Compare Religare Care Plan

Religare-Health-Insurance

Religare Care Plan

Religare Care is a health insurance plan which provides the most comprehensive coverage feature along with one of the highest coverage amount in the industry. There are various plan variants each with a different level of Sum Insured and coverage benefits. Moreover, the plan has a unique No Claim Bonus feature which doubles the Sum Insured in a mere two claim-free years.

Key features of the plan

  • Super NCB feature of the plan doubles the Sum Insured in two years if no claim is made under the plan. This feature is available at an additional premium and can be added to the plan.
  • Sum Insured up to Rs.6 crores is allowed by the plan
  • The Sum Insured is automatically restored to the original amount if it is exhausted in any policy year. There is also an additional Unlimited Automatic Recharge Option where the Sum Insured is restored without any maximum limit.
  • Individuals of any age can buy the plan as there is no age restriction.
  • Personal Accident cover can be added to the plan for a more comprehensive coverage option.
  • The plan can be taken for self or for the entire family.

How does the plan work?

Step 1 – the policyholder chooses the Sum Assured, the term of the plan and the members covered.

Step 2- If the covered member (s) face any medical contingency and the related expenses are covered by the plan the expenses incurred are paid by the plan.

Step 3 – if the plan matures and no medical contingencies occur, no benefit is paid.

Example

Chetan buys the plan for a Sum Insured of Rs.5 lakhs. He chooses the Super NCB feature to the plan.

Option 1 – if, in the first policy year, Chetan faces hospitalization or any other medical expenses covered by his plan, the expenses would be paid up to the Sum Insured.

Option 2 – if the plan matures and Chetan doesn’t suffer any medical emergency, he earns a No Claim Bonus of 10%. Moreover, he also earns a bonus of 50% for Super NCB feature. After these tow additions, the Sum Insured becomes Rs.8 lakhs.

