• Religare Health Insurance - Compare plans, reviews & renew online

    Health Insurance
    • Enjoy options to cover yourself, your spouse, kids and even your parents
    • Enjoy access to 10,000+ hospitals for cashless treatment
    • Reduce your taxable income by up to Rs. 50,000 deduction under section 80D**

    Religare Health Insurance is one of the standalone health insurance service providers operating in the market. It is the insurance wing of financial services company Religare Enterprises Limited. While health insurance is the main focus of this company, it also has other insurance products like personal accident cover and travel insurance. With a great expertise in various financial services, Religare holds an edge in the health insurance market that is driven mainly by service and scale.

     

    Features & Benefits of Religare Health Insurance

    The insurance products of Religare are designed in such a way that they appeal to people with these diverse requirements. Here is a list of features and benefits associated with Religare Health Insurance products.

    • Flexible sum insured options: The sum insured options available under Religare health insurance plans are quite flexible.
    • Automatic recharge of sum insured: When the sum insured amount gets fully exhausted after a claim, it will be recharged to the original sum insured amount without any additional cost.
    • No upper limit on age: All plans offered by Religare Health Insurance come with no upper limit on age for policyholders. People can take up this cover no matter how old they are. Even if the age of the senior most member in the family is over 80 or 90, this cover can be taken.
    • Claim processing & service quality: One of the best attributes of Religare Health Insurance is the quality offered in its claim processing and settlements. The company has a claim settlement ratio of 92%, which is one of the best in the industry. For 10,000 claims, the company’s grievance ratio stands at just 37.
    • Tax benefit: The premium amount paid for Religare Health Insurance is qualified for tax benefit as per section 80D of the Income Tax Act. Based on the amount of premium paid, policyholders can get tax relief for up to Rs.55,000 per year.

    Plans provided by Religare Health Insurance

    Within the health insurance domain, Religare offers a range of plans to match the requirements of different people. The plans offered by Religare can be listed as follows.

    Plan Name Plan Basis (individual, family, etc.) Sum insured (Min and Max) Policy Term
    Religare Care Individual and Family Min: Rs.2 lakh Max: Rs.6 crore 1, 2, and 3
    Religare Care Freedom Individual and Family Min: Rs.3 lakh Max: Rs.10 lakh 1, 2, and 3
    Religare Enhance Individual and Family Min: Rs.1 lakh Max: Rs.30 lakh 1
    Religare Joy Individual and Family Min: Rs.3 lakh Max: Rs.5 lakh 1, 2, and 3
    Religare Group Care Group Flexible based on number of members 1

    *Premiums may vary depending upon factors like age, location, term of the plan and prevailing taxes/GST.

    Religare Care

    Religare Care is one of the basic health insurance covers offered by the company. This policy comes in both individual and family floater variants. With the family floater cover, you can ensure health protection for your entire family under the same cover. Based on the sum insured amount opted, this insurance policy can be classified into different plans such as Super Saver, Elite, Elite Plus, Global, and Global Plus.

    Unique Features of Religare Care

    • Great deal of flexibility when it comes to sum insured amount, which ranges from Rs.2 lakh to Rs.6 crore
    • Multiple rider covers to enhance the overall protection offered
    • No upper age limit for subscribing to this policy
    • Unlimited automatic recharge with the help of a rider policy
    • Reassurance of second opinion for complicated ailments

    Plan Details

    Entry age 91 days; no upper age limit
    Policy term 1 to 3 years
    Sum insured range Rs.2 lakh to Rs.6 crore
    Premium discounts 7.5% for 2-year policy term; 10% for 3-year policy term
    Policy renewal Lifetime renewability option
    Copayment No copayment required for policies up to Rs.4 lakh provided the claimant is less than 61 years of age If the claimant’s entry age is over 61 years, 20% mandatory copayment is required.
    Waiting period 30 days general waiting period; 4 years for pre-existing illnesses
    No claim bonus 10% for every claim free year
    Pre-hospitalisation expenses Up to 30 days prior to the date of hospitalisation
    Post-hospitalisation expenses Up to 60 days after discharge from the hospital
    Add-on covers Air ambulance covers, NCB super, personal accident cover, unlimited automatic recharge cover, etc.

    Religare Care Freedom

    Religare Care Freedom is a health insurance cover designed specifically for senior citizens. This cover can be taken as an individual cover or a family floater cover. This policy covers a range of health issues that people commonly encounter in their old age.

