Finance
Say Goodbye To Health Risks With Religare Health Insurance

Healthcare costs have drastically shot up over the past couple of years, making health insurance a must-have policy for every household. Should a medical emergency arise and you do not have insurance, you may end up submerged in debt, with no way out of the mess. To protect yourself from falling into such a situation in the first place, it is recommended that you avail a health plan.
Religare Health Insurance is one of the leading insurance players in the market engaged in providing health insurance. Its insurance plans are aimed at keeping you covered and financially secured in the event of a medical emergency. Religare has four plan options targeted at individuals under its health insurance offerings, namely Care, Care Freedom, Enhance and Joy.
Risks Covered
The following are the benefits you derive when you trust Religare Health Insurance to meet your healthcare needs:
Care (Comprehensive Health Insurance) – Care is a comprehensive health plan that caters to the health insurance needs of both individuals and family.
Features of Care:
- Sum insured can go up to Rs. 6 crore.
- For every year claim-free year, the sum insured will increase by 10%, up to a maximum of 50% in consecutive 5 years.
- If the sum insured is less than Rs. 25 lakhs and the insured individual is below 50 years of age, pre-policy medical check-up will not be required.
What’s covered?
- 30-day pre-hospitalization coverage
- Ambulance cover
- In-patient hospitalization
- Room rent
- ICU charges
- 60-day post – hospitalization coverage
- Domiciliary hospitalization
- Annual health check-up
- Alternative treatments
- Automatic recharge of sum insured
- Organ donor cover
Care Freedom (Senior Citizen Health Insurance) – Care Freedom is a health plan specially designed for senior citizens. Individuals aged 46 and above can be covered under this policy.
Features of Care Freedom:
- Sum insured options available are Rs. 3 lakhs, 5 lakhs, 7 lakhs and 10 lakhs.
- A 2-year waiting period will apply in case the insured individual suffers from any pre-existing ailment.
- Sum insured will be recharged automatically if the coverage limit gets exhausted.
What’s covered?
- In-patient care
- Day care treatment
- Annual health check-up
- Companion benefit (if hospitalization exceeds 10 days)
- Pre-hospitalization expenses
- Post-hospitalization expenses
- Ambulance cover
- Domiciliary hospitalization
- Dialysis cover
Enhance (Super Top Up Insurance) – Enhance is a high deductible health plan that works alongside your current health policy.
Features of Enhance:
- Flexible range of deductible and wide choice of sum insured options – up to Rs. 60 lakhs (Deductible + Sum Insured).
- Members insured under this plan get free health check-up every year.
- Pre-policy medical check-up will not apply if coverage (deductible + sum Insured) is below Rs. 15 lakhs, till the individual reaches 45 years of age.
What’s covered?
- Hospitalization expenses like ICU charges, doctor’s fee etc.
- Pre-hospitalization medical expenses
- Post-hospitalization medical expenses
- Day care treatment
- Health check-up
- Organ donor cover
Joy (Maternity and New-born Cover) – Joy by Religare Health Insurance offers the dual benefit of maternity cover and new-born baby cover.
Features of Joy:
- It covers hospitalization expenses incurred during pregnancy and medical expenses of the new-born until the child reaches 90 days of age.
- Policy tenure can go up to 3 years.
- Under its No Claim Bonanza feature, if no claims are filed during the policy term of 3 years, there will be a 100% increase of sum insured.
What’s covered?
- Hospitalization expenses
- Pre-hospitalization medical expenses
- Post-hospitalization medical expenses
- Ambulance cover
- New-born baby cover
- New-born birth defects (Joy Tomorrow)
Terms And Conditions Of Health Insurance
The terms vary depending on which policy you have availed. Here is a look at the terms associated with the health insurance plans offered by Religare:
Care – Policy Terms
Minimum entry age | 91 years |
Maximum entry age | No limit |
Renewability | Lifelong |
Co-payment | At the time of availing this cover, if the individual is 61 years or above, a 20% co-payment becomes applicable. |
Waiting Period for pre-existing ailment | Four years of continuous coverage |
Care Freedom – Policy Terms
Minimum entry age | 46 years |
Maximum entry age | No limit |
Renewability | Lifelong |
Age of proposer | 18 years or above |
Waiting period for pre-existing ailment | Two years of continuous coverage |
Enhance – Policy Terms
Minimum entry age | 1 day |
Maximum entry age | No limit |
Change in Sum Insured | Sum insured can be increased under the policy only at the time of renewal. |
Co-payment | At the time of availing this cover, if the insured individual is 61 years or above, a 20% co-payment becomes applicable. |
Waiting Period for pre-existing ailment | Four years of continuous coverage |
Joy – Policy Terms
Minimum entry age | Adult: 18 years
Child: 1 day Newborn: 1 day |
Maximum entry age | Adult: 65 years
Child: 24 years Newborn: 90 days |
Waiting period | 30 days for any illness other than accident
24 months for maternity (Joy tomorrow) 9 months for maternity (Joy today) 2 years for specific treatments/illness 4 years for pre-existing ailments |
Maternity cover – maximum age | 45 years |
Co-payment | If you enrol at the age of 61 years or above, a 20% co-payment becomes applicable. |
General exclusions of Religare Health Insurance are as follows:
- Expenses incurred on account of alcohol or drug abuse.
- Expenses incurred in treatment of AIDS.
- Hospitalization as a result of injuries caused by war, riot, strike and nuclear weapons will not be covered.
- Expenses incurred due to self-inflicted injury.
- Any diagnosis of diseases within the first 30 days of policy start date.
In this day and age, not having a health insurance policy is a huge risk. Religare is one of the leading brands in the health insurance segment with 5000+ network hospitals across the country. To find the most suitable Religare Health Insurance Plan, visit www.coverfox.com, where you can compare features and benefits of different plan and purchase adequate cover in just a matter of minutes.