upto SI
Room Rent
We reimburse expenses occurred while you're staying in a hospital. You can also upgrade your single private room should there be a need to and is recommended by a treating doctor.
1% of SI per day Single Private Room Single Private Room
(upgradable to next level)
Single Private Room
(upgradable to next level)
Single Private Room
(upgradable to next level)
ICU Charges
We take care of ICU charges incurred during your hospitalization.
2% of SI per day No Sub-Limit No Limit No Limit ---
Ambulance Cover
In an emergency, we reimburse expenses incurred by you for availing a domestic road ambulance during your hospitalization.
Domiciliary Hospitalization
In case hospitalization is not possible , then we cover for medical expenses incurred during your treatment at home for a period exceeding 3 consecutive days.
Upto 10% of SI Upto 10% of SI Upto 10% of SI Upto 10% of SI Upto 10% of SI
Health Check-up
We give an Annual Health Check-Up for all insured members covered in the policy.
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Automatic Recharge of Sum Insured
If you ever run out of your health cover due to claims made, we will reinstate the entire Sum Insured amount of your policy.
Yes Yes Yes Yes Yes, Up to SI (Once in a Policy Year)
No Claim Bonus
We raise a cheer to good health for every year that you don't claim by increasing your Sum Insured by 10%, up to a maximum of 50% in 5 consecutive years.
tick-mark tick-mark tick-mark tick-mark tick-mark
Organ Donor Cover
We reimburse you the medical expenses that are incurred by an organ donor while undergoing the organ transplant surgery.
Rs.50,000 Rs.100,000 Rs.200,000 Rs.300,000 Rs.500,000
Second Opinion
If you feel uncertain about your diagnosis, you can opt for a second opinion, arranged by us.
tick-mark tick-mark tick-mark tick-mark tick-mark

Care complete plan details

Add-ons to cover your specific needs

We pay for your necessary ambulance expenses

See Details

An Add-On cover that offers coverage for various “Non-Medical expenses” such as food, transportation etc.

See Details

Get covered up to 2% of your Sum Insured for doctor consultation & diagnostic tests.

See Details

Avail hospitalization expenses outside India

See Details

Covers expenses for consultation from International Medical experts

See Details

You can increase your sum insured amount by 50% for every claim free year up to a maximum of 100%.

See Details

An Add-On cover that takes care of expenses incurred on Doctor Consultations, Pharmacy & Investigative Tests.

See Details

Option to recharge the Sum Insured unlimited times

See Details

Earning Health Plan Details

  • Minimum entry age of 91 days.

  • No upper age limit for enrollment.

  • Life long Renewability of policy under the then prevailing Health Insurance Product or its nearest substitute approved by IRDA.

  • Co-payment During purchase of the first policy, if eldest member insured is

    • Below 61 years, no co-payment is applicable.

    • 61 years or above, 20% of the claim amount under the policy has to be borne by you.

  • Premium to be paid on renewal and the subsequent continuation of cover are subject to change with prior approval from IRDA.

  • 30-day Waiting Period for claim for all illnesses, except injury.

  • Grace period of 30 days to renew your policy once it expires.

Download Terms & Conditions
  • 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

  • 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.


Cashless Insurance


Intimate within 24 hours of your hospitalization

Planned Hospitalization

Intimate us 48 hours prior to your hospitalization


Reimbursement Insurance Claim Form Submission


Request for pre-authorization


Claim from submission

Complete the pre-authorization form available
at the hospitals insurance/TPA Desk and send us through fax.



Approval letter sent by the claim management team



Hospital/Insured to response to the query raised by the claim management team



You may initiate the treatment and file for re-imbursement claim

Submission of claim form along with required
documents, as per the policy terms & conditions



Approval letter sent by the claim management team



Insured to response to the query raised by the claim management team



We will communicate the reason in case of rejection

7800+ hospitals providing cashless medical services across the globe

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Voice of our customer

Sulbha Ravindra

review The customer support is really good and fast. It made the experience of buying a family health insurance plan really hassle-free

Ganesh Kumar

review Good customer service by Nadeem ! Prompt answers to all the queries related to family health insurance product

Gopinathan Pillai

review It was an awesome experience. I have purchased my family health insurance policy using the app in 10 minutes. The app is so smooth. Keep it up.

Avinash Tiwari

review Hassle Free insurance buying process. Highly Recommend Religare

Priyanka Singh

review Excellent health insurance plan! Covers annual health check-up for all family members
Ankita Sharma

My appreciation for your prompt service

At the outset I would like to express my appreciation for your prompt service in taking up the case regarding my claim. I have received your intimation regarding the acceptance of my claim and had a minor query as to what is the claim amount settled by you. Thank you. View more

Ankita Sharma

Health Insurance

Indubala Nambiar

We will continue to avail of your scheme.

