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Health Insurance

3 reasons you should have a Health Insurance

Rising cost of treatments

Medical treatments cost rise by 15% every year due to Inflation

Financial Security

Give you financial security & quality healthcare access for expenses like hospitalization, day care treatments and even OPD expenses

Tax Benefits

Saves you tax under Section 80D upto INR 55,000 every year

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Sum Insured ( Rs. In Lacs) :
10 Lacs Deductable of Rs.10,000



7.5% Discount
10% Discount
Your Premium is
Rs. For Care with unlimited recharge
Rs. Add No claim Bonus Super
Rs. For Care
Rs. For Care Global
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Our Philosophy

Life is about experiencing every good bit of it throughout one's lifetime; be it a walk in the park with your parents or building memories of playing with your little one. At Religare Health Insurance, we understand that these experiences can be truly rejoiced when one lives a healthy life without having to worry about any unforeseen medical issues.

Our Solutions

In line with our objective of ensuring good health…hamesha! Our Comprehensive Health Insurance Plan – 'Care'; helps safeguard you & your family against financial risks arising out of a medical emergency. With 'Care' by your side you can be assured that while you're unwell; we'll take up all the hassles related to your treatment so that you can stay worry free and focus only on your recovery.

Care Coverage:

A Comprehensive

Health Insurance Plan

to meet everyone's ( individual and family) healthcare needs.

In-Patient Care

Pre & Post Hospitalization

Individual & Floater Cover

Domiciliary Hospitalization

Daily Allowance

Ambulance Cover

Organ Donar Cover

Lifelong Renewability

Annual Health-Checkup

No Claim Bonus

Second Opinion

Tax Benifit

From Diagnosis to Recovery - "Care" at every step!

We understand that the meter doesn't start from hospitalization but from the time of diagnosis and goes on even post discharge. We stand with you throughout the journey and not just for an event.

30 Day Pre-Hospitalization Coverage

The procedures that you undergo before getting hospitalized finally lead you to a hospital, such as investigative tests and routine medication, can be quite financially draining. We cover the medical expenses incurred by you up to 30 days before your hospitalization.

Ambulance Cover

It's our utmost concern that you get the medical attention, you require as soon as possible, especially in an emergency. Which is why, we reimburse expenses incurred by you while availing a domestic road ambulance during your hospitalization. Not just this, some plans of our product care also offers coverage for availing an Air Ambulance if suggested by a doctor.

In-Patient Hospitalization

Hospitalization for at least 24 hours

We pay for – room charges, nursing expenses and intensive care unit charges, surgeon's fee, doctor's fee, anesthesia, blood, oxygen, operation theater charges, etc.; If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours.

Hospitalization less than 24 Hours

We cover medical expenses if you undergo a day care treatment which might not require you to stay hospitalized for 24 hours or more. As a matter of fact we cover over 540+ day care procedures.

Room Rent

We reimburse every expense occurred while you're staying in single or private room. You can also upgrade your room should there be a need to and is recommended by a treating doctor.

ICU Charges:

In time of an emergency we believe your focus should be only on your recovery. Hence we take care of those ICU charges that come in your way of getting a quality treatment.

60-Day Post – Hospitalization Coverage

Expenses don't end once you're discharged which is why even we don't rest unless you're completely ready to take all the challenges of life head on. We reimburse expenses such as doctor consultations,Diagnostic tests, medications etc that you incur up to 60 days post your hospitalization.

Domiciliary Hospitalization

In case of an emergency or a medical condition that does not allow you to get admitted in a hospital, we provide coverage for medical expenses incurred during your treatment at home for a period exceeding 3 consecutive days. So nothing should delay the treatment you deserve.

Annual Health Check-up

We believe in the old adage that an ounce of prevention is better than a pound of cure. This is why we give an Annual Health Check-up for yourself and all members covered by your policy, including children.

Automatic Recharge of Sum Insured

Keep your worries regarding medical expenses outside the door with Automatic Recharge of Sum insured. If you ever run out of your health cover due to claims made, we will reinstate the entire Sum Insured amount of your policy. This additional amount can be used by you for any other ailment or by any other insured member for treatment of any ailment.

No-Claim Bonus

We raise a cheer to good health for every year that you don't claim by increasing your Sum Insured by 10%, up to a maximum of 50% in consecutive 5 years.

