Religare is a major standalone health insurance company operating in India. The company offers a range of plans based on the varied requirements of different customers. Religare Care Freedom is a health insurance plan designed specifically for senior citizens in the country. The benefits offered by this plan are customized in such a way that they meet the specific health requirements of senior citizens. This policy comes with flexible terms, and it ensures that senior citizens are adequately protected against the financial threats arising out of health issues.
Religare Care Freedom comes with certain eligibility criteria that must be met by people who wish to subscribe to this policy cover. Some of the eligibility criteria for this health insurance policy can be listed as follows.
Some of the key features of Religare Care Freedom Senior Citizen Health Insurance can be listed as follows.
This policy comes with a range of benefits customized to the specific medical requirements of senior citizens. Some of the benefits and sub-limits available within Religare Care Freedom include the following.
|Hospitalisation benefits||Up to the maximum sum insured limit|
|Day care treatment||Available for up to 170 day care procedures|
|ICU charges||Up to 2% of sum insured per day for sum insured Rs.3 lakh No limit for sum insured Rs.5 lakh and higher|
|Policy tenure||1 to 3 years|
|Pre-hospitalisation expenses||Up to 7.5% of hospitalisation expenses for sum insured Rs.3 lakh Up to 10% of hospitalisation expenses for sum insured Rs.5 lakh and higher|
|Post-hospitalisation expenses||Up to 7.5% of hospitalisation expenses for sum insured Rs.3 lakh Up to 10% of hospitalisation expenses for sum insured Rs.5 lakh and higher|
|Ambulance cover||Up to Rs.1,000 per hospitalisation|
|Companion benefit||Up to Rs.10,000 for sum insured Rs.3 lakh Up to Rs.15,000 for sum insured Rs.5 lakh and higher|
|Consumable allowance||Up to Rs.750 per day for sum insured Rs.3 lakh Up to Rs.1,000 per day for sum insured Rs.5 lakh and higher|
|Domiciliary hospitalisation||Up to 10% of sum insured subject to treatments happening for 3 days or more|
|Sub-limit for dialysis||Up to Rs.1,000 per sitting subject to treatment period of 24 consecutive months|
|Cataract treatment||Up to Rs.20,000 for sum insured Rs.3 lakh Up to Rs.30,000 for sum insured Rs.5 lakh and higher|
|Knee replacement surgery||Up to Rs.1.20 lakh (varies based on sum insured amount)|
|Home care||Up to Rs.1,000 for home care treatment subject to a maximum of 7 days per illness or injury and 45 days per policy period|
|Health check+||Annual checkup can be upgraded to either diabetes health checkup or cardiac health checkup|
There are certain exclusions under Religare Care Freedom policy for which the insurer is not liable to provide any compensation. Some of the key exclusions from this policy are as follows.
The claim procedure for Religare Care Freedom Senior Citizen Health Insurance is pretty standard. In case of planned hospitalisation, the company must be notified 48 hours in advance. For emergency hospitalisation, the company must be notified within 24 hours after hospitalisation. For cashless treatment, pre-authorization must be obtained from the company. Religare’s customer care can be contacted to know about the pre-authorization process and the network hospitals in your area.
For reimbursement claims, the insured must submit the claim form along with a list of documents related to the medical treatment. Once the claim is successfully made, the company will verify its validity and communicate the acceptance or rejection of the claim to the policyholder. In case of rejection, the insurer will communicate the reason for rejection. Following acceptance of the claim, the reimbursement amount will be provided to the insured.
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