Updated On — 5th May, 2020
Religare Health Insurance Plans: Investment in good health is a long-term investment and provides maximum benefits in times of need. Thus, ideally one should spend on a health insurance plan that provides maximum benefits in times of need.
Religare Health Insurance offers interesting benefits in health insurance policies that closely reflect the needs of customers. Covering 6 family members, pre-existing illness after a specified waiting period, and meeting post-hospitalization expenses, Religare has some of the best health insurance plans in the insurance sector.
Religare Health Insurance Features
- Number of members:
This scheme covers maximum 6 members of your family, including 2 children and 4 adults.
- Lifetime Renewal:
Religare plans are lifetime renewables so it saves you from financial burden and stress due to medical emergency and keeps you well prepared to handle any situation.
- Pre and Post Hospitalization cover:
It covers for 30 days prior medical expenses to hospitalization and 60 days post hospitalization for related medical expenses.
- Health check-up:
provides free health check-up to the insured.
- Pre-existing disease:
Pre-existing diseases are covered after a waiting period of 4 years.
Benefits of Religare Health and Allied Health Insurance
- Promoter Synergy:
Promoted by the founders of Fortis Healthcare and SRL Diagnostics bringing experience in the field of wellness and healthcare.
- Wide network:
4100+ leading networks across the country promise quality treatment in hospitals.
Religare have a nice settlement of claim record, which is quite reassuring for potential customers.
- No-Claim Bonus:
For specific products, the No-Claim Bonus Scheme can increase up to 150%.
- Claim Settlement Ratio:
Religare Health Insurance’s estimated Claim Settlement Ratio for FRY. 2017 – 18 is 51.97%.
Religare Health Insurance Plan List
Religare Care Health Insurance Plan
A comprehensive health insurance plan that covers you and your entire family. You are entitled to automatic renewal and free health check up for your entire family. In addition, the entire policy can be availed online without any extensive paperwork.
Provides expenses prior to hospitalization for 30 days and hospitalization for 60 days.
Offers 100% No Claim Bonus.
from lakh 3 lakhs. Provides cover between 6 crores.
Entry of tax benefit under section 80D.
10% discount on 3 year policy and 7.5% discount on 2 year policy.
The minimum age of entry is 91 days with no cap on the maximum age.
30 days waiting period in case of any illness other than injury.
Lifetime policy renewable option.
Option to increase the Sum Insured but only on renewal
Religare Cashless Network Hospitals
Religare has a strong relationship with 5240+ leading hospitals across India providing cashless facilities to patients. For getting the nearest network hospital, you visit the official website of Religare Health Insurance at Religarehealthinsurance.com/health-plan-network-hospitals.html.
Health insurance plan that add on Religare
The given below are add-on covers that come with Religare Health Insurance:
Bonus Super (No Claim)
Under NCBS, it increase insurance amount up to 50% (maximum) for each claim free year. It comes to an amount of 150% in 5 years.
For your regular visits to the hospital, Religare will provide you with doctor consultation and 1% of the sum assured for each diagnostic test.
Unlimited Automatic Recharge
Cover your Sum Assured under this Add-on if your policy expires every time your Sum Assured.
Air Ambulance Cover
Religare provides air insurance cover if you need to be treated in a city different from your residence.
Personal Accident Cover
You opt for Accident Insurance Death and Permanent Total Disability up to 10 times the Sum Insured.
International Second Opinion
This cover takes into account the case when you need a second consultation before you dive into treatment.
This gives cashless global coverage in any part of the world, at any of Religare’s network listed hospitals abroad.
Religare Health Insurance Services
Religare Health Insurance Policy Renewals
The renewable process is simple, quick and hassle free. All you need is some basic details like policy number and your credit and make the payment online electronically through debit / credit / net banking. You can also do this at Religarehealthinsurance.com/proposalcp/renew/index-care.
Religare Health Insurance Customer Care
For online, there is a self-help portal at Religarehealthinsurance.com/self-help-portal.html where you can update the basic details. Also individual can make contact them at 1860-500-4488, 1800-200-4488 (toll free) or email them at email@example.com.
Claim Procedure in Religare Health Insurance
For making a claim there are two ways under a health insurance policy: on a cashless basis and on a reimbursement basis. In simple words, to make a claim on a cashless basis, treatment should only be done at the network hospital of the insurance company servicing your policy.
