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Religare Assure
Religare Assure




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Religare Assure

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1 Details
1.1 Company Name
Religare Health Insurance
1.1.1 Incurred Claims Ratio (13-14)
New India Senio..
79.92 %
Rank: 15 (Overall)
SBI General F F
1.1.2 Incurred Claims Ratio (14-15)
Oriental Happy ..
61.13 %
Rank: 17 (Overall)
L And T Medisure Prime
1.1.3 Network Hospitals
SBI General F F
4900 +
Rank: 4 (Overall)
Oriental Happy Family Floater Gold
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1.2 Type of Plan
Critical Illness Insurance
1.2.1 Subtypes
Surgical Insurance
1.3 Policy Status
Active
1.4 Buy Online
50% Critical Illness Insurance Health Insurance Plans have it !
1.5 UIN
IRDA/NL-HLT/RHI/P-H(C)/V.I/14/13-14
1.6 Tax Benefits
All Critical Illness Insurance Health Insurance Plans have it !
1.7 Cashless Hospitalization
83% Critical Illness Insurance Health Insurance Plans have it !
1.8 Discounts
28% Critical Illness Insurance Health Insurance Plans have it !
1.8.1 Description
Not Applicable
2 Eligibility
2.1 Entry Age for Adults
2.1.1 Minimum
Bajaj Allianz H..
18 Years
Rank: 1 (Overall)
Apollo Munich Optima Vital
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2.1.2 Maximum
New India Senio..
65 Years
Rank: 4 (Overall)
Bajaj Allianz Insta Insure
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2.2 Entry Age for Dependent Children
2.2.1 Minimum
Bajaj Allianz C..
90 Days
Rank: 6 (Overall)
IFFCO TOKIO Family Health Protector
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2.2.2 Maximum
Apollo Munich M..
25 Years
Rank: 3 (Overall)
Reliance Healthgain Policy
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2.3 Sum Assured
2.3.1 Minimum
Future Generali..
₹ 500000
Rank: 11 (Overall)
Bajaj Allianz Daily Cash
2.3.2 Maximum
Cigna TTK Lifes..
₹ 10000000
Rank: 4 (Overall)
Bajaj Allianz Daily Cash
2.4 Policy Term
2.4.1 Minimum
Bharti AXA Life..
1 Year
Rank: 1 (Overall)
Bajaj Allianz Women Critical Illness
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2.4.2 Maximum
Future Generali..
3 Years
Rank: 5 (Overall)
Bajaj Allianz Women Critical Illness
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2.5 Medical Screening
72% Critical Illness Insurance Health Insurance Plans have it !
2.5.1 Age Criteria
Oriental Happy ..
46 Years
Rank: 6 (Overall)
Future Generali Health Total Superior
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3 Hospital Cover
3.1 Hospitalization
3.1.1 Pre-Hospitalization
Future Generali..
Not Available
Rank: N/A (Overall)
Apollo Munich Dengue Care
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3.1.2 Post-Hospitalization
Apollo Munich O..
Not Available
Rank: N/A (Overall)
Apollo Munich Dengue Care
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3.2 Room Rent
12% Critical Illness Insurance Health Insurance Plans have it !
3.3 Recovery Benefits
6% Critical Illness Insurance Health Insurance Plans have it !
3.3.1 Amount
Apollo Munich E..
Not Available
Rank: N/A (Overall)
SBI General F F
3.4 OPD Charges
6% Critical Illness Insurance Health Insurance Plans have it !
3.5 Non Allopathic Treatment
No Critical Illness Insurance Health Insurance Plans has it !
3.6 Day Care Procedures Covered
Religare Care I..
Not Available
Rank: N/A (Overall)
Bajaj Allianz Surgical Protection
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3.7 Domiciliary Hospitalization
No Critical Illness Insurance Health Insurance Plans has it !
3.8 Daily Cash Facility
6% Critical Illness Insurance Health Insurance Plans have it !
3.8.1 Description
Not Applicable
4 Medical Cover
4.1 Ambulance Charges
Royal Sundaram ..
Not Available
Rank: N/A (Overall)
Reliance HealthWise Ind
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4.2 Air Ambulance Charges
No Critical Illness Insurance Health Insurance Plans has it !
4.3 Medical Fees
4.3.1 Consultant
11% Critical Illness Insurance Health Insurance Plans have it !
4.3.2 Surgeon
6% Critical Illness Insurance Health Insurance Plans have it !
4.3.3 Specialist
No Critical Illness Insurance Health Insurance Plans has it !
4.3.4 Anesthetist
6% Critical Illness Insurance Health Insurance Plans have it !
4.3.5 Medical Practitioner
11% Critical Illness Insurance Health Insurance Plans have it !
4.3.6 Nursing
11% Critical Illness Insurance Health Insurance Plans have it !
4.4 Medical Charges
4.4.1 Blood
6% Critical Illness Insurance Health Insurance Plans have it !
4.4.2 Oxygen
6% Critical Illness Insurance Health Insurance Plans have it !
4.4.3 Anesthesia
6% Critical Illness Insurance Health Insurance Plans have it !
4.4.4 Medicine
6% Critical Illness Insurance Health Insurance Plans have it !
4.4.5 Operation Theater
6% Critical Illness Insurance Health Insurance Plans have it !
4.5 Organ Donor Expenses
6% Critical Illness Insurance Health Insurance Plans have it !
5 Benefits
5.1 No Claim Bonus
5.1.1 Minimum
Apollo Munich O..
Not Available
Rank: N/A (Overall)
Apollo Munich Optima Senior