    Unique Features of Care Freedom

    • Lifelong renewal option once entered into this plan
    • Up to 6 members of the same family can be covered under the family floater policy
    • Automatic recharge of sum insured at no extra cost

    Plan Details

    Entry age 46 years
    Policy term 1 to 3 years
    Sum insured options Rs.3 lakh, Rs.5 lakh, Rs.7 lakh, and Rs.10 lakh
    Premium discounts 7.5% for 2-year policy term; 10% for 3-year policy term
    Copayment 20% or 30% of the claim amount depending upon the age of the insured (30% for policyholders who are above 70 years)
    Waiting period 30 days initial waiting period; 2 years for pre-existing diseases
    Daycare treatments Up to the sum insured limit
    Domiciliary hospitalisation 10% of the sum insured amount provided the treatment exceeds 3 days
    Pre-hospitalisation expenses Up to 30 days prior to the date of hospitalisation; 7.5% or 10% of the payable hospitalisation expenses based on the sum insured amount chosen
    Post-hospitalisation expenses Up to 30 days after discharge from the hospital; 7.5% or 10% of the hospitalisation expenses based on the sum insured amount chosen
    Companion benefit (for hospitalisation exceeding 10 days) Rs.10,000 or Rs.15,000 based on the sum insured amount chosen

    Religare Enhance Top-up Insurance

    Religare Enhance is a top-up insurance policy that provides additional coverage beyond the scope of an existing mediclaim policy. In certain cases, individual policies may not be adequate for a big emergency. In that case, having a top-up policy like Enhance will certainly be helpful. The terms here are flexible and users can choose the deductible based on the coverage offered by their existing health insurance policies. This policy can be used for a range of benefits such as in patient care, day care treatments, organ donor treatment, pre/post hospitalisation expenses, etc.

    Unique Features of Enhance Top-up

    • Flexible deductible options ranging from Rs.1 lakh
    • Group discount available up to 20% depending upon the group size
    • Comprehensive health checkup for members
    • Easy claim process and settlement

    Plan Details

    Entry age 1 day upwards; no maximum entry age
    Sum insured Rs.1 lakh to Rs.30 lakh
    Deductible Rs.1 lakh to Rs.10 lakh based on the existing policy
    Copayment 20% copayment mandatory for people who enroll after 61 years of age
    Waiting period 30 days initial waiting period; 4 years for pre-existing conditions
    Group discount 5% to 20% depending upon the group size
    Underwriting loadings 15%, 30%, or 50% based on the medical condition of the insured (as assessed by the underwriter)
    Pre-hospitalisation expenses Up to 30 days prior to the date of hospitalisation
    Post-hospitalisation expenses Up to 60 days after discharge following hospitalisation
    ICU charges, doctor’s fees No limit

    Religare Joy Maternity & Newborn Cover

    Religare Joy is a maternity and newborn cover offered by Religare. This cover is available as an individual policy or a floater cover as per the requirements of the insured. In addition to maternity benefits, this cover also offers a range of other features to ensure adequate coverage for the insured.

    Unique Features of Joy Maternity & Newborn Cover

    • Hospitalisation and day care benefits for other diseases along with maternity cover
    • Family floater option to enroll up to 6 family members
    • Flexible policy terms and entry age

    Plan Details

    Entry age 18 years to 45 years
    Policy term 3 years
    Sum insured options Rs.3 lakh or Rs.5 lakh
    Maternity waiting period 9 months (Joy Today Plan); 24 months (Joy Tomorrow Plan)
    Newborn baby cover From day 1 up to 90 days
    Sum insured for newborn baby cover 10% of the total sum insured
    Ambulance cover Up to Rs.1,000 per claim
    General waiting period 30 days for any illness; 4 years for pre-existing conditions
    Pre-hospitalisation expenses Up to 30 days prior to the date of hospitalisation
    Post-hospitalisation expenses Up to 60 days after discharge following hospitalisation
    Newborn birth defects Lump sum of Rs.50,000 under Joy Tomorrow plan

    Religare Group Care

    This is a group cover offered by Religare. This cover offers a range of flexible options based on the requirements of the insured. This is most often taken by employers to provide health insurance coverage for their employees. Only a group of certain numbers can be enrolled in this policy. All members who are getting enrolled in this policy must be named in the policy document. In addition to offering coverage for the insured group, this policy also covers the family of the insured.

