Care Plan

Overview

Our Philosophy

Life is about experiencing every good bit of it throughout one's lifetime; be it a walk in the park with your parents or building memories of playing with your little one. At Religare Health Insurance, we understand that these experiences can truly rejoice when one lives a healthy life without having to worry about any unforeseen medical issues.

Our Solutions

In line with our objective of ensuring good health…hamesha! Our Comprehensive Health Insurance Plan – 'Care'; helps safeguard you & your family against financial risks arising out of a medical emergency. With 'Care' by your side, you can be assured that while you're unwell; we'll take up all the hassles related to your treatment so that you can stay worry-free and focus only on your recovery.

Care Coverage:

A Comprehensive

Health Insurance Plan

to meet everyone's ( individual and family) healthcare needs.

In-Patient Care

Pre & Post Hospitalization

Individual & Floater Cover

Domiciliary Hospitalization

Daily Allowance

Ambulance Cover

Organ Donar Cover

Lifelong Renewability

Annual Health-Checkup

No Claim Bonus

Second Opinion

Tax Benefit

From Diagnosis to Recovery - "Care" at every step!

We understand that the meter doesn't start from hospitalization but from the time of diagnosis and goes on even post-discharge. We stand with you throughout the journey and not just for an event.

30 Day Pre-Hospitalization Coverage

The procedures that you undergo before getting hospitalized finally lead you to a hospital, such as investigative tests and routine medication, can be quite financially draining. We cover the medical expenses incurred by you up to 30 days before your hospitalization.

Ambulance Cover

It's our utmost concern that you get the medical attention, you require as soon as possible, especially in an emergency. Which is why we reimburse expenses incurred by you while availing a domestic road ambulance during your hospitalization. Not just this, some plans for our product care also offers coverage for availing an Air Ambulance if suggested by a doctor.

In-Patient Hospitalization

Hospitalization for at least 24 hours

We pay for – room charges, nursing expenses, and intensive care unit charges, surgeon's fee, doctor's fee, anesthesia, blood, oxygen, operation theater charges, etc.; If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours.

Hospitalization less than 24 Hours

We cover medical expenses if you undergo a daycare treatment which might not require you to stay hospitalized for 24 hours or more. As a matter of fact, we cover over 540+ day care procedures.

Room Rent

We reimburse every expense that occurred while you're staying in a single or private room. You can also upgrade your room should there be a need to and is recommended by a treating doctor.

ICU Charges:

In the time of an emergency, we believe your focus should be only on your recovery. Hence we take care of those ICU charges that come in your way of getting quality treatment.

60-Day Post – Hospitalization Coverage

Expenses don't end once you're discharged which is why even we don't rest unless you're completely ready to take all the challenges of life head-on. We reimburse expenses such as doctor consultations, Diagnostic tests, medications etc that you incur up to 60 days post your hospitalization.

Domiciliary Hospitalization

In case of an emergency or a medical condition that does not allow you to get admitted in a hospital, we provide coverage for medical expenses incurred during your treatment at home for a period exceeding 3 consecutive days. So nothing should delay the treatment you deserve.

Annual Health Check-up

We believe in the old adage that an ounce of prevention is better than a pound of cure. This is why we give an Annual Health Check-up for yourself and all members covered by your policy, including children.

Automatic Recharge of Sum Insured

Keep your worries regarding medical expenses outside the door with Automatic Recharge of Sum insured. If you ever run out of your health cover due to claims made, we will reinstate the entire Sum Insured amount of your policy. This additional amount can be used by you for any other ailment or by any other insured member for treatment of any ailment.

No-Claim Bonus

We raise a cheer to good health for every year that you don't claim by increasing your Sum Insured by 10%, up to a maximum of 50% in consecutive 5 years.

Organ Donor Cover

We care about those who help you as much as we care for you. So, beyond ensuring that your medical needs are met, we will reimburse you for medical expenses that are incurred by an organ donor while undergoing the organ transplant surgery.

Reassurance of Second Opinion

Sometimes reassurance works better than the cure itself. Which is why if, at any moment you feel uncertain about your diagnosis, you can opt for a second opinion at no extra cost specially arranged by us.

No Upper Age Limit of Enrollment

All our plans including 'care', come with no upper age limit of enrollment i.e. even if a person is 100 years old, they can definitely apply.

