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Religare Health Insurance

About Religare Health Insurance


Religare Health Insurance (RHI), one of the wings of Religare Enterprises Limited (REL), is distinctively diversified health insurance company committed to helping people to live healthier and happier lives. Besides REL, Union Bank of India & Corporation Bank are the reputed stakeholders of RHI. Started our journey in July 2012. We are now becoming the nations’ leading health insurance company. We are a brand name in the insurance industry built on the foundation of trust. Our comprehensive and affordable health insurance plans are designed to serve different purposes of our customers and fits in their budget. We work extensively to provide the right health insurance cover, lower premiums, quick claim settlement, and 24x7 customer support.

We are proud to be the pioneer in the health insurance sector and excelling every day to be more innovative and reachable to our valued stakeholders, customers, and team members. RHI’s operating philosophy based on the principal tenet of ‘consumer-centricity.’ We are consistently investing in the effective application of technology to deliver excellence in customer service, product innovation, and value-for-money services.
The organization has been adjudged the ‘Best Health Insurance Company’ at the ABP News-BFSI Awards & ‘Claims Service Leader of the Year – Insurance India Summit & Awards. Religare Health Insurance has also received the ‘Editor’s Choice Award for Best Product Innovation’ at Finnoviti and was conferred the ‘Best Medical Insurance Product Award’ at The FICCI Healthcare Awards. With significant progress within a short span of time, we are already operating out of 61 offices successfully. With our customized health insurance solutions, we are accelerating health care for everyone.

Key Benefits of Religare Health Insurance


At, Religare Health Insurance we ensure our valuable customers get access to affordable healthcare from a wide range of hospitals. As the world is going digital and when you can shop for things at the comfort of your home, you can even buy health insurance online without any hassle. Buying an insurance policy online minimizes paperwork and manual efforts to an extent. The online mode is highly convenient since you get the choice of comparing policies and opting for the most affordable health plan for you and your family. You can buy a policy, pay for the premium and initiate a claim, all the click of a mouse and save your precious time. What’s more, you may not even require a health check-up before buying a health insurance policy. Without insurance, paying for the medical expenses can impact savings and create a financial burden on your family. Buying a policy online is a decision you will definitely be proud of.

The key benefits offered by Religare Health Insurance are as follows:

  • 1. Offers financial cushion during any medical exigency and protection from the impact of high medical expenses out-of-pocket expenditures.
  • 2. Availability of a variety of plans like personal accident cover, health cover for senior citizens, maternity cover, etc. based on the health needs of you and your family.
  • 3. Coverage for all expenses incurred during hospitalization as well as pre and post hospitalization stage, for instance, OPD expenses, lab tests, doctor’s fee, etc.
  • 4. Option to pick critical illness cover and get the expenses covered for the treatment of life-threatening conditions.
  • 5. Additional benefits in terms of lifelong renewability as well as coverage for alternative treatments, ambulance cover, day-care procedures, health check-ups, etc.
  • 6. Provision for getting the best possible treatment in a range of network hospitals spanning across locations.
  • 7. Tax benefits under Section 80D of the Income Tax Act with deduction up to Rs 25,000, if you are below 60 years of age. Additional tax deduction of Rs 50,000 on the health insurance premium paid for senior citizen parents.

List of Religare Health Insurance Plans


Religare Health Insurance currently offers products in the retail segment for Health Insurance, Critical Illness, Personal Accident, Top-up Coverage, Maternity, International Travel Insurance, Group Health Insurance and Group Personal Accident Insurance for corporates

Family Health Insurance


Care is a comprehensive and wholesome health insurance plan for families and individuals. We understand that the expenses don’t just start after hospitalization, which is why CARE family health insurance covers all the financial requirements from diagnosis to recovery. We ensure that you are able to focus on your treatment while we handle the financial commitments.

Critical Illness Insurance


Our critical illness insurance offers comprehensive coverage against critical illnesses such as cancer, major heart ailments, organ transplants & even critical surgeries. It is an affordable indemnity based product that comes with lifelong renewability. It means the sum insured is available every year & it also helps one financially in case of a relapse of an ailment.

