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Top Features From Care Health Plans

Key Features of Religare Care Health Insurance Plan

  • Up to Rs. 6 Crores of the sum insured with the option to renew the policy throughout the lifetime of the policyholder
  • Wide network of more than 16,500 healthcare providers spread across the country
  • No pre-requisite of medical checkups – for cases wherein the sum insured is below Rs. 25 lakhs and the age of the insured is not above 50 years
  • The facilityy of auto recharge of sum insured if the claim amount exceeds the coverage. This is done at zero additional cost
  • Worldwide cover for 12 critical ailments
  • Additional benefits for NCB (No Claim Bonus) such as 1.5x sum insured
  • Preventive health checkups on an annual basis, irrespective of claim history
  • Hassle-free and cashless claim settlement. It has the best settlement ratio (92%) in the industry
  • Covers expenses incurred during organ donation
  • Covers non-allopathic treatments including Ayurveda, Homeopathy, Unani and Sidha
  • Flexibility to add riders as per one’s needs. For example,air ambulance cover, international second opinion

Exclusions Across Care Health Plans

Policy Exclusions of Religare Care Health Insurance Plan

  • Any diagnosis or surgery whose symptoms are first seen within the waiting period i.e. 30 days of the start date of the Care policy.
  • Expenses due to any injury inflicted by self, including attempted suicide
  • Expenses due to consumption or usage of alcohol, drugs or other such substances
  • Treatment of venereal diseases such as AIDS 5) Birth or congenital disease
  • Maternity related expenses. It includes miscarriage, abortion, childbirth, infertility treatment and in vitro fertilization
  • Hospitalization expenses as a result of war, communal riots, strikes, nuclear attacks, etc.

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FAQs

You can reach out to the customer support team through phone or email to get the details. One can also place a request for a callback on the company’s website

Alternatively, one can click on the “Helpdesk” icon on the home page of the company’s website and then go to “Branch Locator”

The updated list of network or empanelled hospitals is available on the company’s website. One can also call us on the Toll-free number 1800-102-4488 or email at customerfirst@religarehealthinsurance.com to get more details.

Yes. The premium paid for the health insurance policies qualifies for a tax deduction as per Section 80D. One can claim a tax deduction of up to INR 25,000 (or INR 50,000 in case of senior citizens) for a premium paid for self, spouse and children. If the premium is being paid for parents an additional deduction of INR 25,000 (or INR 50,000 if parents are 60 years or above) can be claimed.

No. There is no such limit. However, the total claim amount (from all the claims) should not exceed the sum insured.
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