We believe in complete 'Care'
for you & your family
No one can assure you that you and your loved ones will always be in the pink of health. However you can rest assured that with Religare Health Insurance's Care, while you are unwell, your hospital bills and other related expenses will be taken care of. So you can be totally worry-free and focus on what's important –getting well.
IndusInd Bank brings to you this simple, comprehensive, rewarding and flexible health insurance policy that is designed exclusively for customers of our bank. It is carefully crafted to ensure a wide range of sum insured options, hassle free procedures and various other features that you will find immensely supportive when you need them the most.
RHI's Care leaves you worry free 'hamesha' with its industry best features:
Other key Benefits of RHI's Care
There's still lot more we have for you!
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If you ever exhaust your health cover due to claims made, we recharge the entire sum insured of your policy for you, in the same policy year. All this at no extra cost!
We believe that prevention is better than cure. So to pre-empts your ever having to visit a hospital, with this plan you can avail our comprehensive health check-ups for all adult members of your family covered by the policy, every year, irrespective of your claim history! Just call our call center anytime, to schedule your appointment. It's that simple.
If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours, we pay for everything, from room charges to operation theatre charges and more. We also pay for expenses incurred if you undergo 'Day Care Treatment' at a hospital that requires hospitalization for less than 24 hours. The treatment is available cashless at our 4100+ network hospitals and through reimbursement at other hospitals. Despite suffering from an illness/disease/injury (which would normally require care and treatment at a hospital), hospitalisation may not be possible - perhaps your state of health is such that you are in no condition to be moved to a hospital, or a room may not be available. Don't worry, we understand that and are happy to let you know that under 'Domiciliary hospitalisation', we will reimburse the medical expenses incurred by you during your treatment at home, as long as it involves medical treatment for a period exceeding 3 days and had actually merited hospitalisation.
We cover the medical expenses incurred by you even 30 days before your hospitalization. There may also be follow-up visits to your medical practitioner, medication that is required, etc. Accordingly, we cover the related medical expenses incurred by you after your hospitalization also, for a period of 60 days.
As far as we are concerned, it is your money - All our plans come without any cap on vital expenses like doctor/surgeon fees, operation theatre & allied charges, to name a few, subject to Sum Insured. Regarding room rent, you are entitled to Single Private Room in case of 5Lac and above plans(upgradable to next level room category in case of 15Lac and above plans).
Co-payment means the insured would have to pay a part of the claim amount. Generally, insurers levy 20% co-payment clause. But ALL of our plans are 'No Co-payment' plans for your entire life as long as the insured is less than 61 years old at the time of the 1st purchase of the policy. If you are more than 61 years of age at the time of the 1st purchase of the policy, you can still enjoy the no co-payment option if you choose Sum Insured 4 Lacs or below.
We understand that people do fall ill from time to time. Since we are here to service their health care requirement and that's precisely why we are here and that's why none of our plans have any 'claim-based loading' of premiums at the time of renewals.Whats more! Product 'Care' comes with Lifelong Renewability ensuring continued coverage irrespective of your age.
If you do not claim during the Policy Year, get an increase of 10% in your sum insured during the following year. And for every year that you enjoy un-interrupted good health, your bonus keeps building up, until it is 50% of your sum insured!
We like to reward good health. So for every policy year during which you do not need to claim your health insurance, you get a super bonus of 50% in your sum insured. Your bonus keeps building up until it reaches 100% of your sum insured! This is in addition to the No Claim Bonus you get with Care.This benefit is available as an add-on to the Care plan on payment of additional premium.
After purchasing your policy, if you find it unsuitable, you can cancel it. Our policy comes with a free look period of 15 days.
Care - Health insurance policy comes with a wide range of benefits for you. Kindly refer to the below table.
|Features (Sum Insured)||3 Lac, 4 Lac||5 Lac, 7 Lac, 10 Lac||15 Lac, 20 Lac, 25 Lac||50 Lac, 60 Lac|
|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 upto 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|
|No Claim Bonus||Yes||Yes||Yes||Yes|
|Auto-Recharge of Sum Insured||Yes||Yes||Yes||Yes|
The standard policy exclusions are -
For more details, kindly refer to our health insurance policy's detailed exclusion list.
|In case of emergency, please intimate us within 24 hours of hospitalisation.
If planned hospitalisation, intimate us 48 hours prior to your admission.
Request for Pre-Authorisation
Claim From Submission
|Complete the pre-authorisation form available at the hospital's insurance/TPA Desk and send us through email/fax. This form can also be downloaded from here.||Submission of claim from along with required documents, as per the policy terms & conditions The form can be downloaded form here.|
|To see list of network hospitals for cashless treatment or for further information please click here. You may also call us on 1800-200-4488 or write to us at email@example.com|
|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.
Everyone is exposed to various health hazards. If you don't have Health Insurance, you end up paying hefty medical bills from your own pocket, in the event of hospitalization due to illness or injury. Effectively, this means that your savings get depleted. Worse still, in case you do not have enough money for treatment at the time, you may have to borrow and incur a debt.
