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Religare Health Insurance
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Religare Health Insurance

Health insurance is a form of insurance that provides coverage for healthcare expenses incurred by the policyholder in exchange of premium. A health insurance plan is a binding contract between the policyholder and the insurer according to which the insurance provider has to provide financial coverage or reimbursement of various healthcare expenses incurred by the policyholder (as defined the terms of the policy).

Currently, there are many options for medical insurance policies to choose from. These policies come with various benefits such as tax benefits (as mentioned under Section 80D of the Income Tax Act, 1961), coverage for daycare, hospitalization, domiciliary treatment expenses, options like add-ons for policy, co-payments; etc.

What is Religare Health Insurance?

Religare Health Insurance Company is one of the leading financial services and health insurance providing company in India. It specializes in providing a wide range of policies related to health insurance. It also offers solutions in the area of wealth management, investment, insurance, stock-broking, and lending.

Religare Health Insurance Company Limited was founded and established in July of 1967 and launched in 2012 by the joint efforts of the Corporation Bank, Religare Enterprise Ltd. and United Bank of India.

The company is headquartered in New Delhi. The stakeholders of Religare Health Insurance hold certain portions of stock of the above three organizations that are interrelated.

Religare benefits from the knowledge on the health insurance market of its promoters, which are the founders of Fortis Hospitals, which is one of the highly reputed chains of healthcare institutions in India.

Religare provides jobs for more than 6000 employees and has a total of 142 branches spread across India. It has more than 7000 hospitals as its network of hospitals. The current CEO and MD of the company is Mr. Anuj Gulati.

Highlights of Religare Health Insurance Company Limited

Serial Number

Features of the Company

Specifications

1

Hospital Network

7400+

2

Grievances solved (in percentage) (till date)

99.30%

3

The ratio of Incurred claims

93%

4

Waiting Period specified for Pre-existing disease(s)

4 years

5

Policy Renewability

Lifetime renewal

Why should you choose the Religare Health Insurance?

There are a plenty of health insurance plans available in the market to choose from. But, one should tread carefully while thinking of buying a health insurance plan.

There are a lot of factors that need to be considered, which decide the overall quality of a policy. Some of these factors are Premium Rates, Waiting Period, Free-look Period, Co-payment, Hospitalization, Daycare expenses, Domiciliary treatments, etc.

Considering the ever-rising medical costs and the savings of an individual who goes through a medical emergency, it is strongly recommended to get medical insurance.

Religare medical Insurance, being one of the leading insurance providers and primarily specializing in the domain of health insurance, is a great choice as an insurer. Religare Health Insurance plan not only provides coverage for medical emergencies and expenses but also protects one from facing a financial crisis and getting insured against any unforeseen medical contingencies.

Some of the reasons that dictate that Religare Health Insurance plans are indeed a great choice as health insurance plans are mentioned below:

Huge Hospital Network –

Religare has a hospital network that consists of more than 7400 prominent and leading healthcare institutions such as Fortis Hospitals (promoters of Religare Health). A Religare policyholder can avail cashless hospitalization in any of the hospitals in this list.

Preventive Medical Check-up –

The Company offers preventive medical checkups for its policyholders without any extra annual cost. They also offer coverage for various pre-defined diagnostic and medical tests that are listed in the policy contract.

A plethora of Options –

Religare Health Insurance Company offers numerous options when it comes to how many members of a family and individual want to get insured. They offer various Family Floater plans that provide health insurance for up to 6 family members, which are 2 children and 4 adults. Also, the company offers a wide range of options for health insurance products that one can select from based on his/her requirements.

Coverage for Pre and Post-hospitalization –

Financial coverage for pre-hospitalization as well as post-hospitalization expenses are provided by Religare. The expenses coverage is offered for a maximum of 30 days for prior hospitalization and 60 days for post-hospitalization.

Coverage for Pre-existing Diseases –

Religare provides coverage for medical treatments and checkups related to pre-existing diseases and ailments suffered by the policyholder after a certain Waiting Period, which is 4 years.