Thank you for settling the claim amount. Kindly inform me when the amount is remitted to the credit of my bank account with the Bank of Baroda. We will continue to avail of your scheme when we travel abroad. View more

Indubala Nambiar

Health Insurance

Vikas Singh

Everything went very smooth

I would like to pass on my appreciation for Virender who guided me during the difficult time. He helped me at every stage and didn’t keep me waiting. Due to his efforts, I was relaxed and everything went very smooth while my wife was recovering from typhoid. Thanks Virender you are a star! View more

Vikas Singh

Health Insurance

Sahil Khattar

Really helpful explaining the process in advance

I just wanted to thank you for the exceptional response from you on the recent cashless reimbursement request related to my mother’s operation. You were really helpful explaining the process in advance before the treatment and also during the final settlement. View more

Sahil Khattar

Health Insurance

Aditya Sharma

Finalising my claim in a short period

I must express my profound appreciation for finalising my claim in a short period. I have heard of insurance companies with holding payment or rejecting it outright on very flimsy grounds as they are averse to parting with their money. It was not the case with Religare health insurance. Thank you, may your tribe grow. View more

Aditya Sharma

Health Insurance

Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Religare Health Insurance (RHI) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. RHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.


Awarded as Claims
Leader of the year


7 Lakh+ Total claims paid


Cashless claim approval
in approx. 2 hours

Health Earning - Group Plan

Health Earning Plan is a specialized health insurance offering that allows individuals to form a group for ensuring their health and earn rewards together.

Key Benefits of Religare Health Earning Plan

  • Allows individuals to ensure their health and become a Group Owner
  • Enables them to invite friends, family or colleagues who wish to ensure their health and join the group
  • Helps them resolve together to stay healthy
  • In order to be eligible for Return of Premium following conditions are to be met by the Group
    • There should be minimum 10 LIVES or members in the Group on the date of evaluation.
    • Date of evaluation of benefit = 12 Months from the Date of Formation of Group.
    • Date of Formation of Group = 30 Days from the Date of purchase of the first policy in the Group.
    • There should not be a claim (Intimated/filled/rejected etc.) for any of the insured member in 12 Months evaluation period.
    • The refund of premium will be done as per below table.

      No of Lives in Group

      %age of Refund













What is a Health Earning Plan?

Health Earning Plan is an exclusive plan available for the policyholders of CARE policy that allows them to form a Group and enjoy rewards. It is a unique health plan that encourages individuals to lead a healthy life and avoid the need to make claims on their health policies. Under this plan, the Group Owner - the member who initiates the group - can invite their friends, relatives and colleagues to join the group. The group should have a minimum of 10 members and maximum of 40 members, including self. The members will be entitled to have the same or different sum insured. They can also have different optional covers like individual, multi-individual or floater plans.

Why is Health Earning Plan Needed?

Getting a health cover is highly important nowadays, irrespective of our age and the lifestyle we lead. Being insured is a good way to protect our savings as well as health. Furthermore, plans like Health Earning Plan is an added advantage available to the policyholders of health insurance to give boost to their hard-earned savings.

Advantages of Health Earning Plan

1. Health Earning Plan is a special offering by Religare Health Insurance that aims to help individuals stay focused on their health and enhance their savings through rewards.

2. Return of Premium is additional benefit available on the policies issued in the Group.

3. Return of premium will be credited in the accounts of the Policy Owners or Policy proposers of the policies issued in the group.

4. Moreover, opting for such plans is an excellent way for individuals to minimize the chances of making claims on their health policies. Since the plan offers rewards on No Claim the members get the advantage of additional savings.

Documents Required for Health Earning Plan

No Additional documents are required for the Policy Owner except for PAN Card in case the premium for any policy exceeds Rs.49,999/- .

FAQs about Health Earning Plan


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Most Frequently Asked Questions

Popular Questions

Q. Who can be part of the Health Earning Plan?

Religare Health Insurance allows the policyholders of its family health plan CARE to form a Group under Health Earning Plan. They are entitled to invite their friends, relatives and colleagues to enter the Group.

Q. What will happen if the Group does not meet the member requirement criteria?

If the Group does not have a minimum number of 10 members and fails to fulfill such criteria within a period of 30 days, then the Group ID will be disabled. All the policy owners will be informed about the Non-formation of the Group.

Q. What will happen if the Group meets the member requirement criteria?

If the Group manages to have the required number of members within a period of 30 days, then the Group is formed. A Group Policy Document is issued to all members, containing vital information such as names of all members, policy number under which members are insured, Group ID, premium details, criteria for refund, etc.

Q. What will happen if the Group size is reduced during the plan term?

The Group will cease to exist if Group size reduces below 10 members owing to reasons like short term cancellation, termination of coverage by company, death of member, etc.

Q. What are the eligibility criteria for Refund of Premium?

The premium will be refunded based on the number of members in the group, on the 31st Day (from the date of issuance of first policy). Refund will be done if none of the group members report/ file/ reject/ pay claim during the 12 months from the Date of Formation of the Group.

Q. Who will receive the Refund of Premium?

All the policy owners in the Group will be entitled to receive the Refund of Premium, if the Group fulfills the criteria of No Claim. Every member in the plan will be paid a certain percentage of the premium (excluding GST amount) he or she pays for the type of policy and sum insured chosen.

Q. How long will the benefits Health Earning Plan be available?

All the policy owners can enjoy the benefits of Health Earning Plan up to 1-year policy term only.

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