religare1

review Religare Health Insurance

Religare Health Insurance is a private health insurance arm of Religare Enterprises Limited, it is a specialized health insurer providing health insurance services to individuals, corporate employees and for financial inclusion.Religare Health Insurance provides the following health insurance plans.

  • Care 3
  • Care 4
  • Care 5
  • Care 6
  • Care 7
  • Compare

Sum Insured Available:

  • 4.0 lacs
sum insured

Inpatient Hospitalisation (Room rent limit):

  • 1% of sum insured per day
  • 2% of sum insured for ICU charges
inpatient-hospitalization
pre-hospitalisation medical expenses

Post-hospitalisation medical expenses:

  • Covered up to 30 days before date of hospitalisation
pre-hospitalisation medical expenses

Post-hospitalisation medical expenses

  • Covered up to 60 days post discharge from hospital​

Day Care Treatment

  • Covered up to the limit of sum insured
Day Care Treatment

Domiciliary Treatment (Treatment at Home)

  • Covered up to 10% of sum insured
Domiciliary Treatment
Ambulance Cover

Ambulance Cover

  • Rs 1500 paid per hospitalisation event
Daily Allowance

Daily Allowance

  • Rs 500 per day up to 5 days

Health Check-up

  • Yes, annually

Health Check-up

Donor Expenses(Hospitalisation expenses of the person providing organ)

  • Rs 50,000
Donor Expenses
sum insured

Restoration of Sum insured (existing sum insured is exhausted due to claims)

  • Up to sum insured once in a policy year.
No Claim Bonus

No Claim Bonus

  • 10% increase in sum insured per year in case of no claim-free year. Max up to 50% of sum insured.

Alternative Treatments

  • Up to Rs 15,000.
Alternative Treatments

Second Opinion

  • Once per major illness / injury per policy year
second opinionjpg
​​ ​maternity expenses

​Maternity Expenses

  • Not available
vaccination baby

First Year Vaccinations

  • Not available

Waiting Period for Specific Diseases

  • 24 months
waiting period for specific diseases

Waiting period for pre-existing diseases

  • 48 months 
waiting period for specific diseases

Sum Insured Available:

  • 5.0 lacs To 10 lacs
sum insured

Inpatient Hospitalisation (Room rent limit):

  • Single Private Room
  • No limit on ICU charges
inpatient-hospitalization
pre-hospitalisation medical expenses

Post-hospitalisation medical expenses:

  • Covered up to 30 days before date of hospitalisation
pre-hospitalisation medical expenses

Post-hospitalisation medical expenses

  • Covered up to 60 days post discharge from hospital​

Day Care Treatment

  • Covered up to the limit of sum insured
Day Care Treatment

Domiciliary Treatment (Treatment at Home)

  • Covered up to 10% of sum insured
Domiciliary Treatment
Ambulance Cover

Ambulance Cover

  • Rs 2000 paid per hospitalisation event
Daily Allowance

Daily Allowance

  • Rs 500 per day up to 5 days

Health Check-up

  • Yes, annually

Health Check-up

Donor Expenses(Hospitalisation expenses of the person providing organ)

  • Rs 1,00,000
Donor Expenses
sum insured

Restoration of Sum insured (existing sum insured is exhausted due to claims)

  • Up to sum insured once in a policy year.
No Claim Bonus

No Claim Bonus

  • 10% increase in sum insured per year in case of no claim-free year. Max up to 50% of sum insured.

Alternative Treatments

  • Up to Rs 20,000.
Alternative Treatments

Second Opinion

  • Once per major illness / injury per policy year
second opinionjpg
​​ ​maternity expenses

​Maternity Expenses

  • Not available
vaccination baby

First Year Vaccinations

  • Not available

Waiting Period for Specific Diseases

  • 24 months
waiting period for specific diseases

Waiting period for pre-existing diseases

  • 48 months 
waiting period for specific diseases

Sum Insured Available:

  • 15.0 lacs To 40.0 lacs
sum insured

Inpatient Hospitalisation (Room rent limit):

  • Single Private Room upgradable to next level
  • No limit on ICU charges
inpatient-hospitalization
pre-hospitalisation medical expenses

Post-hospitalisation medical expenses:

  • Covered up to 30 days before date of hospitalisation
pre-hospitalisation medical expenses

Post-hospitalisation medical expenses

  • Covered up to 60 days post discharge from hospital​

Day Care Treatment

  • Covered up to the limit of sum insured
Day Care Treatment

Domiciliary Treatment (Treatment at Home)

  • Covered up to 10% of sum insured
Domiciliary Treatment
Ambulance Cover

Ambulance Cover

  • Rs 2500 paid per hospitalisation event
Daily Allowance

Daily Allowance

  • Rs 500 per day up to 5 days

Health Check-up

  • Yes, annually

Health Check-up

Donor Expenses(Hospitalisation expenses of the person providing organ)

  • Rs 2,00,000
Donor Expenses
sum insured

Restoration of Sum insured (existing sum insured is exhausted due to claims)

  • Up to sum insured once in a policy year.
No Claim Bonus

No Claim Bonus

  • 10% increase in sum insured per year in case of no claim-free year. Max up to 50% of sum insured.

