About Religare Health Insurance
Established in the year 2012, Religare Health Insurance Company Limited is a specialized healthcare insurer. Its product line includes protection against Critical diseases, personal accident, Top-up Coverage, Overseas Travel Insurance and Maternity along with Group insurance policies (Health Insurance and Personal Accident) for corporates.
Part of Religare Enterprises Limited (REL), it continuously strives towards excellent customer experience through effective leveraging of technology, product innovation and cost-effective solutions. Currently, the company has been renamed Care Health Insurance but its products and service quality remain the same.
Recognitions received by Religare Health Insurance
Why should you choose Religare for your health insurance needs?
The team at Religare has more than ten years of professional experience in the healthcare ecosystem. Religare’s promoters are also the brainchild behind leading healthcare institutes such as SRL Diagnostics, Fortis Hospitals and Religare Wellness.
Religare’s patrons can choose to avail high-quality treatment from more than 5420 leading hospitals spread across the length and breadth of the country.
At Religare, the team understands the emotional turbulence our customers are in when faced by health issues. Hence, whenever there is a claim, they ensure that there is no intermediary involved in the process and attend to the claim request personally. This not only ensures a faster response time but also makes their valued customers feel more at ease.
Their product line echoes Lincoln’s thoughts – “of the people, by the people, for the people”. They offer best-in-class healthcare products and services. Annual health checkups, flexibility of availing treatments from anywhere across the globe, you name it and they have it!
Religare understands the importance of time, especially in crisis situations. Cashless claim approvals come through in approximately two houINR
Religare health insurance plans
Religare offers a range of health insurance plans which help in meeting the medical expenses incurred on hospitalisation. Moreover, there are health insurance plans which pay a lump sum benefit in case of claim enabling you to avail quality healthcare treatments without any financial strain. Before delving into the different types of health insurance plans offered by Religare, let us have a look at the inclusions and exclusions of Religare health insurance plans –
Inclusions of Religare health insurance plans –
Type of coverage |
Meaning |
Inpatient hospitalisation |
Expenses incurred on hospitalisation for 24 hours or more fall under this category. Under this head, the cost of room rent, ICU room rent, doctor’s fee, surgeon’s fee, nurse’s fee, medicine, blood, etc. are covered |
Pre hospitalisation |
Under this head, the costs incurred on doctor’s consultations, tests and other medical expenses incurred before being hospitalised are covered for 30 to 90 days |
Post hospitalisation |
Under this head, the expenses incurred after you are discharged from the hospital are covered for 60 to 180 days |
Ambulance costs |
The cost incurred in transporting the insured member to the hospital for availing treatments would be covered under this head |
Daycare treatments |
Almost all health plans provide coverage for daycare treatments which are treatments that do not require hospitalisation for 24 hours |
Organ donor expenses |
Expenses incurred on harvesting an organ from a donor for organ transplant surgery of the insured are covered under health insurance plans |
Domiciliary treatments |
Treatments taken at the residence of the insured are called domiciliary treatments. These treatments are covered if they exceed 3 days |
Sum insured restoration |
This is a unique coverage benefit which is offered under many Religare medical insurance plans. Under this benefit, the sum insured is restored if it is used up within the policy year on earlier claims |
Maternity coverage |
Maternity coverage is available under some Religare insurance plans. Under this cover, the cost of childbirth, both normal and C-Section, are covered up to specified limits |
Newborn baby coverage |
Under this coverage, the medical costs incurred on a new born baby are covered from the day the baby is born till up to 90 days |
Free health check-ups |
You can avail free health check-ups under almost all Religare insurance plans which helps you to track your health |
No claim bonus |
If no claim is made in a policy year, Religare insurance plans allow an increase in the sum insured by way of no claim bonus |
Exclusions of Religare health insurance plans
Religare medical insurance plans provide a comprehensive scope of coverage. However, there are policy exclusions too under which coverage is not allowed. Some of the most common exclusions under Religare health insurance plans include the following –
Health insurance plans offered by Religare
Here is a comparative analysis of the different health insurance plans offered by Religare –
Name of the plan |
Entry age |
Plan tenure |
Sum insured |
Pre-existing waiting period |
Care |
91 days onwards |
1 to 3 years |
INR 4 lakhs to INR 6 crores |
48 months |
Care Freedom |
Adult – 18 years under Plan I and 46 years under Plan II Child – 90 days to 24 years |