Organ Donor Cover

We care about those who help you as much as we care for you. So, beyond ensuring that your medical needs are met, we will reimburse you for medical expenses that are incurred by an organ donor while undergoing the organ transplant surgery.

Reassurance of Second Opinion

Sometimes reassurance works better than the cure itself. Which is why if, at any moment you feel uncertain about your diagnosis, you can opt for a second opinion at no extra cost specially arranged by us.

No Upper Age Limit of Enrollment

All our plans including 'care', come with no upper age limit of enrollment i.e. even if a person is 100 years old, they can definitely apply.

Lifelong Renewability

We don't leave you in between the journey and honor our commitment by giving our customers option of lifelong renewability i.e. once enrolled an individual can continue to stay covered throughout one's life, provided they renew their policy on time every year.

Even alternate treatments are covered

We understand that sometimes non-allopathic treatments may prove to be more effective. Whether it is Ayurveda, Unani, Sidha or Homeopathy, choose the treatment that suits you and we will cover it up to a specified limit and varies according to the plan chosen.

Add On Covers

No Claim Bonus Super

By choosing an optional cover – NCB Super – you can further increase your sum insured amount by 50% for every claim free year up to a maximum of 100%. Hence – in total with both NCB & NCB Super one can increase their sum insured up to 150% in 5 years. Help me understand working of NCB & NCB – Super!

Everyday Care

Your family may avoid hospitalization for many years at a stretch. However, you have to be really fortunate to avoid doctor consultation for even a few months. For all the visits for all routine visits to the hospital - we give you 1% of your Sum Insured for doctor consultation & diagnostic tests each. This can be availed via a cashless health card and additional premium paid to avail this add- on cover is also applicable for tax benefit under section 80D of IT act.

Health Insurance India

Unlimited Automatic Recharge

There should never be a time when you run out of coverage, which is why by selecting this add – on cover your sum insured amount if re-instated in your policy every time your sum insured exhausts. And this can be availed unlimited number of times.

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Air Ambulance Cover

The right cure may be miles away but never out of your reach with Air Ambulance Cover. For all those times when you might be recommended a treatment which is not in your city of stay.

Best Health Insurance

Personal Accident Cover

Forget the hassles of maintaining two separate policies, one for a health insurance cover & second for personal accident cover. By selecting this add- on cover you get coverage for Accidental Death and Permanent Total Disability for up to 10 times of the Sum Insured opted.

International Second Opinion

We believe that sometimes reassurance works better than the cure itself. Hence before going ahead with the treatment recommended, we give you an option to consult doctors and take a second opinion.

Global Coverage

Quality Healthcare cannot have boundaries. So if you ever feel the need get treated at an overseas facility, rest assured, since with this add-on cover you get Global Coverage that too on a cashless basis across listed network hospitals.

Plan Details

Super Saver

Care 2 ( 2 Lac )
Care 3 ( 3 Lac & 4 Lac )


Care 4 (5,7,10 Lacs)

Elite Plus

Care 5 (15,20,25,30,40 Lacs)


Care 6 (50,60,75 Lacs)

Global Plus

Care 7 (1,2,3,6 Cr)