Alternative Treatments

  • Up to Rs 30,000.
Alternative Treatments

Second Opinion

  • Once per major illness / injury per policy year
second opinionjpg
​​ ​maternity expenses

​Maternity Expenses

  • Not available
vaccination baby

First Year Vaccinations

  • Not available

Waiting Period for Specific Diseases

  • 24 months
waiting period for specific diseases

Waiting period for pre-existing diseases

  • 48 months 
waiting period for specific diseases

Sum Insured Available:

  • 50.0 lacs To 75.0 lacs
sum insured

Inpatient Hospitalisation (Room rent limit):

  • Single Private Room upgradable to next level
  • No limit on ICU charges
inpatient-hospitalization
pre-hospitalisation medical expenses

Post-hospitalisation medical expenses:

  • Covered up to 30 days before date of hospitalisation
pre-hospitalisation medical expenses

Post-hospitalisation medical expenses

  • Covered up to 60 days post discharge from hospital​

Day Care Treatment

  • Covered up to the limit of sum insured
Day Care Treatment

Domiciliary Treatment (Treatment at Home)

  • Covered up to 10% of sum insured
Domiciliary Treatment
Ambulance Cover

Ambulance Cover

  • Rs 3000 paid per hospitalisation event
Daily Allowance

Daily Allowance

  • Rs 500 per day up to 5 days

Health Check-up

  • Yes, annually

Health Check-up

Donor Expenses(Hospitalisation expenses of the person providing organ)

  • Rs 3,00,000
Donor Expenses
sum insured

Restoration of Sum insured (existing sum insured is exhausted due to claims)

  • Up to sum insured once in a policy year.
No Claim Bonus

No Claim Bonus

  • 10% increase in sum insured per year in case of no claim-free year. Max up to 50% of sum insured.

Alternative Treatments

  • Up to Rs 40,000.
Alternative Treatments

Second Opinion

  • Once per major illness / injury per policy year
second opinionjpg
​​ ​maternity expenses

​Maternity Expenses

  • Available up to 1,00,000 but only under Floater cover type with a wait period of 24 months
vaccination baby

First Year Vaccinations

  • Not available

Waiting Period for Specific Diseases

  • 24 months
waiting period for specific diseases

Waiting period for pre-existing diseases

  • 48 months 
waiting period for specific diseases

Sum Insured Available:

  • 1.0 Cr To 6.0 Cr
sum insured

Inpatient Hospitalisation (Room rent limit):

  • Single Private Room upgradable to next level
  • No limit on ICU charges
inpatient-hospitalization
pre-hospitalisation medical expenses

Post-hospitalisation medical expenses:

  • Covered up to 30 days before date of hospitalisation
pre-hospitalisation medical expenses

Post-hospitalisation medical expenses

  • Covered up to 60 days post discharge from hospital​

Day Care Treatment

  • Covered up to the limit of sum insured
Day Care Treatment

Domiciliary Treatment (Treatment at Home)

  • Covered up to 10% of sum insured
Domiciliary Treatment
Ambulance Cover

Ambulance Cover

  • Rs 3000 paid per hospitalisation event
Daily Allowance

Daily Allowance

  • Rs 500 per day up to 5 days

Health Check-up

  • Yes, annually

Health Check-up

Donor Expenses(Hospitalisation expenses of the person providing organ)

  • Rs 5,00,000
Donor Expenses
sum insured

Restoration of Sum insured (existing sum insured is exhausted due to claims)

  • Up to sum insured once in a policy year.
No Claim Bonus

No Claim Bonus

  • 10% increase in sum insured per year in case of no claim-free year. Max up to 50% of sum insured.

Alternative Treatments

  • Up to Rs 50,000.
Alternative Treatments

Second Opinion

  • Once per major illness / injury per policy year
second opinionjpg
​​ ​maternity expenses

​Maternity Expenses

  • Available up to 2,00,000 but only under Floater cover type with a wait period of 24 months
vaccination baby

First Year Vaccinations

  • Available up to Rs 10,000

Waiting Period for Specific Diseases

  • 24 months
waiting period for specific diseases

Waiting period for pre-existing diseases

  • 48 months 
waiting period for specific diseases
Features
Care 3
Care 4
Care 5
Care 6
Care 7
Sum Insured (lacs)
4.0
5.0
7.0
10.0

