Compare Religare Health Insurance Plans

Compare Religare Health Insurance Plans

Religare Insurance Company Limited

Religare Health Insurance Company Limited is an endeavor, on behalf of Religare Enterprises Limited, to support people in need of health insurances at reasonable price. Religare Enterprises Limited is one of the eminent diversified financial service providers in India.
Religare Health Insurance Company Limited is endorsed by Fortis Healthcare, leading hospital facility with centers present in Dubai Mauritius and India, SRL Diagnostics, India’s largest diagnostics centre and Fortis Healthworld string of pharmacies. The company is a health insurance provider and offers other financial services and preventive health solutions. It is a dependable and esteemed enterprise to be associated with. It has a presence in over 1700 locations across India.

Religare Health Insurance Plans Product

The only thing certain about the future is its uncertainty. With the advance of medicine and science, new lifestyles have come into play. Not only have people learned to indulge themselves more, they also seem unapologetic about it. According to a study, people die because of heart attack every 33 seconds in India, only!
Since, the population suffering from ailments has increased exponentially, treatments have become extensive. The alarming rates of medical remedy aren’t new, but earlier there were fewer people in need of it. So, health insurance plans came into perspective, helping the common folk avoid the struggle of affording proper medical care.

Essential Features Of Religare Health Insurance Plans

You’re probably wondering what Religare health insurance policies hold over other health insurance companies. Obviously, it’s comparatively less tempting than government aided companies. Moreover, it isn’t a mainstream company, so it’s not surprising that you’re having second thoughts about trusting this apparently unfamiliar company.
Here are a few pointers to help you confront your doubts about Religare Health Insurance Company’s reliability and advantageousness:

  1. Endorsement legacy: As mentioned earlier, reputed healthcare facilities are engaged in promoting this company, thereby, securing its brand-name.
  2. Widespread network: You can choose from a long list of hospitals to get your treatment done from.
  3. Lack of communication gap: No third party hassle; company executives tend to your problems. Also, the customer care at Religare health insurance is extremely supportive.
  4. Reasonable price: Products offered at Religare health Insurance Company are economical and apt as per the client’s requirements.

What Are The Health Insurance Plans Offered

You can choose from the following health insurance policies as per your preference:

  1. Religare Care Health Insurance Plan
  2. Religare Joy Health Insurance Plan – Focuses on maternity insurance.
  3. Health Insurance Plan by Religare Enhance– To refuel the already insured.
  4. Assure Health Insurance Plan by Religare– For the critically ill.
  5. Secure Health Insurance Plan by Religare– Personal accident cases.

Religare Care Health Insurance Plan

This health insurance policy offers coverage to an entire family. The main features of this plan are:

  • 4758 hospitals present under this plan’s list have cashless facility.
  • Auto-renewal of health insurance plan is offered.
  • Medical care available globally.
  • Paperwork is not required; online payment is accepted.
  • Free annual medical checkup is accessible to the family.

Additional Pros

Just when you thought there couldn’t be more advantages, Religare Health Insurance Company surprises you with some more. Here are a few of them:

  • It offers pre-hospitalization expenditure up to 30 days and post-hospitalization expenditure up to 60 days.
  • Up to full no claim bonus (NCB).
  • Trial of policy for 15 days and upon dissatisfaction, instant cancellation.
  • Vital expenses are covered, that is, doctor’s fee.
  • Claim-based loading absent for renewal.
  • Above 60 years of age 3 to 4 lakh plan can be chosen.
  • 10% discount for 3 year plan and 7.5% discount for 2 year plan. Tax exemption under section 80D offered.

Eligibility Criteria & Other Important Facts

  • Maximum entry age: None.
  • Minimum entry age: 90 days.
  • Renewal Of Policy: Lifetime.
  • Premium upon renewal: Depends on IRDA approval.
  • Renewal Relaxation Interval: 30 days after policy expires.
  • Waiting Time: For illnesses but not injuries, 30 days.

Religare Joy Health Insurance Plan

Religare Joy Health Insurance plan covers medical aspect maternity as well as health, during pregnancy. The main attributes of this health insurance plan are:

  1. 4758 hospitals present under this plan’s list have cashless facility.
  2. Healthcare and medication, both are covered.
  3. Waiting period gets extended to 24 months in case of maternity claims.
  4. Health insurance coverage for the newborn child is also offered.
  5. 100% increase in the sum assured brought about by NCB.

