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Enhanced Health Coverage

Get enhanced coverage

for greater protection!

When ill-health strikes you or your loved ones, it’s only natural to want the best facilities and treatment that money can buy.

But do you worry about being able to afford the best? Do you feel unsure about your current health insurance cover being adequate? Are you concerned that although you have created a contingency fund for such eventualities, it may not be enough? Wouldn’t you like to be reassured that irrespective of how much you can currently afford, you could stretch the limit still further?

That’s exactly the assurance that Religare Health Insurance’s Enhance offers you. Brought to you by IndusInd Bank, this product is a Super Top-up Health Insurance plan that offers you an extra safety net of coverage at a significantly lower premium than any basic insurance plan.

RHI’s Enhance leaves you worry free ‘hamesha’ with its industry best features:

  • Cashless treatment at more than 4100 hospitals.
  • Health check-ups for adult insured members, every year, regardless of claim history.
  • Avail treatment anywhere in the world with ‘Enhance Anywhere’ feature.
  • Lifetime renewability.
  • Online purchase in 2 minutes. No paperwork required.
  • File your claim directly with us.
  • Tax Benefit* on premium paid under section 80D of IT Act.

Other Key Benefits of RHI's Enhance

There's still lot more we have for you!

  • Floater cover
  • Organ donor medical expenses covered
  • Enjoy 7.5% discount on 2 year policy term and 10% discount on 3 year policy term

Click on below tabs to choose the Best Plan for You

No Sub-limits

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 with AC (upgradable to next level room category in case of Enhance 2)

Avail Health Check-ups Every Year

We believe that prevention is better than cure. So to pre-empts you 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.

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 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.

Pre and Post 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.

Avail Treatment Anywhere in the World

Our care knows no boundaries; literally. So, while we ensure you have access to the best health care services, we leave it to your discretion whether you would wish to avail certain specialized treatments in India or abroad.

No 'Co-Payment' Required

Co-payment means the insured would have to pay a part of the claim amount. Generally, insurers levy a 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.

No 'Claim-based' Loading and Lifetime Renewability

We understand that people do fall ill from time to time. Since we are here to service their health care requirement, 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 'Enhance' comes with Lifelong Renewability ensuring continued cover age irrespective of your age.

Review your decision

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

Plan Options
Features/plan (Sum Insured) Enhance 1
Deductible(or existing Policy Sum Insured) 2 Lac,3 Lac,4 Lac or 5 Lac 6 Lac,7 Lac,8 Lac,9 Lac or 10Lac
Sum Insured 2 Lac to 25 Lac
(As multiple of 1,2,3,4 or 5 time of deductible)
6 Lac to 30 Lac
(As multiple of 1,2 or 3 time of deductible)
In patient Care Up to Sum Insured
Pre Hospitalization 30 Days
Post Hospitalization 60 Days
Day Care Treatment Yes
Room Rent Category Single Private Room
ICU charges, Doctor's fee etc. No Limit
Health check-up Yes
Organ Donor Cover Yes

What is not covered?

  • Any pre-existing ailment/injury that was diagnosed /acquired within 48 months prior to issuance of the first policy.
  • Any diseases contracted during first 30 days of the policy start date except those arising out of accidents
  • Non-allopathic treatment
  • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
  • Expences 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

Claim Processing
Claim Intimation
In case of emergency, please intimate us within 24 hours of hospitalisation.
If planned hospitalisation, intimate us 48 hours prior to your admission.
1800-200-4488 1800-200-6677
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.
Approved letter sent by the
claim management team
Hospital/Insurance to respond
to any query raised by the
claim management team
You may initiate the
treatment and file for
re-imbursement claim
Approved letter sent by the
claim management team
Insured to respond to query,if any, raised by the claim
management team
We will communicate
the reason in case of rejection
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

Policy Terms
Minimum entry age 1 day
Maximum age No age bar
Renewal lifelong renewabilty. The policy can be renewed under the then preveling 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 If you enroll at the age of 61 years 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
Underwriting loadings Based on the assessment of the extra risk on account of medical conditions by the underwriter, the premium shall be loaded accordingly (15%, 30% or 50%)
Group discount 5 to 20%, depending upon the group size.
Complete care After 4 years of continuous coverage, you have an option to convert your deductible plan to Comprehensive Health Insurance Plan (without any deductible)

What is a deductable plan?

A deductible plan works on the simple principle of a policy deductible; this is a pre-defined amount that you will bear, through your own finances or any other source, during a medical event. Any amount over and above the policy deductible will be borne by us. The pre-specified deductible can be reduced or exhausted using the principle of aggregation. Simply put, if you opt for a sum insured of Rs 6 lakh with a policy deductible of Rs2 lakh, then Rs2 lakh will be borne by you and an amount of up to Rs6 lakh over and above the deductible of Rs2 lakh will be borne by us.

What is the difference between a family floater and critical illness or hospital cash insurance?

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-defined sum, irrespective of the amount spent on medical treatment. These are called ‘benefit-based’ policies.

How would I benefit by buying health insurance at a young age?
  • Health insurance premiums tend to increase with age;the older you are, the higher your premiums will be.
  • If you are insured early, you will be covered for medical conditions that may be diagnosed later in life, provided there is no break in the policy.
  • Each 'no claim' year, i.e. year during which you do not file a claim, fetches you a discount on your premium or an increase in your sum insured amount, at no extra cost. 'No-claim' benefits vary from company to company.
  • Every year, you receive income tax benefits* under Section 80 D of the Income Tax Act.
Why is it necessary for me to disclose my current health status correctly and accurately when 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 claims, when they arise. It will also help us service you better.

What is preferable for me – floater insurance or an individual insurance?

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.

How does a floater cover work?

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 a single 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, you may 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 plans have 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.

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 if you opt to buy a health insurance policy, in case you are above 45 years of age or 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 any upfront payment for these tests.

In case 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.

How do I cancel my health insurance policy?

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.

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 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 why purchasing adequate Health Insurance is a crucial part of your financial planning exercise.

What is co-payment?

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 Rs 10,000) and you will bear the remaining 20% (Rs. 2,000). Religare Health Insurance policies with sum insured of 2,3 and 4 lakh have no co-payment clause. For policies with a sum insured of over Rs 4 lakh, there is also no co-payment clause, if the insured has enrolled with us before the age of 61.


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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