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Religare Health Insurance

Having a strong presence in over a 1700 locations in India the Religare Health Insurance Company Limited offers a range of health insurance products that are marketed even by the leading super-specialty chain of hospitals, Fortis Health Care Limited. Religare is a leading health insurance vendor and is noted for the distribution and servicing of a range of health insurance products. The Religare Enterprise Ltd, Corporation Bank, and Union Bank of India are the stakeholders of this company and the other related assets include Religare Health Global Asset Management and Capital Market internationally.

Why Health Insurance Plans?

Health issues lead to unexpected expenses for treatment as well as for managing them. The haphazard lifestyle followed by most of the youngsters and the middle-aged alike, make them susceptible to ailments and diseases that require medical attention and, thereby, treatments and medications that are quite un-proportionate to the income. This has made having an Insurance policy for each and every member of the family a must. It will insulate them to handle the sudden, unexpected crisis and also let them have the funds to go ahead with the treatment.

Key Benefits and Features of Religare Health Insurance Policy

Religare Health Insurance with its mixed bag of policies is easily the best option at hand. The insurance policies of Religare are designed with care to provide customized solutions depending on the requirements. The additional benefits include

  • Healthcare legacy- With Fortis Healthcare Limited and SRL Diagnostics that are noted to provide quality healthcare as a driving force, there is no questioning the healthcare experience and quality and thereby, of the quality of treatment, you will get.
  • Wide Hospital Network- Treatment at a leading hospital across India and even at your home is possible.
  • Direct communication- No third party involvement in getting your insurance policy. You can walk in with your insurance requirements and walk out with a perfect policy on hand.
  • Products- Religare is easily one of the health insurance companies that have policies that facilitate treatment globally. It is again one of the companies that provide for regular health check-ups, as well.
List of Religare Health Insurance Plans

The Insurance products that Religare Health Insurance Company Limited provides in a hassle-free manner backed up by the strong network of hospitals that offer cashless treatment include

  • Care - Health Insurance Plan.
  • Joy - Maternity Focus Health Insurance Plan.
  • Enhance - Top-up Insurance for already Insured.
  • Assure - Critical Illness Benefit Plan.
  • Secure - Personal Accident Insurance.

You could use the Premium calculator to determine the appropriate premium for the plan to obtain the desired cover.

The features of the plan:
Religare Care Health Insurance Plan

The Care health insurance offers complete coverage to you and your family members. Quick settlement of claims and hassle-free treatment are the key features of this plan. Other features include

  • Cashless treatment facility in over 4758 hospitals.
  • Auto-renewal of policy.
  • Online payment of premium.
  • Best healthcare treatment even globally.
Additional Benefits
  • Tax benefits under section 80D and a discount of 10% for a 3 -year policy and 7.5% for a 2-year policy.
  • Up to 100% no claim bonus.
  • There is no cap for vital expenses such as doctor consultation fee.
  • 15 day trial period and instant cancellation if dissatisfied.
  • Option to choose 3-4 lakh Plan when age is above 60 years. No co-payment plan up to 60 years.
  • Pre-hospitalization expenses for about 30 days and post- hospitalization expenses for about 60 days are covered.
  • The entry age starts from 90 days
  • There is no bar on maximum age of entry
  • The policy is renewable throughout the lifetime
  • Premium on renewal in line with IRDA regulations
  • Waiting period of up to 30 days only in case of illness and not injury
  • The renewal relaxation policy is for a period of 30 days after the expiry of the policy
  • Sum insured could be subject to change in policy renewal.
Religare Joy Health Insurance Plan: A Maternity Insurance Focused Plan

The Joy plan focuses on hospitalization and maternity needs expenses. It includes some of the benefits mentioned in the care plan and the highlight of the policy is

  • New-born baby coverage if necessary.
  • 100% increase in sum assured as no claim bonanza.
  • A waiting period for maternity claims is 24 months.
Additional Benefits

There are many additional benefits the most attractive one is the free coverage for the new-born baby for a period of 90 days and cover for a private air-conditioned room for child delivery in the hospital.


There are many factors the most important are

  • The entry age is 18 years for an adult and 1 year for a child.
  • Maternity coverage is up to 45 years of age.
  • The maximum date for entry is 65 years for an adult, 24 years for a child and 90days for new-born.
Religare Enhance Health Insurance: A Top-up Insurance for already Insured

The top-up plan helps you mete out extra medical expenses in the form of day care procedures and other such prolonged medical expenses.

Additional Benefits

The benefits are the same as that of the care plan.

  • The minimum entry age is 1 day.
  • No bar on maximum entry age.
  • Group discount of 20% if the group size is 5.
  • If entry is at 61 years you need to pay only 20% of the claim.
Religare Assure Health Insurance Plan: A Critical Illness Benefit Plan

This policy offers cover for 20 critical illnesses, including a personal accident. Following are the key features:

  • Covers even accidental death.
  • Covers permanent disability.
  • Covers 20 critical illness listed.
  • Allows for a free annual health check-up for the family, as well.
  • Fast claim settlement.
  • 0 days survival.
Additional Benefits

In case of accidental death or permanent disability double the sum insured is given to the family. The other benefits are, as for other plans.

  • The minimum entry age is 18 years while the maximum entry age is 65 years.
  • The Insurance cover could be for an individual or could be a family floater.
  • Can avail cover up to 120crore.
Religare Secure Health Insurance Plan: A Personal Accident Insurance

This plan addresses the conditions that follow a personal accident. Salient features include

  • Accidental death cover.
  • Cover for reconstructive surgery.
  • Cover for partial and permanent disability.
  • Cover for education of the child.
Additional Benefits
  • Sum insured is paid to the nominee in case of death or the insured goes missing for a year.
  • Coverage for any surgery in case of fracture as advised by the doctor.
  • Coverage for other expenses such as wheelchair, hospital bed etc as well as those arising out of losing a leg, arm, eye etc.
  • Ambulance expenses reimbursed.
  • The Minimum entry age: 91 days and the maximum entry age: 24 years for child and 70 years for adult.
  • Policy renewability: Lifelong.
  • Does not cover any self-inflicted injury or Suicide.
  • Coverage subjected to underwriting or approval.
Exclusions in Religare Secure Plan

Take a note of the exclusions under this policy

How to Claim Religare Health Insurance?

The intimation from your side within 24 hours in case of hospitalization or before 48 hours in the case of a planned hospitalization is expected.


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