1 to 3 years |
INR 2 lakhs to INR 10 lakhs |
24 months |
Care Heart |
18 years onwards |
1 to 3 years |
INR 2 lakhs to INR 10 lakhs |
24 months |
Enhance |
Adult – 18 years onwards Child – 5 years to 24 years |
1 to 3 years |
INR 1 lakh to INR 40 lakhs |
48 months |
Joy |
Adult – 18 years to 65 years Child – 1 day to 24 years |
Today – 3 years Tomorrow – 1 to 3 years |
INR 3 lakhs and INR 5 lakhs |
48 months |
Secure |
Adult – 18 years to 70 years Child – 91 days to 24 years |
1 to 3 years |
INR 1 lakh to INR 25 crores |
NA |
Super Mediclaim |
Adult – 18 years onwards Child – 91 days onwards |
1 to 3 years |
INR 1 lakh to INR 6 crores |
48 months |
Assure |
18 years to 65 years |
1 to 3 years |
INR 1 lakh to INR 25 crores |
NA |
Arogya Sanjeevani Policy |
Adult – 18 years to 65 years Child – 91 days to 24 years |
1 year |
INR 1 lakh to INR 5 lakhs |
48 months |
Corona Kavach |
Adult – 18 years to 65 years Child – 91 days |
3.5 months, 6.5 months or 9.5 months |
INR 50,000 to INR 5 lakhs |
15 days |
Care Advantage |
Adult – 18 years onwards Child – 91 days onwards |
1 to 3 years |
INR 25 lakhs to INR 6 crores |
48 months |
COVID Care |
Adult – 18 years to 70 years Child – 91 days to 24 years |
1 year |
INR 3 lakhs to INR 10 lakhs |
15 days |
Details of Religare health insurance plans
Here’s a brief look into all Religare medical insurance plans highlighting their salient features –
This is a comprehensive health insurance policy which meets the healthcare needs of individuals and families. In addition to covering the usual hospitalization (including domiciliary, pre-hospitalization and post-care) expenses, it provides a host of other benefits to the policyholders
Key Features:
This health insurance plan can meet the medical requirements of all individuals, irrespective of their age. It can be particularly beneficial as a floater policy for families as it takes care of a range of healthcare needs or as an individual policy for individuals nearing the retirement age.
Key Features
Care Heart is a comprehensive health insurance plan for individuals with heart ailments. However, its scope is not restricted to only cardiac treatments but includes a wide range of ailments and their treatments.
Key Features:
This policy is perfect for those who want to enhance their medical coverage. This is a deductible plan. In simple words, if one opts for an INR 10 lakh sum insured (with deductible of INR 1 Lakh), then in case of a medical emergency, the insured needs to bear expenses worth INR 1 Lakh and the insurer will provide an additional cover of INR 10 Lakhs (over and above the deductible amount).
Key Features
This policy strikes the perfect balance between maternity and newborn baby cover along with health insurance. There are two sub-plans available – Joy Today and Joy Tomorrow
Key Features:
This is a comprehensive Personal Accident policy which covers a broad range of expenses.
Key Features
The plan includes different indemnity based healthcare products that are more specifically targeted towards certain critical diseases or procedures. Currently, Religare offers three Super Mediclaim plans.
All major kinds of cancers are included in the scope of this insurance plan. In addition to the usual hospitalization costs, it also covers expenses towards chemotherapy and radiotherapy.
It covers treatment costs for 16 critical heart diseases.
This plan provides comprehensive coverage for 32 critical diseases such as heart ailments, cancer, surgeries, etc.
This is a fixed benefit plan that covers critical illnesses as well as personal accidental injuries.
Key Features
This policy is a standardized health insurance policy which provides basic coverage at affordable premium rates.
Key Features
This plan has been launched to cover hospitalisation and medical expenses incurred due to COVID.
Key Features
This is a high sum insured health insurance policy which provides a comprehensive scope of coverage to those seeking a high-value cover.
Key Features
This is an indemnity health insurance policy which has been designed by the company especially for covering COVID related cases.
Key Features
How to apply for Religare Health plans?
Applying for Religare’s health insurance plans can be done online through Tirtlemint’s website. The process is as follows –
You would also be able to find out Religare Health Insurance Policy status through Turtlemint’s platform.
How to make Health Insurance Claims
Religare has an in-house claim settlement department which offers help in claim settlement round the clock. You can, therefore, contact Religare’s claim helpline number for raising your claim. Health insurance claims can be paid on a cashless basis or on a reimbursement basis depending on the hospital that you choose for treatments.
Turtlemint also helps you in getting your claim settled. There is a dedicated claim team of Turtlemint which helps in getting your claims settled at the earliest. You would just have to call on 1800 266 0101 or mail Turtlemint at claims@turtlemint.com to get help for your claims.
If, however, you choose to get your claims settled through Religare, the following steps would have to be followed –
For Cashless Claims, follow the below steps:
For reimbursement claims, follow the below steps:
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.