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

  • ✔ Adjudged as the “Best Health Insurance” provider by ABP News (BFSI Awards)
  • ✔ Claims Service Leader for the year at the Insurance India Summit & Awards
  • ✔ Editor’s Choice Award for Best Product Innovation by Finnoviti
  • ✔ Awarded as the Best Medical Insurance Product at the FICCI Healthcare platform

Why should you choose Religare for your health insurance needs?

  • They have healthcare in their blood

    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.

  • Widespread Hospital Network

    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.

  • Zero intermediaries

    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.

  • Best-in-class products

    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!

  • Quick Turnaround Time

    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 


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 –

  • Pre-existing illnesses are not covered in the first 2-4 years of buying the policy
  • There is a 30 to 60 day waiting period for the coverage of illnesses from the date of buying the policy
  • In the case of specific illnesses and treatments, there is a waiting period of 2 years
  • Maternity coverage is provided after a waiting period which depends on the policy that you buy
  • Unproven or experimental medical treatments are not covered
  • Expenses incurred on OPD basis and on the cost of consumables are not covered
  • Congenital diseases or defects
  • HIV/AIDS or any other sexually transmitted diseases
  • Self-inflicted injuries attempted suicide or expenses incurred under the influence of intoxicating substances
  • Medical expenses incurred due to war, nuclear contamination, civil unrest, mutiny or any other similar perils

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 


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


Adult – 18 years onwards

Child – 5 years to 24 years

1 to 3 years

INR 1 lakh to INR 40 lakhs

48 months


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


Adult – 18 years to 70 years

Child – 91 days to 24 years

1 to 3 years

INR 1 lakh to INR 25 crores


Super Mediclaim

Adult – 18 years onwards

Child – 91 days onwards

1 to 3 years

INR 1 lakh to INR 6 crores

48 months


18 years to 65 years

1 to 3 years

INR 1 lakh to INR 25 crores


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


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 –

  • Care

    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:

    • Up to INR 6 Crores of the sum insured with the option to renew the policy throughout the lifetime of the policyholder.
    • The facility of auto recharge of sum insured if the claim amount exceeds the coverage.
    • Worldwide cover for 12 critical ailments
    • Flexibility to add riders as per one’s needs. For example, air ambulance cover, an international second opinion.
  • Care Freedom

    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 

    • A reduced waiting period of two years for the inclusion of pre-existing ailments
    • Automatic recharge of sum insured in case coverage gets exhausted
    • Irrespective of the past claims track record, annual medical check-ups for all insured individuals
  • Care Heart

    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:

    • Covers alternative treatments, subject to a maximum limit of 25% of the Sum Insured
    • Auto recharge (100% of the original sum insured) if the cover is exhausted
    • Benefits associated with claim-free years such as the increase of up to 50% of sum insured
    • Annual cardiac check-up
  • Enhance 

    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

    • Health check-ups for policyholders once in a year. This option is available regardless of the history of claims.
    • Facility to opt for global medical treatments with Enhance anywhere
    • No sub-limit on expenses such as ICU Chargers, surgery costs, doctor’s fees, etc.
  • Joy

    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:

    • Condensed waiting period for maternity insurance claims – 9 Months (Joy Today) and 24 Months (Joy Tomorrow). It is inclusive of pre-natal and post-natal expenditures.
    • The policy covers expenses for treatment of a new born baby. It also includes congenital defects.
    • Flexibility to choose add-on covers such as an increase in sum insured as a No Claim Bonus
  • Secure

    This is a comprehensive Personal Accident policy which covers a broad range of expenses. 

    Key Features

    • Covers accidental death, permanent disablement (partial and total) and improvement, temporary disablement (total), fractures, burns, critical diagnostic tests, 
    • Covers education of children
    • Common carrier accident cover
    • Mobility Care and nursing cover
    • Disappearance cover
  • Super Mediclaim

    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.

    • Cancer Mediclaim

      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.

    • Heart Mediclaim

      It covers treatment costs for 16 critical heart diseases. 

    • Critical Mediclaim

      This plan provides comprehensive coverage for 32 critical diseases such as heart ailments, cancer, surgeries, etc.

  • Care Assure

    This is a fixed benefit plan that covers critical illnesses as well as personal accidental injuries. 

    Key Features 

    • 20 critical illnesses are covered under the policy and if you suffer from any of the covered illnesses, the sum insured would be paid in a lump sum
    • Coverage against accidental death and permanent total disablement is available
    • A lump sum 10% of the sum insured is paid as Child Education benefit in case of critical illness or accidental death or disablement
    • Free annual health check-ups are allowed under the plan
  • Arogya Sanjeevani Policy 

    This policy is a standardized health insurance policy which provides basic coverage at affordable premium rates.

    Key Features 

    • Coverage for cataract treatments is allowed for up to 25% of the sum insured
    • AYUSH treatments are covered up to the sum insured without any sub-limits
    • Coverage for listed modern treatments is available for up to 50% of the sum insured 
  • Corona Kavach Plan 

    This plan has been launched to cover hospitalisation and medical expenses incurred due to COVID.

    Key Features

    • This is a short term plan with coverage tenure less than a year
    • You get complete coverage for hospitalization expenses or home care treatments if you suffer from Coronavirus
    • No deductibles or room rent limits are applicable under the policy 
  • Care Advantage 

    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 

    • There is no sub-limit on ambulance costs
    • 10% of the sum insured is increased every year if there is no claim under the policy. The maximum increase allowed is 50%
    • A range of optional coverage features are available under the policy for allowing you the benefit of customizing your coverage as per your needs
  • COVID Care

    This is an indemnity health insurance policy which has been designed by the company especially for covering COVID related cases.

    Key Features 

    • There are two plan variants – Plus and Advantage 
    • Coverage for OPD expenses is allowed under the Advantage variant of the plan
    • Up to 1% of the sum insured per day can be claimed for medical expenses incurred during the quarantine
  • 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 –

    • Log into Turtlemint’s website at www.turtlemint.com
    • Enter your profile details like your name, age, etc.
    • Find the list of health plans of Religare which you can compare and then choose one
    • After selecting the policy, you can also check the coverage details
    • When you are satisfied with the policy’s coverage details, click ‘Buy Now’ tab and buy the policy
    • You would have to fill the online application form with details regarding the coverage required, medical history and your KYC information 
    • Pay the policy premium online through Turtlemint’s safe payment gateway. 
    • After the payment of the premium, the policy is issued. 

    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:

    • Intimate the customer support team (phone or email) within the specified timelines
    • Collect the pre-authorization form from the Hospital’s TPA or insurance desk and submit the filled form.
    • The in-house health team at Religare will evaluate the case details. On successful review and approval, the team will inform the hospital and the insured.

    For reimbursement claims, follow the below steps:

    • Reach out to the customer support team within the prescribed timelines.
    • The filled-in claim form needs to be sent along with the necessary documents to the Gurgaon Office.
      • ID Proof
      • Referral letter from doctor suggesting hospitalization
      • A prescription with the details of the medicines, diagnostic tests and consultations
      • Original bills and receipts (including pharmacy bills)
      • Hospital’s discharge card
      • Original reports (lab reports, diagnostic tests and radiology reports)
      • Indoor case papers
      • FIR and final police report (if it is applicable)
      • Post mortem report (if it is applicable)
      • Any other supporting documentation as required
    • The medical team at Religare will study the case details and update the insured about the progress of the claims.


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.