15.0
20.0
25.0
30.0
40.0

50.0
60.0
75.0

100
200
300
600
Pre-hospitalisation period 30 days 30 days 30 days 30 days 30 days
Post-hospitalisation period 60 days 60 days 60 days 60 days 60 days
Day care treatment 541 treatments available up to sum insured 541 treatments available up to sum insured 541 treatments available up to sum insured 541 treatments available up to sum insured 541 treatments available up to sum insured
Room Rent 1% of Sum Insured per day Single Private Room Single Private Room (upgradable to next level) Single Private Room (upgradable to next level) Single Private Room (upgradable to next level)
ICU Charges 2% of Sum Insured per day No Limit No Limit No Limit No Limit
Ambulance Cover (Reimbursement of Ambulance expenses) Up to Rs 1500 per hospitalisation event Up to Rs 2000 per hospitalisation event Up to Rs 2,500 per hospitalisation event Up to Rs 3,000 per hospitalisation event Up to Rs 3,000 per hospitalisation event
Domiciliary hospitalisation Upto 10% of Sum Insured Upto 10% of Sum Insured Upto 10% of Sum Insured Upto 10% of Sum Insured Upto 10% of Sum Insured
Health Check-up Once in a policy year Once in a policy year Once in a policy year Once in a policy year Once in a policy year
Restoration (Recharge) of sum insured (when opted sum insured is insufficient due to claims) Up to Sum Insured once in a policy year Up to Sum Insured once in a policy year Up to Sum Insured once in a policy year Up to Sum Insured once in a policy year Up to Sum Insured once in a policy year
No Claim Bonus 10% increase in sum insured per year in case of no claim-free year. Max up to 50% of sum insured 10% increase in sum insured per year in case of no claim-free year. Max up to 50% of sum insured 10% increase in sum insured per year in case of no claim-free year. Max up to 50% of sum insured 10% increase in sum insured per year in case of no claim-free year. Max up to 50% of sum insured 10% increase in sum insured per year in case of no claim-free year. Max up to 50% of sum insured
Organ Donor Cover Rs.50,000 Rs.1,00,000 Rs.2,00,000 Rs.3,00,000 Rs.5,00,000
Second (Expert) opinion Once for each Major illness / Injury per policy year Once for each Major illness / Injury per policy year Once for each Major illness / Injury per policy year Once for each Major illness / Injury per policy year Once for each Major illness / Injury per policy year
Alternative Treatments Up to Rs 15,000 Up to Rs 20,000 Up to Rs 30,000 Up to Rs 40,000 Up to Rs 50,000
Care Anywhere (Treatment Outside India) Not Available Not Available Not Available Up to Sum Insured Up to Sum Insured
Maternity Cover Not Available Not Available Not Available Up to Rs 1,00,000 Up to Rs 2,00,000
Vaccination Cover Not Available Not Available Not Available Not Available Up to Rs. 10,000
Global Coverage: (excluding USA) Not Available Not Available Not Available Not Available Up to SI for Hospitalization Expenses & up to the limit specified under `Maternity Cover` towards Maternity expenses; With a 10% co-payment per Claim

Sum Insured Available:

  • 4.0 lacs
sum insured

Inpatient Hospitalisation (Room rent limit):

  • 1% of sum insured per day
  • 2% of sum insured for ICU charges
inpatient-hospitalization
pre-hospitalisation medical expenses

Post-hospitalisation medical expenses:

  • Covered up to 30 days before date of hospitalisation
pre-hospitalisation medical expenses

Post-hospitalisation medical expenses

  • Covered up to 60 days post discharge from hospital​

Day Care Treatment

  • Covered up to the limit of sum insured
Day Care Treatment

Domiciliary Treatment (Treatment at Home)

  • Covered up to 10% of sum insured
Domiciliary Treatment
Ambulance Cover

Ambulance Cover

  • Rs 1500 paid per hospitalisation event
Daily Allowance

Daily Allowance

  • Rs 500 per day up to 5 days

Health Check-up

  • Yes, annually

Health Check-up

Donor Expenses(Hospitalisation expenses of the person providing organ)

  • Rs 50,000
Donor Expenses
sum insured

Restoration of Sum insured (existing sum insured is exhausted due to claims)

  • Up to sum insured once in a policy year.
No Claim Bonus

No Claim Bonus

  • 10% increase in sum insured per year in case of no claim-free year. Max up to 50% of sum insured.

Alternative Treatments

  • Up to Rs 15,000.
Alternative Treatments

Second Opinion

  • Once per major illness / injury per policy year
second opinionjpg
​​ ​maternity expenses

​Maternity Expenses

  • Not available
vaccination baby

First Year Vaccinations

  • Not available

Waiting Period for Specific Diseases

  • 24 months
waiting period for specific diseases

Waiting period for pre-existing diseases

  • 48 months 
waiting period for specific diseases

About Happoos

We love our families and want to do the best for them. The decisions we make and the actions we take have the needs and the interest of the family at its core. One of the best decisions you can take for your family is to invest in a health insurance policy.