Religare Health - Care plan

Care our comprehensive health insurance policy takes care of your medical expenses and more, so that you are absolutely worry-free.

* Get annual health check-up for insured members - regardless of claims history.
* Get automatic policy recharge if claim amount exhausts your coverage, at no extra cost.
* No upper-limit age on any of our plans.
* Avail treatment anywhere in the world.
* Daily allowance to meet incidental expenses
. * No premium increase due to any claim made.
* Ease of cashless treatment & settlement of claims directly by the company.

Tax Benefit :
Opting for health insurance is certainly a step in the right direction, and it comes with a two-fold benefit. Not only does it ensure that you and your family can access good medical care at all times, it also enables you to avail of a tax benefit on the premiums you pay towards your health insurance, as per prevailing tax laws of the Income Tax Act, 1961.
In - Patient Care :
Hospitalization for atleast 24hours - If you are admitted to a hospital for in - patient care ,for a minimum period of 24 consecutive hours ,we pay for the medical expenses incurred at the hospital - from room charges ,nursing expenses and insentive care unit charges to surgeon's fee doctor's fee's anesthisia ,blood ,oxygen ,operation charges,etc.

1.Hospitalization Cover :
If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours, we pay from - room charges, nursing expenses and ICU unit charges to surgeon's fee, anaesthesia, operation theater charges, etc.
2.Pre & Post hospitalization :
Sometimes the procedures that finally lead you to hospital, such as investigative tests and medication, can be quite financially draining. We cover the medical expenses incurred by you before your hospitalization. The expenses don
t end once you are discharged. There are bound to be follow-up visits to your medical practitioner, medication that is required and sometimes even further confirmatory tests. We also cover the medical expenses incurred by you after your hospitalization.
3.Day Care Treatment :
We also pay for your medical expenses if you undergo a day care treatment at a hospital that requires hospitalization for less than 24 hours - we cover a comprehensive range of day care treatments.
4.Daily Allowance :
This will help you take care of the incidental non-medical expenses (attendant meals, transportation etc.) incurred during hospital stay.
5.Ambulance Cover :It is our utmost concern that you get the medical attention you require as soon as possible. Especially in an emergency. We will reimburse you for expenses that you incur on an ambulance service offered by the hospital or any service provider, in an emergency situation.
6.Domiciliary hospitalization :
In case hospitalization is not possible due to a health condition or room non-availability, our 'Domiciliary hospitalization' will reimburse the medical expenses incurred by you during your treatment at home, so long as it involves medical treatment for a period exceeding 3 days and had actually merited hospitalization.
7.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.
8.Get annual Health Check-up :
Our concern is your good health. To pre-empt your ever having to visit a hospital, we provide an annual health check-up for yourself and adult members of your family covered by the policy - regardless of claim history.
9.Second Opinion :
We take your illness as seriously as you do. If you are suffering from a major illness and feel uncertain about your diagnosis or wish to get a second opinion of an expert/doctor, we arrange one for you, free of cost.
10.No Claim Bonus :
If you do not have any occasion to claim health insurance in a particular year, get an increase of 10 per cent in your sum insured during the next year. And for every year that you enjoy un-interrupted good health, your bonus keeps building up, up to 50% of your sum insured! It
s just our way to tell you that we
re there with you in good times and in bad.
11.Lifelong Renewability :
The Policy can be renewed lifelong under the then prevailing Health Insurance Product or its nearest substitute approved by IRDA
12.Recharge your Sum Insured :
If due to claims made, you ever exhaust your health cover, we reinstate the entire sum insured of your policy.
13.Tax Benefit :
Opting for health insurance is certainly a step in the right direction, and it comes with a two-fold benefit. Not only does it ensure that you and your family can access good medical care at all times, it also enables you to avail of a tax benefit on the premiums you pay towards your health insurance, as per prevailing tax laws of the Income Tax Act, 1961.
14.Floater Cover :
You no longer need to manage individual health insurance plans for your family members. Under the
floater
plan, you can cover any member of your immediate family (yourself or spouse, parents and children) for the sum insured in a single policy.
15.Review your decision :
After purchasing your policy, if you find it unsuitable, you can cancel the same with us. Our policy comes with a free look period of 15 days.

Minimum Entry Age : 91 Days
Maximum Entry Age : No Age Bar

Policy Term : The security of your health and resultant happiness should be your prerogative for life . To make the process of renewing your health insurance more convinient , choose a policy with a term between one to three years.

Renewal Primium : Premium payable on renewal and on subsequent continuation of cover are subject to change with prior approval from IRDA.
Renewal : Life long renewablity . The policy can be renewed under the prevailing Health Insurance Product or its nearest subsitute approved by IRDA.

Change In Sum Insured : You can enchance your sum insured under the policy only upon renewal .

Free Look Period : We have your best interest at heart and at the same time recognize that you know your needs the best . Hence after purchasing the policy if you find it unsuitable , you can cancel and return the policy to us .Our policies come with a free - look period of 15 days .

Grace Period : 30 days from the date of expiry to renew the policy.

* Any pre-existing ailment/injury that was diagnosed/received within 48 months prior to issuance of the first policy.
* Any diseases contracted during first 30 days of the policy start date except those arising out of accidents.
* Non-allopathic treatment.
* Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
* Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
* Cost of spectacles/contact lenses, dental treatment
* Medical expenses incurred for treatment of AIDS
* Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
* Congenital disease
* Tests and treatment relating to infertility and in vitro fertilization.
* Please remember, there are some treatments such as non-infective arthritis, joint replacement etc., which are covered only after completion of 2 consecutive policy years.