Lifelong Renewability

We don't leave you in between the journey and honor our commitment by giving our customers option of lifelong renewability i.e. once enrolled an individual can continue to stay covered throughout one's life, provided they renew their policy on time every year.

Even alternate treatments are covered

We understand that sometimes non-allopathic treatments may prove to be more effective. Whether it is Ayurveda, Unani, Sidha or Homeopathy, choose the treatment that suits you and we will cover it up to a specified limit and varies according to the plan chosen.

Add On Covers

No Claim Bonus Super

By choosing an optional cover – NCB Super – you can further increase your sum insured amount by 50% for every claim free year up to a maximum of 100%. Hence – in total with both NCB & NCB Super one can increase their sum insured up to 150% in 5 years.Help me understand working of NCB & NCB – Super!

Everyday Care

Your family may avoid hospitalization for many years at a stretch. However, you have to be really fortunate to avoid doctor consultation for even a few months. For all the visits for all routine visits to the hospital - we give you 1% of your Sum Insured for doctor consultation & diagnostic tests each. This can be availed via a cashless health card and additional premium paid to avail this add- on cover is also applicable for tax benefit under section 80D of IT act.

Unlimited Automatic Recharge

There should never be a time when you run out of coverage, which is why by selecting this add – on cover your sum insured amount if re-instated in your policy every time your sum insured exhausts. And this can be availed unlimited number of times.

Air Ambulance Cover

The right cure may be miles away but never out of your reach with Air Ambulance Cover. For all those times when you might be recommended a treatment which is not in your city of stay.

Personal Accident Cover

Forget the hassles of maintaining two separate policies, one for a health insurance cover & second for personal accident cover. By selecting this add- on cover you get coverage for Accidental Death and Permanent Total Disability for up to 10 times of the Sum Insured opted.

International Second Opinion

We believe that sometimes reassurance works better than the cure itself. Hence before going ahead with the treatment recommended, we give you an option to consult doctors and take a second opinion.

Global Coverage

Quality Healthcare cannot have boundaries. So if you ever feel the need get treated at an overseas facility, rest assured, since with this add-on cover you get Global Coverage that too on a cashless basis across listed network hospitals.

Plan Details

ELITE-

Features/ Plan (SI)	Care 4 (5,7,10 Lacs) Elite	Care 5 (15,20,25,30,40 Lacs) Elite Plus
In patient hospitalization	Upto Sum Insured	Upto Sum Insured
Pre-hospitalization	30 days	30 days
Post-hospitalization	60 days	60 days
Day Care Treatments	Yes	Yes
Room Rent	Single Private Room	Single Private Room (upgradable to next level)
ICU charges	No Limit	No Limit
Ambulance Cover	Rs.2,000/ hospitalization	Rs.2,500/ hospitalization
Domicilliary hospitalization	Upto 10% of SI	Upto 10% of SI
Health Check-up	Yes, all members	Yes, all members
Recharge of SI	Yes	Yes
No Claim Bonus	Yes	Yes
Organ Donor Cover	Rs.100,000	Rs.200,000
Second opinion	Yes	Yes
Alternative Treatments	Upto Rs.20,000	Upto Rs.30,000

ELITE PLUS-

Features/ Plan (SI)	Care 5 (15,20,25,30,40 Lacs) Elite Plus	Care 6 (50,60,75 Lacs) Global
In patient hospitalization	Upto Sum Insured	Upto Sum Insured
Pre-hospitalization	30 days	30 days
Post-hospitalization	60 days	60 days
Day Care Treatments	Yes	Yes
Room Rent	Single Private Room (upgradable to next level)	Single Private Room (upgradable to next level)
ICU charges	No Limit	No Limit
Ambulance Cover	Rs.2,500/ hospitalization	Rs.3,000/ hospitalization
Domicilliary hospitalization	Upto 10% of SI	Upto 10% of SI
Health Check-up	Yes, all members	Yes, all members
Recharge of SI	Yes	Yes
No Claim Bonus	Yes	Yes
Organ Donor Cover	Rs.200,000	Rs.300,000
Second opinion	Yes	Yes
Alternative Treatments	Upto Rs.30,000	Upto Rs.40,000
Care Anywhere	-	Yes
Maternity Cover	-	Upto 100,000