To avail treatment, you must first seek authorization according to the prescribed procedures and prescribed form. In case of claims on reimbursement basis, the insurance company should be informed as per their prescribed procedures.
The documents are ensured by a policyholder which are obtained after hospitilization such as claim form, discharge summary, prescription and bill for claim on reimbursement.
Cashless service: seeking pre-authorization
Complete the pre-authorization form which is available at the hospital’s insurance / TPA desk. Send the completed form via email or fax. The approved letter will be sent by the claims management team. Remember that the claims management team can send an inquiry before sending authorization to the hospital or you. If the authorization is denied, initiate treatment and file for a reimbursement claim.
Reimbursement Claim: Claim Submission
Complete the required rules and submit the required documents as per the terms and conditions of the policy.
Required documents include discharge summary, prescriptions, bills, etc.
The approved letter will be sent by the claims management team. Remember that you will be responsible for any questions raised by the claims management team before issuing the letter.
If the claim is rejected, the reasons will be communicated by the team.
In case of any emergency, you must inform Religare within 24 hours of entry. In the case of planned emergencies, the notification has to reach the company 48 hours before hospitalization. Claims can be done through Intimation Religare’s toll free number 1800-200-4488, or fax 1800-200-6677. The same can also be emailed to firstname.lastname@example.org.
Process to renew online health insurance plan
To renew your existing policy see the official website of Religare Health Insurance Plan at Religarehealthinsurance.com/proposalcp/renew/index-care. You can also submit a service request online and a dedicated customer service professional will contact you within 24 hours.
Exclusion in Religare Secure Health Insurance Plan
- Any current illness within 30 days of the commencement of the policy.
- Any type of self-inflicted injury.
- Suicidal tendencies.
- Alcohol / substance related diseases.
- Congenital disease.
- Infertility / HIV / AIDS.
- War / nuclear collapse / strike.
- Riot / rebellion / rebellion / revolution.
Religare Secure Health Insurance Scheme Conclusion
- Health check up.
- Pre / Post / Domicile Hospitalization.
- Recharge of Sum Insured.
- No Claim Bonus.
- Alternative and day care treatment.
- Second opinion
- Room rent
Question & Answer
Q: How to buy and apply Religare Health Insurance Policy?
Ans: You can purchase and apply any Religare Health Insurance policy online from Religare Health Insurance’s official website at Religarehealthinsurance.com.
Q: Why need to buy a Religare Health Insurance policy?
Ans: Health Insurance offers a comprehensive health insurance plan with personal accident cover and critical illness cover. Such an ideal combination is a suitable option to meet the health needs of all the members of your family.
Q: How does a family floater scheme work under Religare Health Insurance?
Ans: A family floater plan is a plan that provides coverage under a floater basis, meaning that a single premium amount is paid to provide cover for the entire family. You do not need to buy premium separately.
Question & Answer
Q: What is the no claim bonus under NCB, Religare Health Care Policy?
Ans: It is simple, when you do not claim within one year of the policy, you are entitled to a benefit in the next year as a discount on your subsequent premium.
Q: What are the claims and reimbursement processing system under Religare Health Insurance?
Ans: To make a claim, you must complete the required form and submit the required documents as per the terms and conditions of the policy at Network Hospital. Required documents include discharge summary, prescriptions, bills, etc. After the post submission, the accepted letter will be sent by the claims management team. Remember that you will be responsible for any questions raised by the claims management team before issuing the letter. If the claim is rejected, the reasons will be communicated by the team.
In case of any emergency, you must inform Religare within 24 hours of entry.
In case of a planned emergency, the notification has to reach the company 48 hours before hospitalization.
Claims intimacy can be made through Religare’s toll free number 1800-200-4488, or fax 1800-200-6677.
It can also be emailed to email@example.com
Question & Answer
Q: How i can cancel my Religare Health Insurance Policy?
Ans: Apart from the 15-day free-look period, you can apply to cancel the policy at any time of the policy term and the premium will be refunded accordingly.
Q: What is the meaning of cashless hospitalization? Does Religare provide this?
Ans: In cashless hospitalization you do not have to pay a penny for any test / consultation / surgery / treatment in a hospital. Yes, Religare Health Insurance enrolls cashless hospital in its over 5420+ list of networked hospitals in India and abroad.