Policy Renewability –

Religare health insurance policies have no restriction on age for the renewal of a policy. All of the policies offered by it come with a Lifetime Renewability option. This is particularly advantageous to those who do not wish to take a break from being insured by a health insurance policy.

Claims Process –

Religare offers hassle-free claims process for its policyholders as there is minimal documentation and no involvement of TPAs (Third Party Administrators).

Types of Religare Health Insurance plans

The Religare Health Insurance Company offers a total of 6 Health insurance plans which have been mentioned below:

Plan Name

Minimum Age of Entry

Maximum Age of Entry

Policy Term

Care

5 years

No Limit

1 year/2/3 years

Joy

For newborn: 1 day

For children: 1 day

For adults: 18 years

For newborn: 90 days

For children: 24 years

For adults: 45 years

1 year/2/3years

Enhance

1 day

No Limit

1 year/2/3 years

Secure

91 days

For kids: 24 years

For adults: 70 years

1 year/2/3 years

Assure

18 years

65 years

1 year/2/3 years

 

Some of the critical points and details regarding these plans are mentioned below:

Religare Care plan

  • Basic Health Insurance plan
  • Comes in 2 variants – family floater or individual floater plans
  • Sum Insured options are – INR 3, 4, 5, 7, 10, 15, 20, 25, 50, 60 Lakhs
  • 20% of co-payment applicable to medical coverage
  • Unique benefits include the availability of Global treatment coverage add-on and Auto Recharge of Sum Insured

Religare Joy plan

  • Comprehensive health insurance policy targeted at and specifically designed for pregnant women
  • Comes in 2 variants – Joy Today and Joy Tomorrow
  • Cover type options available – individual floater or family floater
  • 20% of co-payment as claim amount
  • Unique benefits include maternity insurance, Waiting Period for maternity claim is minimal and No-claim bonanza option (100% increase of Sum Insured)

Religare Care Freedom plan

  • Advanced health insurance
  • Does not require any pre-policy medical screening
  • Waiting Period for coverage of pre-existing diseases is 2 years
  • Sum Insured options are – INR 3 and 5 Lakhs
  • Co-payment option available and will increase by 10% after the policyholder attains the age of 71 years
  • Unique benefits include Free annual preventive healthcare checkups and Auto Recharge of Sum Insured

Religare Enhance plan

  • Top-up health insurance policy offered by Religare
  • Available in individual floater or family floater options
  • Sum Insured options are – INR 1 to 25 Lakhs or INR 6 to 30 Lakhs
  • For applicants over the age of 61 years, 20% co-payment for INR 5 Lakhs
  • Unique benefits include Global Treatment coverage, Top-up health insurance policy.

Salient Features of the Religare Health Insurance

Some of the prime features of Religare medical Insurance policy are as follows:

  • All health insurance plans by Religare offer financial coverage for a maximum of 6 members of a family, which is 2 children and 6 adults, under the family floater option
  • Religare Health Insurance plans have no maximum age limit when it comes to renewal of their policies, that is, a policyholder has the option of lifetime renewability
  • It offers coverage for hospitalization expenses incurred by the policyholder
  • It also offers coverage for pre-hospitalization (up to 30 days) and post-hospitalization charges (up to 60 days)
  • Religare Health offers coverage for medical checkups and specified diagnostic tests annually
  • After a waiting period of 4 years, a policyholder is offered financial coverage for treatments for pre-existing diseases
  • It offers a co-payment option whereby a policyholder can partially pay for certain treatments and medical procedures as he/she wishes

Core Benefits of Religare Health Insurance

Some of the prime benefits of Religare medical Insurance policy are as follows:

  • Religare has a well-established and strong healthcare legacy, which is further backed by leading healthcare institutions in India like Religare Wellness, Fortis Hospitals Ltd. and SRL Diagnostics
  • Religare Health Insurance has a wide Network of Hospitals that provides the option to be treated at a leading hospital or home treatment
  • Minimal documentation, regarding the claim, and renewal process
  • Lifetime Renewal option available for all plans
  • The company provides simple and easy communication with policyholder
  • Religare Healthcare Insurance plans offer a Sum Insured of an amount up to INR 6 Crores
  • It offers cashless hospitalization
  • Coverage for pre-hospitalization and post-hospitalization charges
  • If a certain claim amount exhausts the coverage of a policy, then the insurer will automatically replenish the basic Sum Insured for free
  • No-claim bonus of up to 150% of Sum Insured
  • Free annual health checkups and specified diagnostic tests
  • For policies with Sum Insured of an amount less than INR 25 Lakhs, there is no need for pre-policy medical screening (till the age of 50 years)
  • Religare Health has a great insurance claim settlement ratio as compared to some other insurance providers in India
  • Religare Health Insurance claim ratio for incurred claims is 55% for the Fiscal year 2018-19
  • Availability of attractive add-on covers for policy

Add-on Covers

Some of the add-on covers for a Religare Health Insurance plan are as follows:

  • No-Claim Bonus Super – 50% increase in Sum Insured for every claim-free policy year
  • Unlimited Auto Recharge – Automatic recharge of basic Sum Insured in case of exhaustion during a claim
  • Everyday Care – Provision of 1% of Sum Insured for diagnostic tests and doctor consultation charges (in case of routine visits)
  • Personal Accident Cover – 10 times of Sum Insured reimbursement to the beneficiary or nominee of the policy on Permanent Total Disability or Accidental Death
  • Air Ambulance Cover – Provision of financial coverage in case the policyholder wants to be treated in another city
  • Global Coverage – Cashless coverage at any of the hospitals in Religare’s Hospital Network situated abroad
  • International Second Opinion – Coverage for the second opinion before undergoing a treatment

Documents required to apply for the Religare Health Insurance

The documents that are required to be submitted with the insurer while applying for a health insurance policy are mentioned below:

  • Proof of ID – KYC documents such as Aadhar card, non-KYC documents such as Driving Licence, Passport, etc.
  • Proof of Age – Birth Certificate
  • Proof of Income
  • Proof of Address – electricity bill or telephone bill with address, other documents with residential proof such as passport, etc.
  • Documents supporting the Medical treatment or the hospitalization history

Inclusions of the Religare Health Insurance

The policy inclusions of Religare Health Insurance plans are as follows:

  • Hospitalization expenses
  • Pre-hospitalization and post-hospitalization charges
  • Domiciliary treatment charges
  • Annual Prevent medical check-up and specified diagnostic tests
  • Day Care treatment charges
  • Other specified medical treatment and procedures charges
  • Hospital room rent
  • Organ Donor charges
  • No-claim Bonus
  • Auto Recharge of Sum Insured
  • Cover for Second Opinion or Consultation before treatment

Exclusions of Religare Health Insurance

The policy exclusions of Religare Health Insurance plans are mentioned below:

  • Surgeries or diagnosed diseases whose symptoms occur within the first 30 days of the policy term
  • Expenses incurred for treating Self-inflicted injuries
  • Drug or Substance or alcohol abuse treatments or rehabilitation for the same
  • Expenses incurred for HIV/STDs/AIDS treatment
  • Expenses incurred for treatment during pregnancy and related situations
  • Treatments and medical procedures related to in-vitro fertilization and infertility
  • Expenses incurred for treating diseases or injuries due to nuclear weapons, wars, strike or riots
  • Treatment for congenital diseases
  • Suicide

Eligibility Criteria to apply for the Religare Health Insurance

The eligibility criteria for Religare Health Insurance plans depend on the age of the applicant, which is different for different policies that Religare provides. The age criteria are mentioned below:

Serial Number

Name of the Plan

Age

Minimum Age

Maximum Age

1

Religare Care plan

91 days

No limit

2

Religare Joy plan

18 years (for adults)

1 day (for newborn babies)

65 years (for adults)

24 years (for children or young adults)

90 days (for newborn babies)

3

Religare Care Freedom plan

46 years

No limit

4

Religare Enhance plan

1 day (for floaters)

No limit

Claim Process of the Religare Health Insurance

Mediclaim is the process that allows them to file a medical insurance claim on their policy when the claimant has financial requirements on the grounds of medical expenses. The medical costs include hospitalization charges (ideally at one of the hospitals in the hospital network of the insurer), cost of emergency medical treatment, etc.