    Unique Features of Group Care

    • Flexibility to select sum insured options based on requirement
    • Coverage for chemotherapy and radiotherapy treatments
    • Coverage for day care treatments

    Plan Details

    Hospitalisation expenses covered Room rent, doctor fees, surgery, ICU charges, and more
    Daycare treatments Coverage for all treatments that require spending less than 24 hour in hospitals
    Other expenses Expenses related to chemotherapy and radiotherapy treatments
    Pre-hospitalisation expenses Up to 30 days prior to the date of hospitalisation
    Post-hospitalisation expenses Up to 60 days after discharge from hospital

    Add-on Policies Available Under Religare Health Insurance

    Add-on covers (rider covers) are required by those who require extra protection in addition to what is offered by the base cover. These riders are common under various health insurance plans, and they are designed to provide specific benefits. Religare Health Insurance has quite a range of add-on covers that can be availed by paying a little extra money in addition to the regular premium charges. Some of the add-on benefits that can be obtained under this policy can be listed as follows.

    • No claim bonus super: Under a regular cover, no claim bonus (NCB) is offered for up to 10% sum insured for every claim-free year. With this add-on, NCB can be boosted up to 50% for a single year subject to a maximum of 100%. Along with the regular NCB, the total NCB can be increased to 150% when this add-on cover is taken.
    • Everyday care: This add-on benefit covers the medical expenses related to routine doctor visits and medical examinations. With this cover, these routine doctor visits are covered for up to 1% of the sum insured amount. This benefit can be obtained through a cashless card that is provided following the sign up.
    • Unlimited automatic recharge: When the sum insured amount gets exhausted after a claim, this add-on cover will help recharge the sum insured amount for an unlimited number of times. With this rider cover, there will not be a situation where the insured runs out of coverage during a certain policy period.
    • Air ambulance cover: In certain cases where quality medical treatment (or certain specific procedures) is far away from the insured’s location, this cover can be helpful in taking the insured to that location. With air ambulance rider cover, any location will not be out of reach for the insured to avail proper medical treatment.
    • Personal accident cover: While health insurance covers provide protection against the medical expenses incurred following an accident, they do not provide compensation against the accidental death or disability of a person. This is why a personal accident cover is one of the best add-ons to have along with a regular health insurance plans. With this cover, it is possible to get compensation for up to 10 times the sum insured amount chosen.
    • International second opinion: For certain life-threatening diseases, people might need some sort of reassurance before proceeding with the treatment choice. This add-on cover offered by Religare Health Insurance ensures that the insured person gets an international second opinion before proceeding with the treatment.
    • Global coverage: Medical emergencies arise anywhere irrespective of the location of the person. With this add-on cover, it is possible to get medical treatment even in overseas facilities. The list of international hospitals covered in the network can be obtained from the insurer at the time of signing up.

    Checklist before Buying Religare Health Insurance

    • Compare the plans offered by the insurer and choose the appropriate sum insured you need
    • Finalize the coverage amount
    • Finalize the add-on options
    • Check the waiting period and exclusions
    • Read the policy document
    • Keep all documents ready

    Documents Required to Buy Religare Health Insurance

    • Identity proof
    • Address proof
    • Aadhar number
    • Medical certificates (if applicable)

    Reasons to Choose Religare Health Insurance

    • No upper limit on age
    • Automatic recharge of sum insured
    • Annual health checkup

    Religare Health Insurance Renewal

    Renewal of a health insurance policy from Religare can be done online through the company’s website. The company’s website provide all the details regarding the ways to renew a policy. Simply enter the policy number and proceed with the renewal.

    Renewal can also be done offline by visiting the company’s branch location.

    Customer Service

    Religare operates a customer service department to handle the queries of its customers. This customer service can be accessed easily by visiting the company’s website. Both email enquiries and phone enquiries can be made to customer service. When you contact the customer care, keep your policy number and other details in hand in order to make the process easy. Any doubts related to policy renewal or claim process can be clarified by contacting the customer service department.

    Claim Procedure for Religare Health Insurance

    Under Religare Health Insurance, claim can be made in the form of cashless treatment or reimbursement. In case of emergency hospitalization, the insurer must be notified within 24 hours of hospitalisation. For planned hospitalisation, the insurer must be notified at least 48 hours prior to the date of hospitalisation.

    Cashless treatment is offered in the company’s network hospitals. The company’s customer service department can be contacted to know the network hospital in your region. For cashless treatments, pre-authorization is required from the company’s claim management team. You can get authorization by completing the authorization form and submitting it to the company. Once you have completed this process, you can submit this approval to the hospital in order to initiate the treatment.