GLOBAL-

Features/ Plan (SI)	Care 6 (50,60,75 Lacs) Global	Care 7 (1,2,3,6 Cr) Global Plus
In patient hospitalization	Upto SI	Upto SI
Pre-hospitalization	Upto SI ,30 days	Upto SI , 30 days
Post-hospitalization	Upto SI ,60 days	Upto SI , 60 days
Day Care Treatments	Upto SI	Upto SI
Room Rent	Single Private Room (upgradable to next level)	Single Private Room (upgradable to next level)
ICU charges	No Limit
Ambulance Cover	Rs.3,000/ hospitalization	Rs.3,000/ hospitalization
Domicilliary hospitalization	Upto 10% of SI	Upto 10% of SI
Health Check-up	Yes, all members	Yes, all members
Recharge of SI	Yes, Up to SI (Once in a Policy Year)	Yes, Up to SI (Once in a Policy Year)
No Claim Bonus	Yes	Yes
Organ Donor Cover	Rs.300,000	Rs.500,000
Second opinion	Yes	Yes
Alternative Treatments	Upto Rs.40,000	Upto Rs.50,000
Care Anywhere	Yes	Yes
Maternity Cover	Upto 100,000	Upto 200,000
Vaccination Cover		Yes, Upto Rs. 10,000
Global Coverage: (excluding USA) Coverage outside India & USA - 45 continuous days in a single trip; Max. 90 days on a cumulative basis, in a Policy Year		Up to SI for Hospitalization Expenses & up to the limit specified under `Maternity Cover` towards Maternity expenses; With a 10% co-payment per Claim
Special Add on cover:
Global Coverage – Total Geographical scope of Benefit `Global Coverage (excluding USA)` is extended to USA also		Up to SI for Hospitalization Expenses & up to the limit specified under `Maternity Cover` towards Maternity expenses; With a 10% co-payment per Claim

GLOBAL PLUS-

Features/ Plan (SI)	Care 7 (1,2,3,6 Cr) Global Plus
In patient hospitalization	Upto SI
Pre-hospitalization	Upto SI , 30 days
Post-hospitalization	Upto SI , 60 days
Day Care Treatments	Upto SI
Room Rent	Single Private Room (upgradable to next level)
ICU charges
Ambulance Cover	Rs.3,000/ hospitalization
Domicilliary hospitalization	Upto 10% of SI
Health Check-up	Yes, all members
Recharge of SI	Yes, Up to SI (Once in a Policy Year)
No Claim Bonus	Yes
Organ Donor Cover	Rs.500,000
Second opinion	Yes
Alternative Treatments	Upto Rs.50,000
Care Anywhere	Yes
Maternity Cover	Upto 200,000
Vaccination Cover	Yes, Upto Rs. 10,000
Global Coverage: (excluding USA) Coverage outside India & USA - 45 continuous days in a single trip; Max. 90 days on a cumulative basis, in a Policy Year	Up to SI for Hospitalization Expenses & up to the limit specified under `Maternity Cover` towards Maternity expenses; With a 10% co-payment per Claim
Special Add on cover:
Global Coverage – Total Geographical scope of Benefit `Global Coverage (excluding USA)` is extended to USA also	Up to SI for Hospitalization Expenses & up to the limit specified under `Maternity Cover` towards Maternity expenses; With a 10% co-payment per Claim

What is the difference between a family floater and critical illness or hospital cash

insurance?

The individual or family floater health insurance works on the principle of indemnity. This means

that these insurance policies will pay you only what you have spent for medical treatment in

hospital. On the other hand, the critical illness or the hospital cash insurance pays you the

amount insured, irrespective of the amount spent for medical treatment. These are a benefit based policies.

How would I benefit by buying health insurance at a young age?

Health insurance premium tends to increase with age - more the age, higher the premium. You can be

covered for medical conditions that may be diagnosed over the years provided there is no break in the

policy. In addition, each 'no claim’ year would fetch you a discount on your premium or an increase in

your sum insured amount at no extra cost. The treatment in case of ‘no-claim’ bonus varies from company

to company.

Lastly, income tax benefit under Section 80 D of the Income Tax Act.

Why is it necessary for me to disclose my current health status correctly and accurately

while I buy a health insurance policy?

