Religare Care Plan from Religare Health Insurance
Care Policy with unlimited recharge – Religare Health insurance
The Religare Care Policy allows you to benefit by providing 100% of the total sum that is insured. Even when an unrelated claim causes the amount to be exhausted, this benefit of the policy will restore the amount of sum insured by up to 100%.
All those above 18 years of age will be able to undergo a health check-up. This can be once each year.
There is an additional no-claim bonus which can be equal to up to 60% of the insured sum.
If your sum insured is Rs.50,00,000 or more, you can get treatment for specified illnesses anywhere in the world.
| Do you know how much health insurance is adequate for you? Read the article on How much Health insurance is adequate. |
Type of cover :
1. Indivdual Plan :
Entry Age For children is 5 years
Entry Age For adults is 18 years
No maximum age limit
Number of family Members Covered: Maximum of 6 with a Maximum of 4 Adults and a maximum of 4 Children.
The policy is available for periods of 1, 2 & 3 years
The Pre-Policy Medical Check-up details are as follows:
6-18 years – For sum insured of more than 10 Lakh
19-45 years – For sum insured of more than 7 Lakh
46 years & Above – Compulsory for any sum insured
2. Family Floater Plan
The entry Age for children is 91 days
The minimum entry Age for adults is 18 years
No maximum age limit for entry
Number of family Members Covered: Maximum of 6 with a Maximum of 2 Adults and a maximum of 4 Children.
The policy is available for periods of 1, 2 & 3 years
The Pre-Policy Medical Check-up is same as that of the individual plan.
6-18 years – For sum insured of more than 10 Lakh
19-45 years – For sum insured of more than 7 Lakh
46 years & Above – Compulsory for any sum insured
Inclusions from the Religare Care Plan Health Insurance
Every health insurance policy will only have a set of limited or exclusive health conditions for which the health insurance will pay. Other exclusions will not be covered by the health insurance policy.
Religare Care Plan Health Insurance covers the following
1. Day care Treatment
Several health problems can be treated through a single day procedure, that does not need admission for more than 24 hours. These treatments that can be completed within a day are called as day care treatments. The Religare Care Plan is a very popular insurance plan because it covers almost 170 such procedures.
Other important features and benefits of the Religare Care Plan
1. No claim bonus: You will be able to obtain a rebate or reduction in the premium paid for any subsequent year after a year without any health insurance claims. You will be able to get a No claim bonus of 10% on the sum assured.
Your no claim bonus will add up to 50%, which is the maximum, if you do not have any claims in 5 consecutive years. If on the other hand, you make any claim in a year, the bonus will be reduced by 10% of the sum insured.
2.Organ Donation: If you are in need of any organ that has to be donated to you, the cost of expenses will be covered from a minimum of 50,000 rupees to about 3,00,000 rupees.
3. Pre hospitalization: If you are to be admitted for a treatment in any hospital covered by the company, you will be compensated 30 days ahead of your hospital admission.
4. Post hospitalization: After a treatment and discharge from the hospital, you will be compensated for your expenses 60 days after discharge.
5 Restore benefits: Your sum insured amount will reduce after a claim, but the restore benefit will ensure that the sum insured is restored to its full value. The only catch is that the next claim should be for an unrelated ailment and not the same illness.
Other covers available:
1. Home care: 10% of the sum insured can be used for home care treatments, if your policy terms and conditions are met. You can learn more about home care in the article on home care nurses.
2. Ambulance usage: Based on the sum insured amount, you can use ambulance for emergencies with a cover of Rs. 750 to up to Rs. 3000.
Non coverage of the following should be noted:
1. Eye treatments are not covered.
2. Maternity cover is not available under this plan.
3. Dental treatments like Root canal treatment and other procedures are not covered by this plan.
4. There is no recovery benefit available under this plan.
5. There is no option of a cover for any critical illnesses that are not already covered by this plan.
Exclusions from the Religare Care Plan Health Insurance
Exclusions means it talks of the people who are not covered under this plan. Every health insurance policy will have a set of exclusions and under certain circumstances some people will not be covered by the health insurance policy.
Religare Care Plan Health Insurance does not cover the following
1. Health conditions in people who have signs and symptoms within the first 30 days after the policy was initiated.
2. Those who attempt suicide
3. Miscarriages and Abortions
4. Pregnancy and Child birth
5. AIDS
6. Complications arising out of alcohol or drug abuse.
7. Infertility as well as assisted fertilization.
8. Diseases that are congenital in nature.
9. Injuries and hospitalization that are caused due to war, strike or riots.
Other aspects to note about the Religare Care Plan Health Insurance
1. Diseases / Treatments covered after 24 months: Hysterectomy, Cataract, Fibroids and others
2. Claim on pre existing illnesses: Claim on any pre existing illnesses can be done only after 48 months after the policy start date.
On this site, you can also read about the other top and best health insurance policies in India
Do you have any more doubts about the Religare Care Plan Health Insurance or any other insurance plan? Please share your doubts with us and we will help you out.
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