    Getting reimbursement for a specific medical treatment is quite simple. Once the company is notified about the hospitalisation, you can proceed with the claim process after discharge from the hospital. Make sure that you have original copies of all the documents required for the claim. All documents such as claim forms can be downloaded from the company’s website. Once the claim is made, the company will process the application and communicate the approval or rejection of the claim.

    News About Religare Health Insurance - Compare plans, reviews & renew online

    • Customer awareness campaign launched by Religare Health Insurance

      A customer awareness campaign, known as ‘Moment of Truth’, has been launched by Religare Health Insurance (RHI). The main aim of the campaign is to provide awareness to the public and RHI customers about the various steps to take in order to utilise their policy in a better way.

      The company’s MD and CEO, Anuj Gulati, said that many Health Insurers face situations where customers do not understand the product, their expectations, and the terms and conditions of the product that is being provided to them. He further added that the main objective is to inform people about the significance of having health insurance and to build confidence and trust. Scarecrow M&C Saatchi’s Founder, Raghu Bhat, said that the most important thing for an insurance company is to gain the trust of the consumer. He further added that providing relevant information to consumers that would help them in buying a good healthcare policy is a great way of earning trust.

      Apart from its customers, the company plans on targeting the general public as well. The campaign highlights the main strength of the company, which is to provide a Fast and Paperless Claim Settlement Process by submitting the relevant documents online.

      2 July 2019

    *The customer reviews/feedback/opinions expressed on this website are solely of their authors and do not reflect, in any way, the view of BankBazaar Insurance.

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    Religare Health Insurance Reviews