Insurance is a contract of utmost good faith. It always pays to be honest. Declaring the correct and accurate

health status at the time of buying health insurance ensures smooth processing of your application. This will

also help us service you in a better manner.

What is beneficial for me - floater insurance or an individual insurance?

Buying an individual cover or a floater cover is an individual’s perception. However, as a general rule, at younger

ages floater cover is advisable. As you grow older, you should go for an individual cover.

How does a Floater cover work?

For instance a person wants a health insurance for himself, his spouse & their children, the Family Floater plan

offers insurance coverage to the entire family under one premium payment. Let’s take an example wherein the

person insures himself, his spouse & the dependent children with the individual insurance plans with a sum

insured of Rs. 1 lakh each, he ends up paying premium ranging between Rs. 1000 - Rs. 2000 for each family

member. On the other hand if the person would have opted for the family floater plan with the sum insured of

Rs. 3 lakhs, the total premium would surely be less than the separate premium payments in individual health

insurance plans. Moreover the separate health plan holds the cover of only Rs. 1 lakh as against Rs. 3 lakh in

case of the Floater plan thus helping the family in case the medical treatment costs go beyond that. This Rs. 3

Lac is available for each of the family members individually as well as collectively.

What is a No Claim Bonus?

This concept works on the same lines as the no-claim bonus on your car insurance. A Policyholder, who hasn’t

made any claim in a year, can use the bonus to their benefit the following year.

Similarly, CARE offers a 10% increase in the policy sum insured for every claim-free year, with no change in

premium. So, a policy with a sum insured of Rs 5 lakh, will get an extended cover of Rs 50,000 the following

year at the same premium. A claim-free third year will see him earning another ten per cent extra cover on his

base sum insured, taking the total to Rs 6 lakh. A maximum bonus of up to 50 per cent is permissible.

In case of claim, the accumulated bonus is reduced by 10%.

How does the Auto recharge work?

We will automatically recharge the sum insured, in case the sum insured and any no claim bonus accumulated

is exhausted during the policy year. The sum insured will be recharged once in a policy year. Recharge Sum

Insured can be used for future claims and not against an illness/disease (including its complications) for which

a claim has already been made in the current policy year.

Do I need to undergo a medical check-up while buying a health insurance policy?

You may be required to undergo a medical check-up after you buy, incase any member to be insured is above

45 age or for sum insured Rs. 15 Lakhs or above. In most of the cases, the medical tests are done in your home,

after taking appointment from you. No payment is required upfront for the same. Incase the policy is issued, you

will not be charged anything. However, if the policy is declined/Canceled, medical charges will be deducted from

the refundable premium amount. This will enable us a better understanding of your current and future health

requirements. For further details, please refer to the prospectus or call 1800-102-4488 (Toll free).

How do I cancel my health insurance policy?

We offer a free look period to review your policy terms and conditions. In case you are not satisfied with these,

you can request for cancellation of your policy during this period. You will be charged the pro-rated premium for

the period during which your policy was in-force, the cost of pre-policy health check-up, if any, and the stamp duty.

The balance premium would be refunded. Also, you can request for cancellation of your policy at any time during

the policy period. You will be refunded the premium amount as per the short scale grid. The grid is available in your

Policy Terms and Conditions. However, in case you have reported any claim with us, you will not be entitled to any

refund of premium on cancellation of the policy.

What is Co-payment?

Health Insurance companies use Co-Payment after insured member turns a certain age. Co-pay is that part of your

claim amount, which you have to bear. Co-pay can be in % terms or an absolute amount. For example, in case of

co-pay of 20% and claim of Rs. 10,000, we will pay you Rs. 8,000 (80% of 10K) and you will bear 20% (Rs. 2,000).

In Religare Health Insurance policy there is No Co-payment ever, if insured with us before age of 61.

What are the documents required for portability?

You can apply for CARE under portability with the following documents:

CARE proposal form

Portability form

Copy of expiring health insurance policy

Copy of renewal notice

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Care Plan

Overview

Our Philosophy

Our Solutions

Care Coverage:

Health Insurance Plan

In-Patient Care

Pre & Post Hospitalization

Individual & Floater Cover

Domiciliary Hospitalization

Daily Allowance

Ambulance Cover

Organ Donar Cover

Lifelong Renewability

Annual Health-Checkup

No Claim Bonus

Second Opinion

Tax Benefit

From Diagnosis to Recovery - "Care" at every step!

