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Overview

IndusInd Bank brings to you Religare Health Insurance's comprehensive insurance solutions, designed exclusively for privilege customers of our bank. With industry first features, wide range of sum insured options and hassle free procedures, you can be rest assured you will be totally worry free, always.

With us as your health insurer, it is truly Ab Health Hamesha!

Features & Benefits

Features & Benefits

Care' - Health Insurance Policy has unique features like -

  • Auto recharge of your policy sum insured, if exhausted
  • Get health check-ups for insured members, every year
  • Avail treatment anywhere in the world
  • No claim-based loading and no maximum-entry age limit
  • Cashless treatment and daily allowance
  • No paperwork required. Buy and get policy online
  • International medical consultation
  • Health risk assessment
  • Health helpline
Compare features

Care - Health insurance policy comes with a wide range of benefits for you.

Plan Options
Features (Sum Insured Rs.) 2 Lakh, 3 Lakh, 4 Lakh 5 Lakh, 7 Lakh, 10 Lakh 15 Lakh, 20 Lakh, 25 Lakh 50 Lakh, 60 Lakh
Pre-hospitalisation 30 days 30 days 30 days 30 days
Post-hospitalisation 60 days 60 days 60 days 60 days
Day Care Treatments Yes Yes Yes Yes
Room Rent 1% of SI per day Single Private Room Single Private Room
Upgradable to Next Level
Single Private Room
Upgradable to Next Level
ICU Charges 2% of SI per day No Limit No Limit No Limit
Doctor's Fee etc. No Limit No Limit No Limit No Limit
Other Medical Charges No Limit No Limit No Limit No Limit
Daily Allowance 500 per day up to 5 days - - -
Ambulance Cover Rs. 1,500 per claim Rs. 2,000 per claim Rs. 2,500 per claim Rs. 3,000 per claim
Domiciliary hospitalisation Up to 10% of SI Up to 10% of SI Up to 10% of SI Up to 10% of SI
Organ Donor Cover Rs. 50,000 Rs. 1,00,000 Rs. 2,00,000 Rs. 3,00,000
Annual Health Check-up Yes Yes Yes Yes
Second Opinion - Yes Yes Yes
No Claim Bonus Yes Yes Yes Yes
Auto-Recharge of Sum Insured Yes Yes Yes Yes
Care Anywhere - - - Yes
Exclusions

The standard policy exclusions are -

  • Any pre-existing ailment/injury that was diagnosed/received within 48 months prior to issuance of the first policy
  • Non-allopathic treatment
  • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
  • Cost of spectacles/contact lenses, dental treatment
  • 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 fertilisation
  • Please remember, there are some treatments such as non-infective arthritis, joint replacement etc., which are covered only after completion of 2 consecutive policy years

Plan Details

Auto Recharge of your sum insured

If due to claims made, you ever exhaust your health cover, we recharge the entire sum insured of your policy, in the policy year. All this at no extra cost!

Avail Health check-ups, every year

Our concern is your good health. To pre-empt your ever having to visit a hospital, you can avail our comprehensive health check-ups for yourself and adult members of your family covered by the policy, every year. Even if you make a claim with us!

Hospitalisation and Day Care treatment

If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours, we pay from room charges to operation theatre charges and more.

We also pay for your medical expenses if you undergo even a day care treatment at a hospital that requires hospitalisation for less than 24 hours - we cover a comprehensive range of 170 day care treatments, the highest in industry. You will also get cashless treatment at our over 2400 network hospitals and reimbursement in any other hospital of your choice.

Pre & Post hospitalisation

We cover the medical expenses incurred by you even before your hospitalisation. There may also be follow-up visits to your medical practitioner, medication that is required etc. We cover the related medical expenses incurred by you after your hospitalisation also.

Daily Allowance

This will help you take care of the incidental non-medical expenses (attendant meals, transportation etc.) incurred during hospital stay.

Avail treatment anywhere in the world

Our care knows no boundaries; literally. So, while we ensure you have access to the best healthcare services, we leave it to your discretion whether you would wish to avail certain specialized treatments in India or abroad and reimbursed as per policy. Available for sum insured of 50 and 60 lakh plans.

Lifelong Renewability

We will be there for your whole life. The Policy can be renewed lifelong under the then prevailing Health Insurance Product or its nearest substitute approved by IRDA.

Get No-Claim Bonus

If you do not have any occasion to claim in your health insurance policy in a particular year, get an increase of 10 per cent in your sum insured during the next year. And for every year that you enjoy un-interrupted good health, your bonus keeps building up, up to 50% of your sum insured! It's just our way to tell you that we're there with you in good times and in bad

Review your decision

After purchasing your policy, if you find it unsuitable, you can cancel the same with us. Our policy comes with a free look period of 15 days.

Other great benefits you also get are-

There's still lot more we have for you!
All our policies are eligible for claiming deduction for tax benefit under section 80D, Floater Cover, Ambulance expenses covered, Organ donor medical expenses covered, domiciliary hospitalisation covered, Increase your Policy's sum insured even later, 7.5% Discount on 2 year policy terms, online instant health insurance buy and more.

There's still lot more we have for you!
All our policies are eligible for claiming deduction for tax benefit under section 80D, Floater Cover, Second Opinion, Ambulance expenses covered, Organ donor medical expenses covered, Increase your Policy's sum insured even later, 7.5% discount on 2 year policy terms and more.

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 RDA.
Renewal premium Premium payable on renewal and on subsequent continuation of cover arc subject to change with prior approval from IRDA.
Co-payment (SI S Lakh & above) If you are 61 years old or more, you will have to pay 20% of the claim amount under the policy. 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

FAQs

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 hospitalisation 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 and uncertain environment. Therefore, insuring your family against health insurance is a must and 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 and 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 INR 1 lakh each, he ends up paying premium ranging between INR 1000 - INR 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 INR 3 lakh, 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 INR 1 lakh as against INR 3 lakh in case of the Floater Plan thus helping the family in case the medical treatment costs go beyond that. This 3 lakh 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 INR 5 lakh, will get an extended cover of INR 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 INR 6 lakh. A maximum bonus of up to 50 per cent is permissible.

In case of claim, the accumulated bonus is reduced by 20%.

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, in case any member to be insured is above 45 age or for sum insured 7 lakh or above. In most of the cases, the medical tests are done in your home, after taking appointment from you. 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 INR 10,000, we will pay you INR 8,000 (80% of 10K) and you will bear 20% (INR 2,000). In Religare Health Insurance policy there is No Co-payment ever, in policy Sum Insured 2/3/4 lakh. For sum unsured > 4, there will be no co-payment ever, if 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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