General Insurance

Health Care

Sum Insured

Rs. 2, 3, 4 lakhs

 
 

Benefits

ICU Charges

The plan covers ICU expenses of up to 2% of sum insured per day.

 

Eligibility Criteria

Minimum Entry Age 91 days
Maximum Entry Age No age bar
 
 

Religare Super Saver Plan - Product Features

In-patient hospitalisation

This covers hospitalisation expenses due to an illness or accident.
The plan covers expenses for in-patient hospitalisation up to Sum Insured
Pre-hospitalisation

It covers the medical expenses due to an illness before the insured is hospitalised
The plan covers pre-hospitalisation expenses of up to 30 days.
Post-hospitalisation

It covers the medical expenses due to an illness after the insured is discharged from hospitalisation.
The plan covers post-hospitalisation expenses of up to 60 days.
Day Care Treatments

These are treatments that don’t require a 24-hr hospitalisation and conducted in a hospital or day-care center.
This plan allows 541 day care procedures
Room Rent

Room rent specifies the sub-limit on room rent charges you can avail in case of hospitalisation.
Room rent charges are covered in the plan up to 1% of sum insured per day.
Health check-up

A free medical check-up is provided by the insurance companies to its policyholders.
All members covered under the plan are entitled to a free health check-up every year.
 

Other Features

Daily Allowance

Insurance companies provide a fixed amount of cash to the policyholder to meet the additional expenses.
The plan covers a daily allowance of Rs. 500/day up to 5 days.
Ambulance Cover

In case of an emergency, the ambulance charges are covered by the insurance company.
Ambulance expenses up to Rs. 1,500/hospitalisation are borne by the insurance company.
Domicilliary Hospitalisation

If a patient is in a condition that he cannot be moved to the hospital or there is lack of accommodation in the hospital, he is been treated at home and this process is known as domicilliary hospitalisation.
The plan covers domicilliary hospitalisation up to 10% of sum insured.
Recharge of Sum Insured

Under this feature, the policyholder’s entire sum insured is automatically restored back to him upon exhaustion of the limit of the coverage during the policy period.
If the policyholder’s basic sum insured inclusive of the no-claim bonus is exhausted, he will be automatically provided with the basic sum insured.
No-claim Bonus

At the end of every claim-free year, the policyholder is entitled to an additional bonus on his sum insured.
Every claim-free year is subject to an increase in the Sum Insured amount by 10% (of the basic sum insured); up to a maximum of 50% increase of the sum insured.
Organ Donor Cover

The medical expenses for an organ donor's treatment in the event of organ transplantation.
This policy covers the expenses for organ donor’s treatment up to Rs. 50,000.
Second Opinion

Under this feature, the cost of second opinion is covered by the insurance company.
This plan covers the cost of second opinion
 

Other Plans in same category

  • Religare Care Elite
  • Religare Care Elite Plus
  • Religare Care Global
  • Religare Care Global Plus
 

Riders/ Optional/Add-on Covers

 

Global Coverage

Through this benefit, you can avail hospitalisation expenses incurred outside India, anywhere in the world excluding USA, maximum up to sum insured.

 

Travel Plus

When you visit a foreign land and due to unforeseen circumstances, you fall sick and it becomes a situation of medical emergency or you realise that you misplaced your passport or you suddenly realise that your baggage is lost after checking into the common carrier or may it be repatriation of mortal remains or medical evacuation, your health insurance cover will come to your rescue to serve as a protection shield on that foreign land in such contingencies.

 

OPD Care

This optional cover provides reimbursement facility up to a maximum specified limit for out-patient consultations, diagnostic examinations and pharmacy.

 

Air Ambulance Cover

Through this cover, the insurance company pays you up to the amount specified for availing air ambulance services in India, offered by a hospital or by an ambulance service provider, for your necessary transportation from the place of occurrence of medical emergency to the nearest hospital.

 

Daily Allowance+

A trip to a hospital involves more than merely using doctor’s services and hospital facilities. You are bound to run up numerous non-medical expenses such as transportation, attendant’s cost and other daily expenses that you may not be able to even foresee. The company would pay a fixed lump sum amount for each completed day of hospitalisation, payable for a maximum of 30 days.

 

Exclusions

  • 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.
 
 

FAQs

 

What is the difference between a family floater and critical illness or hospital cash insurance?

The individual or family floater health insurance works on the principle of indemnity. This means that these insurance policies will pay you only what you have spent for medical treatment in hospital. On the other hand, the critical illness or the hospital cash insurance pays you the amount insured, irrespective of the amount spent for medical treatment. These are a benefit based policies.

 

How would I benefit by buying health insurance at a young age?

  • Health insurance premium tends to increase with age - more the age, higher the premium.

  • You can be covered for medical conditions that may be diagnosed over the years provided there is no break in the policy.

  • In addition, each 'no claim’ year would fetch you a discount on your premium or an increase in your sum insured amount at no extra cost. The treatment in case of ‘no-claim’ bonus varies from company to company.