We understand that the meter doesn't start from hospitalization but from the time of diagnosis and goes on even post-discharge. We stand with you throughout the journey and not just for an event.

30 Day Pre-Hospitalization Coverage

The procedures that you undergo before getting hospitalized finally lead you to a hospital, such as investigative tests and routine medication, can be quite financially draining. We cover the medical expenses incurred by you up to 30 days before your hospitalization.

Ambulance Cover

In-Patient Hospitalization

Hospitalization for at least 24 hours

We pay for – room charges, nursing expenses, and intensive care unit charges, surgeon's fee, doctor's fee, anesthesia, blood, oxygen, operation theater charges, etc.; If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours.

Hospitalization less than 24 Hours

We cover medical expenses if you undergo a daycare treatment which might not require you to stay hospitalized for 24 hours or more. As a matter of fact, we cover over 540+ day care procedures.

Room Rent

We reimburse every expense that occurred while you're staying in a single or private room. You can also upgrade your room should there be a need to and is recommended by a treating doctor.

ICU Charges:

In the time of an emergency, we believe your focus should be only on your recovery. Hence we take care of those ICU charges that come in your way of getting quality treatment.

60-Day Post – Hospitalization Coverage

Expenses don't end once you're discharged which is why even we don't rest unless you're completely ready to take all the challenges of life head-on. We reimburse expenses such as doctor consultations, Diagnostic tests, medications etc that you incur up to 60 days post your hospitalization.

Domiciliary Hospitalization

In case of an emergency or a medical condition that does not allow you to get admitted in a hospital, we provide coverage for medical expenses incurred during your treatment at home for a period exceeding 3 consecutive days. So nothing should delay the treatment you deserve.

Annual Health Check-up

We believe in the old adage that an ounce of prevention is better than a pound of cure. This is why we give an Annual Health Check-up for yourself and all members covered by your policy, including children.

Automatic Recharge of Sum Insured

No-Claim Bonus

We raise a cheer to good health for every year that you don't claim by increasing your Sum Insured by 10%, up to a maximum of 50% in consecutive 5 years.

Organ Donor Cover

We care about those who help you as much as we care for you. So, beyond ensuring that your medical needs are met, we will reimburse you for medical expenses that are incurred by an organ donor while undergoing the organ transplant surgery.

Reassurance of Second Opinion

Sometimes reassurance works better than the cure itself. Which is why if, at any moment you feel uncertain about your diagnosis, you can opt for a second opinion at no extra cost specially arranged by us.

No Upper Age Limit of Enrollment

All our plans including 'care', come with no upper age limit of enrollment i.e. even if a person is 100 years old, they can definitely apply.

Lifelong Renewability

We don't leave you in between the journey and honor our commitment by giving our customers option of lifelong renewability i.e. once enrolled an individual can continue to stay covered throughout one's life, provided they renew their policy on time every year.

Even alternate treatments are covered

We understand that sometimes non-allopathic treatments may prove to be more effective. Whether it is Ayurveda, Unani, Sidha or Homeopathy, choose the treatment that suits you and we will cover it up to a specified limit and varies according to the plan chosen.

Add On Covers

No Claim Bonus Super

Everyday Care

Unlimited Automatic Recharge

There should never be a time when you run out of coverage, which is why by selecting this add – on cover your sum insured amount if re-instated in your policy every time your sum insured exhausts. And this can be availed unlimited number of times.

Air Ambulance Cover

The right cure may be miles away but never out of your reach with Air Ambulance Cover. For all those times when you might be recommended a treatment which is not in your city of stay.

Personal Accident Cover

Forget the hassles of maintaining two separate policies, one for a health insurance cover & second for personal accident cover. By selecting this add- on cover you get coverage for Accidental Death and Permanent Total Disability for up to 10 times of the Sum Insured opted.

International Second Opinion

We believe that sometimes reassurance works better than the cure itself. Hence before going ahead with the treatment recommended, we give you an option to consult doctors and take a second opinion.

Global Coverage

Quality Healthcare cannot have boundaries. So if you ever feel the need get treated at an overseas facility, rest assured, since with this add-on cover you get Global Coverage that too on a cashless basis across listed network hospitals.

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