In such circumstances, health insurance comes to your rescue. It is a shield against expenses owing to unforeseen medical exigencies.Health insurance usually covers the cost of hospitalisation and related pre and post hospitalisation expenses, as specified in your policy.
This is whypurchasing adequate Health Insurance is a crucial part of your financial planning exercise.
An individual or family floater health insurance works on the principle of indemnity. This means that with a family floater, the insurance company will reimburse you only to the extent of what you have spent on medical treatment in a hospital. On the other hand, the critical illness or the hospital cash insurance pays you a pre-definedsum, irrespective of the amount spent on medical treatment. These are called 'benefit-based' policies.
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 claims, when they arise. It will also help us service you better.
The suitability of an individual cover or a floater depends upon your unique situation – your age, number of family members also included in the policy and their ages too, etc. However, as a thumb rule, at a younger age,a floater cover is advisable. As the insured grow older, individual cover may be preferable.
Unlike an individual policy, which covers a single person, a floater (Family Floater) plan offers insurance coverage to the entire family (husband, wife and children and perhaps even parents) under asingle policy. The overall limit on the policy applies to any individual covered. However, once a claim is filed, the overall limit stands reduced by the claim amount, for the year in reference.
Let's simplify this concept with an example. Suppose you insure yourself, your spouse and dependent children with individual insurance plans; each of these has a sum insured of Rs. 1 lakh. Accordingly, youmay end up paying a premium ranging between Rs. 1000 - Rs. 2000 for each family member. On the other hand, if you opt for a family floater plan, with a sum insured of Rs. 3 lakhs, the total premium would surely be less than the separate premium payments for individual health insurance plans.
Moreover, separate health planshave a cover of only Rs. 1 lakh each while the family floater offers a cover of Rs. 3 lakh to any of the family members that it covers. However, if one of the family members covered is hospitalised and claims an amount of Rs 2 lakh, the next family member to be hospitalised during the same year will have a cover of only Rs 1 lakh.
If you purchase a health insurance policy and do not file a claim during the year for which you are covered, you are eligible for a bonus during the following year, if you renew your policy. The quantum and specifics of this bonus differ from company to company.
In case of Religare Health Insurance's CARE, the policy sum insured increases by 10% during every claim-free year, with no change in the premium. So, a policy with a sum insured of Rs 5 lakh, will get an extended cover of Rs 50,000 in the following year, at the same premium. A claim-free third year will see the policyholder enjoying another 10% extra cover on his base sum insured, taking the total to Rs 6 lakh.
A maximum bonus of up to 50% of the base sum insured is permissible under this policy and in case of a claim, the accumulated bonus is reduced by 10%.
We will automatically recharge the sum insured (i.e. sum insured and any no claim bonus accumulated) in case it is exhausted during the policy year. This recharge is allowedonly once in a policy year and can be used for future claims by the insured but not against an illness/disease (including its complications) for which a claim has already been made during the on-going policy year.
However, in case of family floater plan, other insured members can use the recharged amount for any illness.
You may be required to undergo a medical check-up if you opt to buy a health insurance policy, incase you are above 45 years of ageor if the sum insured is Rs.15 lakhs or more. In most of the cases, the medical tests are done at your home, after taking an appointment from you and you are not required to make anyupfront payment for these tests. Incase the policy is issued, you will not be charged anything. However, if the policy is declined or cancelled, the medical charges will be deducted from your refundable premium amount. For further details, please refer to the prospectus or call 1860-500-4488.
We offer you a free look period during which you can review your policy terms and conditions at leisure. In case you are not satisfied with these, you can request us to cancel 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 the pre-policy health check-up, if any, and the stamp duty. The balance premium will be refunded to you.
You can also request us to cancel 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 lodged any claim with us before the cancellation, you will not be entitled to any refund of premium when the policy is cancelled.
Health Insurance companies initiate co-payment once the insured member turns a certain age. 'Co-pay' is that part of your claim amount, which you have to bear. It could be in percentage terms or an absolute amount. For example, in case of a co-pay of 20% and a claim of Rs. 10,000, the insurer will pay you Rs. 8,000 (80% of Rs10,000) and you will bear the remaining 20% (Rs. 2,000). Religare Health Insurance policieswith sum insured of 2,3 and 4 lakh have no co-payment clause.For policies with a sum insured of over Rs4 lakh, there is also no co-payment clause, if the insured has enrolledwith us before the age of 61.
To apply for CARE under portability, you will needthe following documents:
IndusInd Bank is a Corporate Agent of Religare Health Insurance Company Limited bearing License Number CMG 1749817 and its Registered Office is at 2401, Gen. Thimmayya Road, Pune - 411001. The insurance products are offered and underwritten by Religare Health Insurance Company Limited. Servicing of the policy and adjudication of claims is sole responsibility of Religare Health Insurance and IndusInd Bank cannot be held liable for the same.
*Tax Benefits under the policy will be as per the prevailing Income Tax laws and are subject to amendments from time to time. For tax related queries, contact your independent tax advisor.
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