Religare Health Insurance Plans – Comprehensive Plans to meet Your healthcare needs.


Religare – The most trusted health insurance brand in India with unmatched benefits. With Religare Health Insurance plans, you can live a healthy life without having to worry about any unforeseen medical issues. Religare Health Insurance plans 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; leave all the hassles related to your treatment to Religare so that you can stay worry free and focus only on your recovery.

Why should you buy Religare Health Insurance Plans:

  • With Religare, 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.

From Diagnosis to Recovery – Religare Health Insurance Plans covers at every step!

As we know that the meter doesn’t start from hospitalization but from the time of diagnosis and goes on even post discharge. Religare health insurance plans 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. Religare health insurance plans cover the medical expenses incurred by you up to 30 days before your hospitalization.

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Ambulance Cover

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

In-Patient Hospitalization

Hospitalization for at least 24 hours

From room charges to nursing expenses and intensive care unit charges, surgeon’s fee, doctor’s fee, anesthesia, blood, oxygen, operation theater charges, all are covered by Religare health insurance plans, If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours.

Hospitalization less than 24 Hours

Religare health insurance plans 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 they cover over 540+ day care procedures.

Room Rent

Reimbursement of every expense occurred while you’re staying in single or private room are covered by Religare health insurance plans. 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 your focus should be only on your recovery. Hence Religare health insurance plans 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 Religare don’t rest unless you’re completely ready to take all the challenges of life head on. Reimbursement is available for the 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, Religare health insurance plans 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

Religare believe in the old adage that an ounce of prevention is better than a pound of cure. This is why Religare health insurance plans 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, you can reset 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

Religare 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

Religare care about those who help you as much as they care for you. So, beyond ensuring that your medical needs are met, Religare health insurance plans 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 Religare.

No Upper Age Limit of Enrollment

All Religare health insurance 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

Religare don’t leave you in between the journey and gives you the 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 know 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 Religare health insurance plans will cover it up to a specified limit and varies according to the plan chosen.

Sample Religare Health insurance Plans are shown below for your better understanding:

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

For complete product details, kindly refer Prospectus and Sales Literature in the Download Section. Click here

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