Features/ Plan (SI) Care 2 ( 2 Lac ) Care 3 ( 3 Lac & 4 Lac )
Super Saver
Care 4 (5,7,10 Lacs)
Deductible in policy period Yes, Rs.10,000 No deductible
In patient hospitalization Upto Sum Insured Upto Sum Insured
Pre-hospitalization 30 days 30 days
Post-hospitalization 60 days 60 days
Day Care Treatments Yes Yes
Room Rent 1% of SI per day Single Private Room
ICU charges 2% of SI per day No Sub-Limit
Ambulance Cover Rs.1,500/ hospitalization Rs.2,000/ hospitalization
Daily Allowance Rs.500/ day upto 5 days -
Domicilliary hospitalization Upto 10% of SI Upto 10% of SI
Health Check-up Yes, all members Yes, all members
Recharge of SI Yes Yes
No Claim Bonus Yes Yes
Organ Donor Cover Rs.50,000 Rs.100,000
Second opinion Yes Yes
Alternative Treatments Upto 15,000 Upto 20,000
Features/ Plan (SI) Care 4 (5,7,10 Lacs)
Care 5 (15,20,25,30,40 Lacs)
Elite Plus
In patient hospitalization Upto Sum Insured Upto Sum Insured
Pre-hospitalization 30 days 30 days
Post-hospitalization 60 days 60 days
Day Care Treatments Yes Yes
Room Rent Single Private Room Single Private Room
(upgradable to next level)
ICU charges No Sub-Limit No Limit
Ambulance Cover Rs.2,000/ hospitalization Rs.2,500/ hospitalization
Domicilliary hospitalization Upto 10% of SI Upto 10% of SI
Health Check-up Yes, all members Yes, all members
Recharge of SI Yes Yes
No Claim Bonus Yes Yes
Organ Donor Cover Rs.100,000 Rs.200,000
Second opinion Yes Yes
Alternative Treatments Upto Rs.20,000 Upto Rs.30,000
Features/ Plan (SI) Care 5 (15,20,25,30,40 Lacs)
Elite Plus
Care 6 (50,60,75 Lacs)
In patient hospitalization Upto Sum Insured Upto Sum Insured
Pre-hospitalization 30 days 30 days
Post-hospitalization 60 days 60 days
Day Care Treatments Yes Yes
Room Rent Single Private Room
(upgradable to next level)
Single Private Room
(upgradable to next level)
ICU charges No Limit No Limit
Ambulance Cover Rs.2,500/ hospitalization Rs.3,000/ hospitalization
Domicilliary hospitalization Upto 10% of SI Upto 10% of SI
Health Check-up Yes, all members Yes, all members
Recharge of SI Yes Yes
No Claim Bonus Yes Yes
Organ Donor Cover Rs.200,000 Rs.300,000
Second opinion Yes Yes
Alternative Treatments Upto Rs.30,000 Upto Rs.40,000
Care Anywhere - Yes
Maternity Cover - Upto 100,000
Features/ Plan (SI) Care 6 (50,60,75 Lacs)
Care 7 (1,2,3,6 Cr)
Global Plus
In patient hospitalization Upto SI Upto SI
Pre-hospitalization Upto SI ,30 days Upto SI , 30 days
Post-hospitalization Upto SI ,60 days Upto SI , 60 days
Day Care Treatments Upto SI Upto SI
Room Rent Single Private Room
(upgradable to next level)
Single Private Room
(upgradable to next level)
ICU charges No Limit
Ambulance Cover Rs.3,000/ hospitalization Rs.3,000/ hospitalization
Domicilliary hospitalization Upto 10% of SI Upto 10% of SI
Health Check-up Yes, all members Yes, all members
Recharge of SI Yes, Up to SI (Once in a Policy Year) Yes, Up to SI (Once in a Policy Year)
No Claim Bonus Yes Yes
Organ Donor Cover Rs.300,000 Rs.500,000
Second opinion Yes Yes
Alternative Treatments Upto Rs.40,000 Upto Rs.50,000
Care Anywhere Yes Yes
Maternity Cover Upto 100,000 Upto 200,000
Vaccination Cover Yes, Upto Rs. 10,000
Global Coverage: (excluding USA) Coverage outside India & USA - 45 continuous days in a single trip; Max. 90 days on a cumulative basis, in a Policy Year Up to SI for Hospitalization Expenses & up to the limit specified under `Maternity Cover` towards Maternity expenses; With a 10% co-payment per Claim
Special Add on cover:
Global Coverage - Total Geographical scope of Benefit `Global Coverage (excluding USA)` is extended to USA also Up to SI for Hospitalization Expenses & up to the limit specified under `Maternity Cover` towards Maternity expenses; With a 10% co-payment per Claim

Why should you buy Care:

  • With Care, you get following Key USPs which are not available anywhere else.
  • Annual Health Check-up for all members covered under the policy.
  • Up to 150% No Claim Bonus with NCB Super.
  • Unique Unlimited Automatic recharge.
  • Care anywhere – Global Cover for 12 Critical Illnesses.
  • Care is available with different riders, hence ability to fit your needs.