Additional Pros

  1. It is a 3-year policy which enables you to focus on the maternity period without having to fuss about claiming process, renewal and more.
  2. According to the Income Tax Act, tax benefits against the premiums paid for the health insurance policy is present.
  3. Trial of policy for 15 days and upon dissatisfaction, instant cancellation.
  4. The policy offers a private, air-conditioned room when admitted to the hospital.
  5. Free health insurance coverage for the infant up to 90 days after which at standard premium payment.
  6. 4758 hospitals present under this plan’s list offer daycare treatment for free.
  7. It offers pre-hospitalization expenditure up to 30 days and post-hospitalization expenditure up to 60 days.

Eligibility & Other Important Facts

  • Maximum entry age: 90 days (for infants), 24 years (for children) and 65 years (for adults).
  • Minimum entry age: 1 day (for infants and children) and 18 years (for adults).
  • Policy Term: 3 years.
  • Premium upon renewal: Depends on IRDA approval.
  • Coverage Of Maternity: Up to the age of 45 years.
  • Waiting Time: For illnesses but not injuries, 30 days; for maternity, 2 years; for medication or treatment, 24 months; for any existing condition, 2 years.

Religare Enhance Health Insurance Plan

With the increase of cost of medical treatments, it is vital for one to keep a health insurance plan that would serve the purpose aptly. Religare Enhance Health Insurance Plan is an additional health insurance plan for an existing client so that they do not face any financial crisis. The main aspects of this policy include:

  1. Religare health insurance hospital list include 4758 hospitals having cashless facility.
  2. Auto-renewal of health insurance plan is offered.
  3. Medical care available globally.
  4. Paperwork is not required; online payment is accepted.
  5. Free annual medical checkup is accessible to the family.

Additional Pros

  1. It offers pre-hospitalization expenditure up to 30 days and post-hospitalization expenditure up to 60 days.
  2. Vital expenses are covered, that is, doctor’s fee.
  3. Trial of policy for 15 days and upon dissatisfaction, instant cancellation.
  4. Up to full no claim bonus (NCB).
  5. 10% discount for 3 year plan and 7.5% discount for 2 year plan. Tax exemption under section 80D offered.
  6. Claim-based loading absent for renewal.

Eligibility & Other Important Facts

  • Maximum entry age: None.
  • Minimum entry age: 1 day.
  • Premium upon renewal: Depends on IRDA approval.
  • Renewal Relaxation Interval: 30 days after policy expires.
  • Waiting Time: For illnesses but not injuries, 30 days.

Religare Health Insurance Plan - Assure

Religare Health Insurance Plan - Assure offers coverage against critical diseases. The main features of this policy include:

  • Coverage of up to 20 critical medical conditions.
  • Coverage in case of accidental death.
  • Permanent disability gets covered.
  • Claim settlement is quick.
  • Free annual medical checkup is accessible to the family.

Additional Pros

  1. In case of accidental death or permanent disability, the entire sum assured is given to the family.
  2. According to the Income Tax Act, tax benefits against the premiums paid for the health insurance policy is present.
  3. Vital expenses are covered, that is, doctor’s fee.

Eligibility & Other Important Facts

  • Maximum entry age: 65 years of age.
  • Minimum entry age: 18 years of age.
  • Insurance coverage: Family or individual.
  • Renewability Of Policy: Lifetime.

Secure Insurance Health Plan from Religare

Religare Secure Health Insurance plan is concerned with personal accident cases. The key aspects of this health insurance policy are:

  1. Coverage for accidental demise or permanent disability.
  2. Child education covered.
  3. Reconstructive surgery is covered.

Additional Pros

  1. In case of accidental death or absence of the insured for a year, the entire sum assured is given to the nominee.
  2. Vital expenses are covered, that is, doctor’s fee for surgery.
  3. Coverage is offered for medical equipments.

Eligibility & Other Important Facts

  • Maximum entry age: 70 years of age (for adults) and 24 years of age (for children).
  • Minimum entry age: 91 days.
  • Issuance of policy: Subject to approval.
  • Renewability Of Policy: Lifetime.

As depicted above, health insurance policies have become a necessities in this age. Religare health insurance policies have a smooth claiming process and offer a huge range of insurance plans which benefit the insured and their family greatly. There is hardly any scope to doubt the trustworthiness of this enterprise. It is a highly recommended brand which values their customers greatly.

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