Maternity Insurance


JOY is our innovative insurance product that addresses all the questions and uncertainties that you may have about this new chapter in your family’s life. It takes care of your maternity and related health insurance needs not just for today, but also for tomorrow. The JOY maternity insurance plan covers hospitalization expenses during pregnancy and also the post-hospitalization phase.

Top-up Insurance


Enhance-Top up Health Insurance works on the simple principle of Policy Deductible, which is the predefined amount that you will bear, through your own finances or any other insurance, during a medical event. Any amount over and above policy deductible will be borne by us. Simply put, if you opt for a Rs. 6 lac Sum Insured with deductible of Rs. 2 lac, then 2 lac will be borne by you and 6 lac over and above the deductible of 2 lac will be borne by us during the policy period.

Super Mediclaim Insurance


Super Mediclaim is an Indemnity based Health Insurance Product that offers comprehensive coverage against critical illnesses such as cancer, major heart ailments, organ transplants & even critical surgeries. It gives the flexibility to choose from among 4 Plans basis your requirement.

  • 1. Critical Mediclaim: A plan that covers 32 defined critical illnesses.
  • 2. Cancer Mediclaim: Comprehensive coverage for a wide-range of cancer ailments.
  • 3. Heart Mediclaim: A plan that covers 16 Critical Heart related Illnesses.
  • 4. Operation Mediclaim: A plan that offers coverage for a wide array of defined surgeries.

Health Insurance for Senior Citizens


We have specially curated health insurance for individuals above 61 years of age. This health insurance plan includes a free annual check-up, tax savings, floater and individual cover, and of course, a servicing team that empathizes and guides you at every step. Under this Individual and Floater cover available with No Pre-policy medical check-up. Senior citizens get the benefit of free annual health check-up and automatic recharge of Sum Insured.

FAQs on Religare Health Insurance


How to buy Health Insurance Policy?


You can buy Health Insurance Policy online easily. Follow these steps:

  • 1. Enter your details in the form given on the Religare Health Insurance website.
  • 2. Get the quote
  • 3. Choose the one that suits your needs.
  • 4. Fill the required details
  • 5. Submit the required documents
  • 6. Make online payment

What is co-payment in the Religare health insurance plan?


Health Insurance companies use Co-Payment after an insured member turns a certain age. Co-pay is that part of your claim amount, which you have to bear. Co-pay can be in % terms or an absolute amount. For example, in case of co-pay of 20% and claim of Rs. 10,000, we will pay you Rs. 8,000 (80% of 10K) and you will bear 20% (Rs. 2,000). In Religare Health Insurance policy there is No Copayment ever, if insured with us before age of 61.

What are the key benefits of buying Religare Health Insurance at an early age?


The key benefits of buying Religare Health Insurance at an early age are:

  • 1. Health insurance premium tends to increase with age - more the age, higher the premium.
  • 2. You can be covered for medical conditions that may be diagnosed over the years provided there is no break in the policy.
  • 3. In addition, each no claim’ year would fetch you a discount on your premium or an increase in your sum insured amount at no extra cost. The treatment in case of ‘no-claim’ bonus varies from company to company.
  • 4. Lastly, income tax benefit under Section 80 D of the Income Tax Act.

What is a No Claim Bonus?


This concept works on the same lines as the no-claim bonus on your car insurance. A Policyholder, who hasn’t made any claim in a year, can use the bonus to their benefit the following year. Similarly, CARE offers a 10% increase in the policy sum insured for every claim-free year, with no change in premium. So, a policy with a sum insured of Rs 5 lakh, will get an extended cover of Rs 50,000 the following year at the same premium. A claim-free third year will see him earning another ten per cent extra cover on his base sum insured, taking the total to Rs 6 lakh. A maximum bonus of up to 50 per cent is permissible. In case of claim, the accumulated bonus is reduced by 10%.

How to Renew Health Insurance policy Online?


  • 1. First, you have to visit the company''''s official website and click on ‘Renew’ tab to initiate Religare health insurance online renewal.
  • 2. In the next step, you have to fill all the required details related to your existing health insurance policy and click on ‘Lets Renew’ option.
  • 3. The last step of Religare Health Insurance online renewal is payment mode.
  • 4. Once you have done the payment successfully, your Religare Health Insurance renewal will be completed. You will receive the renewal documents in your registered mail-id.

To Know more about health insurance visit www.religarehealthinsurance.com