  • Lastly, income tax benefit under Section 80 D of the Income Tax Act.

 

What is a No Claim Bonus?

This concept works on the same lines as the no-claim bonus on your car insurance. A Policyholder, who hasn’t made any claim in a year, can use the bonus to their benefit the following year.

Similarly, CARE offers a 10% increase in the policy sum insured for every claim-free year, with no change in premium. So, a policy with a sum insured of Rs 5 lakh, will get an extended cover of Rs 50,000 the following year at the same premium. A claim-free third year will see him earning another ten per cent extra cover on his base sum insured, taking the total to Rs 6 lakh. A maximum bonus of up to 50 per cent is permissible.

In case of claim, the accumulated bonus is reduced by 10%.

 

What is Co-payment?

Health Insurance companies use Co-Payment after insured member turns a certain age. Co-pay is that part of your claim amount, which you have to bear. Co-pay can be in % terms or an absolute amount. For example, in case of co-pay of 20% and claim of Rs. 10,000, we will pay you Rs. 8,000 (80% of 10K) and you will bear 20% (Rs. 2,000). In Religare Health Insurance policy given on the website, there is no co-payment in policy Sum Insured Rs. 2/3/4 Lacs for age less than 61 years, but there is a deductible of Rs 10,000 on claim amount during the policy tenure of 1 year. For all Sum Insured, there will be no co-payment, if you are insured with us before age of 61.

 

How does the Auto recharge work?

We will automatically recharge the sum insured, in case the sum insured and any no claim bonus accumulated is exhausted during the policy year. The sum insured will be recharged once in a policy year. Recharge Sum Insured can be used for future claims and not against an illness/disease (including its complications) for which a claim has already been made in the current policy year.

 

Religare Care Elite

Sum Insured Rs. 5, 7, 10 lakhs
In-patient hospitalisation Up to Sum Insured
Pre-hospitalisation 30 days
Post-hospitalisation 60 days
Day Care Treatments Yes
Room Rent Single Private Room
ICU Charges No Sub-limit
Ambulance Cover Rs. 2,000/hospitalisation
Daily Allowance -
Domicilliary hospitalisation Up to 10% of SI
Health check-up Yes, all members
Recharge of SI Yes
No-claim Bonus Yes
Organ Donor Cover Rs. 1,00,000
Second Opinion Yes
Alternative Treatments Up to Rs. 20,000
 

Religare Care Elite Plus

Sum Insured Rs. 15, 20, 25, 30, 40 lakhs
In-patient hospitalisation Up to Sum Insured
Pre-hospitalisation 30 days
Post-hospitalisation 60 days
Day Care Treatments Yes
Room Rent Single Private Room
ICU Charges No Sub-limit
Ambulance Cover Rs. 2,500/hospitalisation
Daily Allowance -
Domicilliary hospitalisation Up to 10% of SI
Health check-up Yes, all members
Recharge of SI Yes
No-claim Bonus Yes
Organ Donor Cover Rs. 2,00,000
Second Opinion Yes
Alternative Treatments Up to Rs. 30,000
 

Religare Care Global

Sum Insured Rs. 50, 60, 75 lakhs
In-patient hospitalisation Up to Sum Insured
Pre-hospitalisation Up to SI, 30 days
Post-hospitalisation Up to SI, 60 days
Day Care Treatments Up to SI
Room Rent Single Private Room
ICU Charges No limit
Ambulance Cover Rs. 3,000/hospitalisation
Domicilliary hospitalisation Up to 10% of SI
Health check-up Yes, all members
Recharge of SI Yes, up to SI (once in a policy year)
No-claim Bonus Yes
Organ Donor Cover Rs. 3,00,000
Second Opinion Yes
Alternative Treatments Up to Rs. 40,000
Care Anywhere Yes
Maternity Cover Up to Rs. 1,00,000
 

Religare Care Global Plus

Sum Insured Rs. 1, 2, 3, 6 crore
In-patient hospitalisation Up to Sum Insured
Pre-hospitalisation Up to SI, 30 days
Post-hospitalisation Up to SI, 60 days
Day Care Treatments Up to SI
Room Rent Single Private Room
ICU Charges No limit
Ambulance Cover Rs. 3,000/hospitalisation
Domicilliary hospitalisation Up to 10% of SI
Health check-up Yes, all members
Recharge of SI Yes, up to SI (once in a policy year)
No-claim Bonus Yes
Organ Donor Cover Rs. 5,00,000
Second Opinion Yes
Alternative Treatments Up to Rs. 50,000
Care Anywhere Yes
Maternity Cover Up to Rs. 2,00,000
Vaccination Cover Yes, up to Rs. 10,000
Global Coverage: (excluding USA) Up to SI for Hospitalization Expenses & up to the limit specified under `Maternity Cover` towards Maternity expenses; With a 10% co-payment per Claim
Global Coverage - Total Up to SI for Hospitalization Expenses & up to the limit specified under `Maternity Cover` towards Maternity expenses; With a 10% co-payment per Claim