    • Religare Health Insurance
      "GOOD"
      0.5 3.0/5 "Satisfactory"
      I have been using the health insurance policy with the RELIGARE HEALTH since form last 3 years and i have no claim experience but the policy coverage for family and they provide 16L as the coverage. The listed hospital is very good with this policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 21, 2019
    • Religare
      Religare Health Insurance
      "BETTER"
      0.5 4.0/5 "Great!"
      I am holding the health insurance policy with the RELIGARE HEALTH since from last 2 years but i have not experienced with nay claim with this health insurance policy. The medical coverage is for 7.5L for the complete family . Premium i have paid is 12k.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 16, 2019
    • Religare Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      The reason for taking the health insurance policy with the RELIGARE HEALTH is because of good benefits they are providing. The premium i higher than others but the medical coverage they have given is 5L. I had no claim experience with this policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 04, 2019
    • Religare Health Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have purchased the health insurance policy with the RELIGARE HEALTH and i am using it since from last few years but i had no claim experience with this policy added on that it is a good policy. It gives the medical coverage is for my complete family.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 03, 2019
    • Religare Health Insurance
      "Good but need to improve the customer service"
      0.5 4.0/5 "Great!"
      I have a health insurance with Religare and it was offered by the company. It is a Corporate policy and the benefits are good. They are giving good coverage and tied up with major hospitals and the network is very huge. The customer service does not have local language option, which they need to provide so I didn't get a proper response. The medical coverage is 5L for per person.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 07, 2018
    • Religare Health Insurance
      "Good"
      0.5 3.5/5 "Pretty good"
      I have a health insurance with Religare Health, the services are good. It was taken 2 or 3 years back. They covers all type of disease. The medical coverage is 5L. I don't have any claim experience. It is an individual policy. They have full localized hospitals which is good.
      Was this review helpful? 0
      , virar
      Reviewed on Dec 05, 2018
    • Religare Health Insurance
      "Features are good"
      0.5 5.0/5 "Blown Away!"
      Religare health insurance also had a good deal. The customer support and response is fine and there are no issues. I have also taken a coverage for critical illness. The medical coverage amount is of ten lakhs. The premium is also normal too.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Nov 29, 2018
    • Religare Health Insurance
      "Good job and keep it up"
      0.5 5.0/5 "Blown Away!"
      I paid the premium of Rs.13,328 for 5 lakhs of medical cover with add on benefits. If I exhaust the medical cover of Rs. 5 lakhs , against they will add another Rs. 5 lakhs as a coverage value, its really beneficial for the customer. I done the policy activation through online its good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 29, 2018
    • Religare Health Insurance
      "Worry free claim settlement"
      0.5 5.0/5 "Blown Away!"
      Religare has a one more additional benefits which is a health check up every year. They are offering a lower cost. They are always proactive to renew the policy on time. They used to help us to check medical check up nearby my locality and i used to get a report on time. Totally on time service provider. This is a combined policy and they are so attentive on the claim and my claim got settled within 24 hours then and there.
      Was this review helpful? 0
      , thane
      Reviewed on Oct 15, 2018
    • Religare Health Insurance
      "Best Policy"
      0.5 5.0/5 "Blown Away!"
      Couple of months before like last 9 months i have purchased this policy with Religare. I made the premium amount of Rs. 12000 and i have just took this policy for 3 members family like myself, wife and my kid. They have done the coverage amount of Rs. 5 lakhs. I have submitted the Aadhar card, photo and id proof.
      Was this review helpful? 0
      , faridabad
      Reviewed on Oct 15, 2018
    • Religare Health Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      They have tie up around 3000 of hospitals for cash less treatment and pre existing disease cover. For my daughter I took medical policy from Religare, for the premium of Rs. 6700 per annum. I hope after certain age they might provide some benefits for women medical cover.
      Was this review helpful? 0
      , aligarh
      Reviewed on Oct 05, 2018
    • Religare Health Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      My children have medical plan from Religare health, I found it a best plan I think the premium is much better than other company. Comparatively for my age the premium is lesser, 30 to 40% of amount, For my son are providing Rs. 5 lakhs of medical cover.
      Was this review helpful? 1
      ,
      Reviewed on Oct 05, 2018
    • Religare Health Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      My health was insured with Religare and 2 years before, i have purchased this policy. I made a payment of Rs. 2500 and i have chosen the monthly payment mode. I will get a coverage amount upto Rs. 20 lakhks. I took this policy only for myself. Through advertisements i have come to know about the company. The claim ration was good hence i have chosen this policy. This policy covered all pre-existing disease also.
      Was this review helpful? 0
      , hisar
      Reviewed on Oct 05, 2018
    • Religare Health Insurance
      "Comfortable policy"
      0.5 5.0/5 "Blown Away!"
      I took individual health insurance policy from Religare for my mother. They offered me the medical coverage value of Rs. 5 lakhs for the premium amount around Rs. 28k. They sent my policy copy without any delay, I am fine with the medical coverage.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 01, 2018
    • Religare Health Insurance
      "Comfortable policy"
      0.5 5.0/5 "Blown Away!"
      I used to pay health insurance premium amount around Rs. 16,000 per annum for four persons in my family. Religare health gave me the medical coverage value of Rs. 4lakhs its good, they are providing good benefits and they done medical check up on time for the activation.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 01, 2018
    • Religare Health Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have purchased the topup plan with RELIGARE HEALTH there is no particular reason behind purchasing the policy. Premium i paid 3500k approximately for this policy added on that they have provided the 5lakhs of medical coverage which covers my complete family.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 28, 2018
    • Religare Health Insurance
      "AVERAGE"
      0.5 2.0/5 "Expected more"
      There is no particular reason for purchasing the health insurance policy with RELIGARE HEALTH but i am not satisfied with this policy they are not providing much coverage. Premium i paid 9500k approximately and they have provided the medical coverage of 5 lakhs for me and my spouse.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 25, 2018
    • Religare Health Insurance
      "ONE OF THE BEST POLICY"
      0.5 4.0/5 "Great!"
      I am holding the health insurance policy with RELIGARE HEALTH from last year where i have paid the premium as 15k it gives the coverage for my family of 5lakhs where i have purchased it through offline. I had not experienced with any claim with this policy.
      Was this review helpful? 0
      , nagpur
      Reviewed on Sep 21, 2018
    • Religare Health Insurance
      "Worst policy"
      0.5 2.0/5 "Expected more"
      I have not use the Religare health insurance policy. Since the employer provided the policy, I'm not sure about the premium amount. I can able utilized the policy upto Rs. 2.5 lakhs. I've not gone through about the hospital list. The hospitals which is nearby my home they are providing the cashless facility. This policy is only offered for me.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 21, 2018
    • Religare Health Insurance
      "They should improve the hospital list"
      0.5 3.0/5 "Satisfactory"
      My company has provided the health insurance policy with Religare. I have not spoke with the customer care and i had a claim experience which is cashless one. I can able to re-imburse the 80% of the medical bill. They have offered me a policy of my family and me. I can utilize the policy upto rs. 5 lakhs.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 18, 2018
    Common Loader Icon