Policy Terms

Policy Terms
Minimum entry age 91 days
Maximum age No age bar
Renewal Lifelong Renewability. The Policy can be renewed under the then prevailing
Health Insurance Product or its nearest substitute approved by IRDA.
Renewal premium Premium payable on renewal and on subsequent continuation of cover arc subject to change with prior approval from IRDA.
Co-payment No Co-payment in policy Sum Insured 3/4 Lacs, for any age.
No Co-payment in policy Sum Insured > 4 lacs ever, if insured with us before age of 61. If above 61 while getting insured with us 1st time, - you will have to pay 20% of the claim amount under the policy, if any. We pay the rest.
Waiting period 30 days for any illness except injury
Waiting period for pre-existing illnesses Four years of continuous coverage
Change in sum insured You can enhance your sum insured under the policy only upon renewal
Grace period 30 days from the date of expiry to renew the policy
For more details, kindly refer to our health insurance Policy's Terms & Conditions.

Plans Exclusion

The standard policy exclusions are - 
  • Any diagnosis of diseases / undergoing of surgery / occurrence of event, whose signs or symptoms first occur within 30 days of Policy Period Start date.
  • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
  • Medical expenses incurred for treatment of AIDS
  • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
  • Congenital disease
  • Tests and treatment relating to infertility and in vitro fertilization.
  • War, riot, strike, nuclear weapons induced hospitalization.
For more details, kindly refer to our health insurance policy's detailed exclusion list.

Claim Processing

Claim Servicing & Deriving Best Customer Experience


Vast & growing hospital network for cashless claims

Lacs +

Count of claims Services
In-house settlement for better management
Delivering Industry best settlement Ratio
Less Grievance Ratio per 10,000 claims

Process for Hospitalization

Process for Everyday Care

Review & Rating

Average Rating
Aarna Chaudhary

It is good that Religare provides free annual health check-ups for my whole family. Claim settlement is also very simple. Really happy to be associated with Religare.


Religare Health Insurance has wide network of leading hospitals. Also my mother was treated abroad even though I held the policy in India. I am really happy with Religare's customer friendly approach.

Urvashi Mathur

Bit happy with the services of Religare Health Insurance as they are very prompt and helpful while settling claims and upgrades.

Alok Bagga

Thank you Religare health insurance for making the insurance choosing procedure easy and feasible. I can't ask for more.

Rahul Kumar

After a waiting period of 4 years, my policy started covering my existing illness too and that came as a huge relief. Religare kept their promise.

Noore Firdous

Great to have life long renew option. I have been able to renew the plan without any age restriction, also health coverage is valid for lifetime.

Ishani Purohit

Buying insurance from Religare Health Insurance was a nice experience as they have provided security for the future of my family.

Ayesha Tomar

Extremely happy and satisfied with the quick settlement of my health insurance claim with Religare Health Insurance.


Why do I need health insurance?
Everyone is exposed to various health hazards. If you don’t have Health Insurance, you end up paying hefty medical bills in the event of hospitalization out of illness or injury from your own pockets. Effectively, this means that your savings would become nil. Or in case your do not have enough money for treatment; you may have to borrow and incur a debt for medical treatment.

In such circumstances, health insurance comes to your rescue. It is a means to shield you against unforeseen financial medical urgency due to illness of injury.

Health insurance covers the cost of private medical treatment for illness and injury that is curable.

