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11 Sep 2020

Religare Health Insurance Review

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Religare Health Insurance Company Limited (now Care Health Insurance Limited) Background and Overview-

Religare Health Insurance Company Limited (now Care Health Insurance Limited) is an Indian Health Insurance company with its headquarters in Gurgaon, Haryana.
The company has over 140 offices across the country. It also has a very strong network of 7800+ partnered hospitals across the length and breadth of the country, 6.95 Lakhs claims services, and a 93% claim settlement ratio.

Religare Health Insurance Company Limited (now Care Health Insurance Limited) provides a wide array of insurance-related services, ranging from Religare health insurance, Religare travel insurance, corporate insurance, etc.
Given below is the Religare insurance review as well as the elaborate list of various Insurance schemes offered-

Religare Health Insurance Company Limited (now Care Health Insurance Limited): Policies and schemes-

Before dwelling into the various insurance policies and schemes offered by Religare Health Insurance Company Limited (now Care Health Insurance Limited), let us start by understanding what health insurance is-
Health Insurance is a product/policy that provides coverage for all medical-related expenses incurred, specified in the policy document, for individuals or a group of individuals. The insured person is required to pay a fixed amount of premium on a monthly basis/regularly as specified until the end of the term to the insurance company (insurer) and the insurer promises to cover the relevant expenses when it arises.
The expenses covered conventionally pertain to the treatment of any injury, disease, or illness and the expenses would wither be reimbursed by the insurer or settled with the hospital directly.

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Religare Health Insurance Company Limited (now Care Health Insurance Limited): Plans and Policies-

Religare Health Insurance Company Limited (now Care Health Insurance Limited) offers various schemes and policies for Indians such as Religare Health Insurance, Religare Travel insurance, corporate insurance, etc.

  • Cancer Insurance Plan- This policy provides coverage from Rs. 10 Lakhs all the way up to Rs. 2 crores. Covers cancer treatment like Chemotherapy and Radiotherapy, in-patient hospitalization covered too.

  • Critical Illness Insurance- This policy provides coverage from Rs. 10 Lakhs all the way up to Rs. 2 crores, Pre-Hospitalization as well as post Hospitalization expenses covered, Entry age ranges between 5 yeard and 50 years.

  • 1 Crore Health Insurance Policy- This policy provides coverage of up to Rs. 1 Crore, pre-hospitalization and post-hospitalization expenses covered, in-patient hospitalization expenses covered too.

  • Health Insurance for Family & Individual- This policy provides coverage between Rs. 4 Lakhs to Rs. 6 Crores for an entire family, pre-hospitalization and post-hospitalization expenses covered.

  • Health Insurance for Diabetes, High BP & BMI- This policy provides coverage from Rs.3 Lakhs all the way up to Rs. 10 Lakhs, pre-hospitalization and post-hospitalization expenses covered, Dialysis treatment covered up to sum insured.

  • Health Insurance for Senior Citizens- This policy provides coverage from Rs.3 Lakhs all the way up to Rs. 10 Lakhs for senior citizens, pre-hospitalization and post-hospitalization expenses covered, the minimum age of the applicant is required to be 61 years.

  • Maternity Health Insurance with New Born Baby Cover - JOY- This policy offers a perfect concoction of maternity as well as hospitalization insurance, coverage provided for newborn baby, pre-hospitalization, and post-hospitalization expenses covered.

  • Health Insurance for Heart Patients- This policy provides coverage from Rs.3 Lakhs all the way up to Rs. 10 Lakhs, pre-hospitalization and post-hospitalization expenses covered, cardiac health check-up covered.

  • Top Up Health Insurance Plan- This is an add-on policy to an existing policy with Care Health Insurance Limited, policy provides coverage from Rs.1 Lakh all the way up to Rs. 30 Lakhs, pre-hospitalization and post-hospitalization expenses covered.

  • Arogya Sanjeevani Health Insurance Policy- This policy provides coverage of Rs. 5 Lakhs, pre-hospitalization and post-hospitalization expenses covered, Sum Insured offered on individual as well as family floater basis,

Before making the decision of purchasing the apt health insurance policy, one needs to go through the stages of adequate planning and shortlisting after weighing out all the options. The requirements would vary depending on whether one is purchasing the health insurance policy for themselves, their family, or their parents/any other senior citizens within the family.

Religare Health Insurance Company Limited (now Care Health Insurance Limited) has various policies that cater to all these needs. Yet for Indians as well as NRIs, it could still be a hassle to select the best-suited policy, so why not go ahead with North Loop instead, offering life insurance and health insurance policies completely online with low premiums yet high covers, and a registration process of just a couple of minutes. Sign up with North Loop now!

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This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. It is not intended be advice. You must obtain professional advice before taking, or refraining from, any action on the basis of the content in this publication. The information in this publication does not constitute legal, tax, investment or other professional advice from North Loop or its affiliates. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date. All opinions expressed do not reflect the views of North Loop nor are endorsed by North Loop.