Why Buying Religare Health Insurance Is a Smart Choice?

Why Buying Religare Health Insurance Is a Smart Choice?

The towering cost of medication and hospitalization certainly is posing a threat to mankind. Attributable to this, a huge portion of the society doesn’t get quality health care which is now sky-high. To find a way out of all these, financial experts have come up with a unique insurance product named ‘Health Insurance’. However, purchasing a health insurance policy from a trusted and reliable company is the real challenge in this case.

In this view, Religare Health Insurance Company Limited is one of the top providers of health insurance policies in India. Religare Health Insurance Company has introduced exciting insurance solutions to provide people from all aspect of life. The company largely emphasizes in health insurance products. Their unique health policies feature benefits like coverage to 6 family members, pre-existing illness cover, pre and post hospitalization etc.

In the modern lifestyle, people tend ignore their health. The hectic day to day life makes them more prone to various health hazards. The wrong and routineness lifestyles is constantly posing threats to our lives. Besides that, the ever-rising medical expense has made health insurance it as an indispensable to buy nowadays. In this context, Religare health insurance plans come with versatile options that offer comprehensive health coverage to every age group.

  • Religare Health Insurance offers a comprehensive and wide range of coverage.

  • No medical check-up is required to avail Religare health insurance plan for up to 45 years of age.

  • You can avail cashless services and claim settlement at 5420+ network hospitals.

  • Pre-existing illnesses are cover after the waiting period of 2 years

  • Maternity cover is offered after 9 months of waiting period.

  • Religare health insurance offers flexible sum insured with an alternative to choose deductibles up to sum insured of 60 lakhs.

  • The policy comes with lifelong renewability option.

Coverage You Are Offered under Religare Health Insurance Plans:



Hospitalization/In-patient expenses

Consultation fees, room rent, OT charges, nursing expenses, expenses of blood, ICU cost, oxygen, X-ray etc.

Pre-hospitalization costs

Covered for 30 days

Post-hospitalization costs

Covered for 60 days

Day-care Procedures

Covered under specific plan only

Domiciliary Treatment

Covered up to 10% of the  Sum Insured

Organ donors expenses

Covered up to specified limits

Daily Cash Allowance

Up to Rs. 500/- per day

Maternity Expenses

Pre & post natal costs, as per the terms and conditions

New born baby cover

From birth to till 90 days

Value added benefits

No Claim Bonus (NCB) Bonanza

Annual health check-ups

Second opinion on health

Auto-restoration of Sum Insured

Air ambulance facility

Avail treatment globally

Increase in Sum Insured at renewal


Different Types of Religare Health Insurance Policies

The Religare Health Insurance Company offers a variety of effective health insurance plans to fulfill your each and every health needs. You can choose from the following Religare health insurance plans as per your own preferences.

  • Religare Joy: This health insurance plan from Religare helps enhance the joyfulness of welcoming a new family member without worrying about the medical expenses.

  • Religare Freedom: With this unique mediclaim plan you can secure a healthy feature as it requires no pre-policy medical test.

  • Religare Enhance: This health policy comes with no medical test for Sum Insured up to Rs. 40 lakh till 50 years of age.

  • Religare Care: This health insurance policy from Religare is the perfect option to safeguard you and your family with the Sum Insured of 6 Crore. The policy also comes with a lifelong renewability option.

  • Religare Group Care: With this plan, employers can protect their most essential asset – their employees as well as their health. The main attraction of Religare Group Care is an inbuilt maternity cover.

Religare Health Insurance Add-on Covers

Religare health insurance plans also offer a number of erective add-on covers to enhance your basic health policy coverage. You can choose from the following add-on covers with Religare health insurance.

  • Global Coverage: Whether you are in India or overseas, with this cover you can be sure of availing cashless coverage anywhere in the world, given that the hospital is in the company’s network hospital list.

  • Personal Accident Cover: This add-on cover makes sure that you get an accidental cover and Permanent Total Disability benefit up to 10 times of the total sum insured of the plan.

  • Health Check-ups: This health cover offers 1% of Sum Insured to be spent on medical visits including doctor’s consultation or different diagnostic treatment expenses.

  • Auto-restoration of Sum Insured: With this plan, you need not worry even if your Sum Insured is completely exhausted. With the Auto-restoration facility, the policy protects you from bearing the out-of-pocket medical costs.

  • No Claim Bonus Super: With this add-on cover, you can expand your earned NCB ranging from 50% to the maximum of 100%. Now this means you are offered an increased Sum Insured of 150% in 5 years.

  • Second Opinion: By choosing to opt for this add-on cover, you can secure a second opinion in case of health-related issues.

  • Air Ambulance Cover: Air ambulance facility is offer if you need to avail treatment in a different city.

Why the Renewal of Health Insurance Policy Is Important?

There is no other way to enjoy the health policy advantages in an uninterrupted manner than by renewing it timely. There’s nothing different to say when it comes to Religare health insurance. The insurer expects you to renew the policy prior to its expiry. Furthermore, by offering all of its services online, Religare health insurance has made the entire process of policy renewal easy and hassle-free.

All you have to do is just visit the official website of Religare and navigate through the ‘Policy Renewal’ option. Thereafter provide the essential information regarding your health insurance like the type of policy, policy number, covered members etc. and proceed. The premium can be calculated online of the premium and if wish to continue with the coverage then pay the premiums online.

However, if you want to port the health insurance plan, you can always compare the other available mediclaim plans online and buy as per your convenience.


Health insurance is a long-term investment. Therefore, you must make sure that your investment doesn’t go wrong. In order to make an ideal investment choice you must make sure that you are investing in the right health insurance policy. This is the reason why you have to be extra careful when choosing a particular health insurance plan. Do make sure the health insurance plan you choose to buy offers the maximum coverage and best matches your requirements.


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