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Health Insurance Plans

Why Health Insurance?

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 your health insurance 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.


Online Health Insurance Plans

Explore our online health plans and enjoy a smooth paperless purchase process, all within a few minutes!

  • 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

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.

Why should you Buy Health Insurance?

Most of us lead a fast-paced lifestyle and, in the process, we often neglect our health. Unhealthy eating habits, sedentary lifestyle, stress and some environmental factors result in the onset of several lifestyle diseases. The staggering cost of medical treatment in India is a reality we all must accept sooner than later. The wisest of people know that life is full of uncertainties. A medical emergency, an injury or an illness can happen in the most unpredictable way. Hence, the best way to win against such uncertainties is to be prepared with a health insurance. As the world is going digital and when you can shop for things at the comfort of your home, you can even buy health insurance online without any hassle. Buying an insurance policy online minimises paperwork and manual efforts to an extent. The online mode is highly convenient since you get the choice of comparing policies and opting for the most affordable health plan for you and your family. You can buy a policy, pay for the premium and initiate a claim, all the click of a mouse and save your precious time. What’s more, you may not even require a health check-up before buying a health insurance policy. Without insurance, paying for the medical expenses can impact savings and create financial burden on your family. Buying a policy online is a decision you will definitely be proud of.

Benefits of Health Insurance

  • Offers financial cushion during any medical exigency and protection from the impact of high medical expenses & out-of-pocket expenditures.
  • Availability of a variety of plans like personal accident cover, health cover for senior citizens, maternity cover, etc. based on the health needs of you and your family.
  • Coverage for all expenses incurred during hospitalisation as well as pre and post hospitalisation stage, for instance, OPD expenses, lab tests, doctor’s fee, etc.
  • Option to pick critical illness cover and get the expenses covered for the treatment of life-threatening conditions.
  • Additional benefits in terms of lifelong renewability as well as coverage for alternative treatments, ambulance cover, day-care procedures, health check-ups, etc.
  • Financial benefits upon policy renewal for having a claim-free year.
  • Provision for getting the best possible treatment in a range of network hospitals spanning across locations.
  • Tax benefits under Section 80D of the Income Tax Act with deduction up to Rs 25,000, if you are below 60 years of age. Additional tax deduction of Rs 50,000 on the health insurance premium paid for senior citizen parents.

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
  • 93%
Industry best claim 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.

Types of Health Insurance Plans we offer

We offer a host of Health insurance plans and services for your specific needs.

  • Care- Comprehensive Health Insurance Plan for Individuals and Family
  • Care Freedom- Health Insurance Plan without pre-medical checkup
  • Joy- Health Insurance Plan with Maternity Coverage
  • Enhance- Super Top Up Health Insurance Plan
  • Group Care- Group Health Insurance Plan

CARE - Comprehensive Health Insurance Plan for Individuals and Family

Care is a comprehensive and wholesome health insurance plan for families and individuals. We understand that the expenses don’t just start after hospitalization, which is why CARE health insurance 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.

Benefits Covered Under Care Health Insurance Plan

  • In-Patient Care
  • Pre & Post Hospitalization
  • Individual & Floater Cover
  • Domiciliary Hospitalization
  • Daily Allowance
  • Ambulance Cover
  • Organ Donor 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. Click here to know more on CARE health insurance plan

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 on Religare’s Maternity health insurance plan)

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 health insurance plan has two categories:

  • JOY Tomorrow
  • JOY Today
Both the health insurance plan provides cover for maternity as well as for newborn 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 waiting 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.

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 health insurance 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 ( Read More on Top-up Health insurance policy )

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.

    FAQs on Health Insurance

    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.

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    Related Health 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

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