Regarding a Religare Health Insurance plan, the policyholder is required to intimate the insured about a claim within 24 hours for emergency hospitalization or 48 hours for planned hospitalization. The policyholder has to intimate the insurer about reimbursement of medical expenses within 24 hours.

Religare Health offers a hassle-free claim process with minimal documentation and excellent customer care to address the queries of the policyholder.

The different claim scenarios that can arise are mentioned below:

Cashless or Unplanned Hospitalization

Form to be collected or downloaded and filled up – Religare Health Insurance claim form

Documents required are as follows:

  • Applicable claim form in original
  • Expense reimbursement details or file (if required)
  • Approval letter attested by the claim management team
  • Query details (if any)
  • ID proof (KYC or non-KYC documents)

Planned hospitalization

Form to be collected or downloaded and filled up – Religare Health Insurance claim reimbursement form

Documents required are as follows:

  • Applicable claim form in original
  • Expense reimbursement details or file
  • Approval letter attested by the claim management team
  • ID proof (KYC or non-KYC documents)
  • Medical certificate of the patient issued by the hospital or the attending physician
  • A medical report issued by the hospital or the attending physician
  • Discharge form
  • Other medical documents 

Accidental injury(s)

Form to be collected or downloaded and filled up – Religare Health Insurance accidental injuries claim form

Documents required are as follows:

  • Applicable claim form in original
  • ID proof (KYC or non-KYC documents)
  • Approval letter attested by the claim management team
  • Medical certificate of the patient issued by the hospital or the attending physician
  • A medical report issued by the hospital or the attending physician 

Accidental or Natural Death

Form to be collected or downloaded and filled up – Religare Health Insurance death claim form

Documents required are as follows:        

  • Applicable claim form in original
  • Approval letter attested by the claim management team
  • Death Certificate
  • Post Mortem Report
  • FIR and FPIR Report (in case of unnatural death)
  • All medical documents issued by the hospital or doctor

Renewal Process of the Religare Health Insurance

A renewal form needs to duly fill and submitted with the insurer to renew a policy. The renewal form can be collected at the nearest branch office of the insurance company or downloaded from its official website.

All the policies offered by Religare medical insurance except Religare Joy, Religare Secure, and Religare Assure plans have lifetime renewability. That is, there are no age restrictions on those policies regarding policy renewal.

The plans mentioned above have an age restriction, and therefore a policyholder has to renew these plans before hitting the maximum age limit.

Just like the claim process, Religare Health also offers a hassle-free renewal process to policyholders, and the process itself is quick and very simple.

Various details that the policyholder has to provide in case of applying for policy renewal are as follows:

  • Policy Number
  • Name
  • DOB (Date of Birth)

The policyholder has to submit the policy documents in original with ID proof (KYC or non-KYC documents) and pay the appropriate amount for policy renewal. This can be done at the nearest branch office or through online mode.

In the case of online mode, payment can be made through Credit or Debit card or Net banking. After a few days of completing the payment process, the policyholder will receive a policy renewal confirmation.

How to Buy Religare Health Insurance?

There are 2 ways that an interested individual can follow to purchase a Religare Health Insurance plan – online or offline.

The offline mode refers to the process where the individual has to visit the office of the insurer to check out the details of a policy that he/she is interested in and purchasing it after filling up an application form. The insured also has to provide applicable documents in support of his/her application.

The online mode refers to the buying of a health insurance plan. One of the good things about Religare is that it provides all of its plans to be purchased online. One can visit the official website of Religare Health Insurance Company to check out the policy details and purchase it.

In the case of the offline mode, payment can be made through cash, cheque (s), demand drafts or NEFT transfers at the branch office. The online mode offers Credit or Debit card, Net banking, and NEFT transfer payment options.

Religare Health Insurance FAQs

Written By: Paisawiki - Updated: 10 July 2020

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