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:
Other Key Benefits of RHI's Enhance
There's still lot more we have for you!
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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)
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.
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.
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.
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.
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.
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.
After purchasing your policy, if you find it unsuitable, you can cancel it. Our policy comes with a free look period of 15 days.
|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|
|Organ Donor Cover||Yes|
What is not covered?
|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 firstname.lastname@example.org|
|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)|
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.
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.
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 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.
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.
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.
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.
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 CA0001 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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