Plan benefits

  • Medical benefits – the list of medical expenses covered by the plan and their extent is as follows:
    Coverages Sum Insured Rs.1,1.5 lakhs (Care 1) Sum Insured Rs.2,2.5 lakhs
    (Care 2)
    Sum Insured Rs.3,3.5,4,4.5 lakhs (Care 3) Sum Insured Rs.5-10 lakhs (Care 4) Sum Insured Rs15,20,25,30,40 lakhs (Care 5)
    In-patient hospitalization Covered Covered Covered Covered Covered
    Room rent Up to 1% of Sum Insured Up to 1% of Sum Insured Up to 1% of Sum Insured Single Private Room Single Private Room
    ICU charges Up to 2% of Sum Insured Up to 2% of Sum Insured Up to 2% of Sum Insured No sub-limits No sub-limits
    Day care treatments Covered Covered Covered Covered Covered
    Pre-hospitalization 30 days 30 days 30 days 30 days 30 days
    Post hospitalization 60 days 60 days 60 days 60 days 60 days
    Domiciliary hospitalization Not Covered Up to 10% of Sum Insured Up to 10% of Sum Insured Up to 10% of Sum Insured Up to 10% of Sum Insured
    Organ Donor expenses Not Covered Up to Rs.50,000 Up to Rs.50,000 Up to Rs.1 lakh Up to Rs.2 lakhs
    Daily allowance Rs.250/day up to 5 days Rs.500/day up to 5 days Rs.500/day up to 5 days Not covered Not covered
    AYUSH Coverage Not covered Not covered Up to Rs.15,000 Up to Rs.20,000 Up to Rs.30,000
    Ambulance cover Up to Rs.1000 per hospitalization Up to Rs.1500 per hospitalization Up to Rs.1500 per hospitalization Up to Rs.2000 per hospitalization Up to Rs.2500 per hospitalization
    Health check-ups Not available Annually Annually Annually Annually
    Automatic Recharge Not covered Up to Sum Insured Up to Sum Insured Up to Sum Insured Up to Sum Insured
    Second opinion Not covered Not covered Once per illness per policy year Once per illness per policy year Once per illness per policy year
    Coverages Sum Insured Rs.50,60,75 lakhs (Care 6) Sum Insured Rs.1,1.5,2,3,6 crores
    (Care 7)
    In-patient hospitalization Covered Covered
    Room rent Single Private Room Single Private Room
    ICU charges No sub-limits No sub-limits
    Day care treatments Covered Covered
    Pre-hospitalization 30 days 30 days
    Post hospitalization 60 days 60 days
    Domiciliary hospitalization Up to 10% of Sum Insured Up to 10% of Sum Insured
    Organ Donor expenses Up to Rs.3 lakhs Up to Rs.5 lakhs
    AYUSH Coverage Up to Rs.40,000 Up to Rs.50,000
    Global Coverage Not covered Up to Sum Insured
    Ambulance cover Up to Rs.3000 per hospitalization Up to Rs.5000 per hospitalization
    Health check-ups Annually Annually
    Vaccination cover Not covered Up to Rs.10,000
    Care anywhere Up to Sum Insured Not covered
    Maternity cover Up to Rs.1 lakh Up to Rs.2 lakhs
    Automatic Recharge Up to Sum Insured Up to Sum Insured
    Second opinion Once per illness per policy year Once per illness per policy year
  • No Claim Bonus – if the policyholder does not make a claim in any policy year he earns a cumulative bonus of 10% increase in the Sun Insured subject to a maximum of 50%. There is also a NCB Super feature which increases the Sum Insured by 50% after one claim-free year up to a maximum of 100%.
  • Premium discounts – premium is discounted by 7.5% if a 2-year policy term is chosen and by 10% for a 3-year term. A family discount is also available which is 5% for 2 or 3 members and 10% for 4 or more members
  • Optional covers – the plan allows a host of optional coverage features which can be added to the policy for a more comprehensive health cover. The list of optional covers which are available at an additional premium are as follows:
    • Global Coverage – which allows treatments taken outside India
    • Travel Plus – which provides travel insurance cover for 45 days
    • Unlimited Automatic recharge – it recharges the Sum Insured without any maximum limit
    • No Claim Bonus Super – it doubles the Sum Insured within 2 claim-free years
    • Deductible Option – which allows a premium discount
    • Everyday Care – it provides regular doctor consultations for monitoring of health
    • Smart Select – premium discounts if treatments are taken in listed hospitals
    • OPD Care – coverage for OPD expenses
    • Daily Allowance – a daily benefit for hospitalization
    • Personal Accident – a cover against accidental death and disability
    • Additional Sum Insured for Accidental Hospitalization
    • International Second Opinion – second opinion for critical illnesses from international doctors
    • Reduction of Pre-existing diseases waiting period
    • Extension of Global Coverage
    • Air Ambulance Cover

Eligibility Criteria

  Minimum Maximum
Age at entry (in completed years) Adults – 18 years
Dependent Children - 3 months
No limit
Plan tenure 1 year 3 years
Premium paying options Single pay
Sum Assured Rs.1 lakh Rs.6 crores

What is not covered by the plan?

Illnesses suffered during the first 30 days of the plan commencement are not covered.
Pre-existing illnesses or conditions are not covered by the plan in the first 4 years of the policy
Maternity related benefits have a waiting period of 2 years.
Specific illnesses are not covered in the first two years of the plan.
Illnesses or accidents caused due to genetic disorder or stem cell surgery, substance abuse, participation in adventure sports or hazardous activities, criminal acts, attempted suicide, war and hazardous substances, etc. are not covered.
Treatments like cosmetic treatments, artificial life support, weight loss treatments, non-allopathic treatments or due to HIV/AIDS, etc. are not covered.

Premium Illustration

Below are the sample rates of premium payable by a non-smoking male living in Mumbai aged 35 years for different combinations of plan option and members covered. The Sum Insured is Rs.5 lakhs and the policy is taken for 1 year.

Max-Bupa-Health-Companion

FAQs

Is co-pay applicable under the plan?

Yes, co-pay of 20% is applicable on each claim if the age of the insured is 61 years and above.

How many members can be covered under the plan?

A maximum of 6 members can be covered in any combination. Maximum adults who can be covered are 2 and maximum children are 4.

Are pre-entrance medical check-ups required?

No medical check-ups are required if the insured is aged up to 45 years and the Sum Insured chosen is less than Rs.15 lakhs.

What is the age limit on free health check-ups?

There is no age limit. Health check-ups are available at all ages.

How long is the plan renewable?

The plan is renewable lifelong.

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