Health insurance is necessary owing to increasing medical costs these days & uncertain environment.Therefore, insuring your family against Health Insurance is a must & should surely be a part of your regular financial planning.
What is the difference between a family floater and critical illness or hospital cash insurance?
The individual or family floater health insurance works on the principle of indemnity. This means that these insurance policies will pay you only what you have spent for medical treatment in hospital. On the other hand, the critical illness or the hospital cash insurance pays you the amount insured, irrespective of the amount spent for medical treatment. These are a benefit based policies.
How would I benefit by buying health insurance at a young age?
  • Health insurance premium tends to increase with age - more the age, higher the premium.
  • You can be covered for medical conditions that may be diagnosed over the years provided there is no break in the policy.
  • In addition, each 'no claim’ year would fetch you a discount on your premium or an increase in your sum insured amount at no extra cost. The treatment in case of ‘no-claim’ bonus varies from company to company.
  • Lastly, income tax benefit under Section 80 D of the Income Tax Act.
Why is it necessary for me to disclose my current health status correctly and accurately while I buy a health insurance policy?
Insurance is a contract of utmost good faith. It always pays to be honest. Declaring the correct and accurate health status at the time of buying health insurance ensures smooth processing of your application. This will also help us service you in a better manner.
What is beneficial for me - floater insurance or an individual insurance?
Buying an individual cover or a floater cover is an individual’s perception. However, as a general rule, at younger ages floater cover is advisable. As you grow older, you should go for an individual cover.
How does a Floater cover work?
For instance a person wants a health insurance for himself, his spouse & their children, the Family Floater plan offers insurance coverage to the entire family under one premium payment. Let’s take an example wherein the person insures himself, his spouse & the dependent children with the individual insurance plans with a sum insured of Rs. 1 lakh each, he ends up paying premium ranging between Rs. 1000 - Rs. 2000 for each family member. On the other hand if the person would have opted for the family floater plan with the sum insured of Rs. 3 lakhs, the total premium would surely be less than the separate premium payments in individual health insurance plans. Moreover the separate health plan holds the cover of only Rs. 1 lakh as against Rs. 3 lakh in case of the Floater plan thus helping the family in case the medical treatment costs go beyond that. This Rs. 3 Lac is available for each of the family members individually as well as collectively.
What is a No Claim Bonus?
This concept works on the same lines as the no-claim bonus on your car insurance. A Policyholder, who hasn’t made any claim in a year, can use the bonus to their benefit the following year.

Similarly, CARE offers a 10% increase in the policy sum insured for every claim-free year, with no change in premium. So, a policy with a sum insured of Rs 5 lakh, will get an extended cover of Rs 50,000 the following year at the same premium. A claim-free third year will see him earning another ten per cent extra cover on his base sum insured, taking the total to Rs 6 lakh. A maximum bonus of up to 50 per cent is permissible.

In case of claim, the accumulated bonus is reduced by 10%.
How does the Auto recharge work?
We will automatically recharge the sum insured, in case the sum insured and any no claim bonus accumulated is exhausted during the policy year. The sum insured will be recharged once in a policy year. Recharge Sum Insured can be used for future claims and not against an illness/disease (including its complications) for which a claim has already been made in the current policy year.
Do I need to undergo a medical check-up while buying a health insurance policy?
You may be required to undergo a medical check-up after you buy, incase any member to be insured is above 45 age or for  sum insured Rs. 15 Lakhs or above. In most of the cases, the medical tests are done in your home, after taking appointment from you. No payment is required upfront for the same. Incase the policy is issued, you will not be charged anything. However, if the policy is declined/Canceled, medical charges will be deducted from the refundable premium amount. This will enable us a better understanding of your current and future health requirements. For further details, please refer to the prospectus or call 1800-200-4488 (Toll free).
How do I cancel my health insurance policy?
We offer a free look period to review your policy terms and conditions. In case you are not satisfied with these, you can request for cancellation of your policy during this period. You will be charged the pro-rated premium for the period during which your policy was in-force, the cost of pre-policy health check-up, if any, and the stamp duty. The balance premium would be refunded.

Also, you can request for cancellation of your policy at any time during the policy period. You will be refunded the premium amount as per the short scale grid. The grid is available in your Policy Terms and Conditions. However, in case you have reported any claim with us, you will not be entitled to any refund of premium on cancellation of the policy.
What is Co-payment?
Health Insurance companies use Co-Payment after insured member turns a certain age. Co-pay is that part of your claim amount, which you have to bear. Co-pay can be in % terms or an absolute amount. For example, in case of co-pay of 20% and claim of Rs. 10,000, we will pay you Rs. 8,000 (80% of 10K) and you will bear 20% (Rs. 2,000). In Religare Health Insurance policy given on the website, there is no co-payment in policy Sum Insured Rs. 2/3/4 Lacs for age less than 61 years, but there is a deductible of Rs 10,000 on claim amount during the policy tenure of 1 year. For all Sum Insured, there will be no co-payment, if you are insured with us before age of 61.
What are the documents required for portability?
You can apply for CARE under portability with following documents:
  • CARE proposal form
  • Portability form
  • Copy of expiring health insurance policy
  • Copy of renewal notice

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Why Religare?

Religare Health Insurance (RHI), is a specialized Health Insurer offering health insurance products to employees of corporates, individual customers and financial inclusion. Launched in July’12, Religare Health Insurance has made significant progress within a short span of time,
and is already operating out of 61 offices with employee strength of 2200+.


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