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5.1.2 Maximum
Apollo Munich O..
Not Available
Rank: N/A (Overall)
LIC Jeevan Arogya
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5.2 Health Checkups
6% Critical Illness Insurance Health Insurance Plans have it !
5.2.1 Description
Not Applicable
5.3 AYUSH Treatment
Not Covered
5.4 Maternity Expenses
No Critical Illness Insurance Health Insurance Plans has it !
5.4.1 New Born Baby Cover
No Critical Illness Insurance Health Insurance Plans has it !
5.5 Critical Illness Cover
All Critical Illness Insurance Health Insurance Plans have it !
5.5.1 Expert Opinion
22% Critical Illness Insurance Health Insurance Plans have it !
5.5.2 Illnesses Covered
Cancer of specified severity, End Stage Liver Disease, First Heart Attack, Kidney Failure, Major Organ/Bone Marrow Transplant, Multiple Sclerosis, Not Available, Open Heart Replacement, Permanent Paralysis of Limbs, Stroke, Surgery of Aorta
5.6 Accidental Cover
5.6.1 Accidental Death Benefit
6% Critical Illness Insurance Health Insurance Plans have it !
5.6.2 AD Description
Not Applicable
5.6.3 Child Education Benefit
6% Critical Illness Insurance Health Insurance Plans have it !
5.6.4 CE Description
Not Applicable
5.6.5 Permanent Total Disablement
6% Critical Illness Insurance Health Insurance Plans have it !
5.6.6 PTD Description
Not Applicable
5.6.7 Temporary Disablement Benefit
6% Critical Illness Insurance Health Insurance Plans have it !
5.6.8 TD Description
Not Applicable
5.7 Restoration of Sum Insured
No Critical Illness Insurance Health Insurance Plans has it !
5.8 Multiplier Benefit
6% Critical Illness Insurance Health Insurance Plans have it !
6 Terms and Conditions
6.1 Cancellation Period
6.1.1 For Insurance Provider
Apollo Munich O..
15 Days
Rank: 2 (Overall)
Royal Sundaram Surgicare
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6.1.2 For Policy Holder
Apollo Munich O..
15 Days
Rank: 2 (Overall)
Royal Sundaram Surgicare
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6.2 Rate of Premium Retained
6.2.1 Up to 1 Month
Star Family Hea..
25.00 % of annual premium
Rank: 3 (Overall)
Star Health Accident Care
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6.2.2 Up to 3 Months
Star Family Hea..
50.00 % of annual premium
Rank: 5 (Overall)
L And T Personal Accident Insurance
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6.2.3 Up to 6 Months
Star Family Hea..
75.00 % of annual premium
Rank: 6 (Overall)
Max Bupa Heartbeat Ind Gold
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6.2.4 Exceeding 6 Months
Bajaj Allianz W..
100.00 % of annual premium
Rank: 2 (Overall)
ICICI Lombard Health Booster
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6.3 Policy Renewal
Lifelong
6.4 Grace Period
Bajaj Allianz W..
30 Days
Rank: 1 (Overall)
SBI General F F
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6.5 Free Look Period
Bajaj Allianz W..
15 Days
Rank: 1 (Overall)
Bajaj Allianz Women Critical Illness
6.6 Waiting Period
6.6.1 No Claim Period
Future Generali..
30 Days
Rank: 2 (Overall)
Bajaj Allianz Personal Accident
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6.6.2 Specific Waiting Period
Not Available
6.7 Claim Based Loading
22% Critical Illness Insurance Health Insurance Plans have it !
6.8 Cover for Pre-Existing Diseases
Apollo Munich O..
Not Available
Rank: N/A (Overall)
Bajaj Allianz Silver
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6.9 Co-Pay
6% Critical Illness Insurance Health Insurance Plans have it !
6.10 Sub-Limits
11% Critical Illness Insurance Health Insurance Plans have it !

Information About Religare Assure

Information About Religare Assure includes details about the type of plan, name of the insurance provider, policy status etc. Religare Assure is a critical illness insurance provided by Religare Health Insurance. The company had an incurred claims ratio of 79.92 % for the financial year 2013-14 and 61.13 % for the financial year 2014-15. Incurred claims ratio is the ratio of claims incurred to the premiums collected by the insurance company. The plan is active and can be bought.

Religare Assure Eligibility provides important information of the policy, such as minimum and maximum limits of sum assured, entry age etc. Minimum age to be eligible to buy this plan is 18 Years.Cashless hospitalization is the facility provided by insurance company. Under this facility, the company directly settles medical bills, incurred during treatment of the policy holder, with the hospital.Cashless hospitalization facility is available for this health insurance policy. Minimum sum assured under Religare Assure is ₹ 500000. Maximum sum assured option available under the plan is ₹ 10000000.

Covers under Religare Assure

Medical and hospital covers under Religare Assure include various covers such as Pre-hospitalization cover, post-hospitalization cover, room rent, OPD charges, cover for day care procedures, domiciliary hospitalization cover, Ambulance charges, Medical fees, Medical charges etc. Rent of the hospital room is not covered under this policy. OPD charges are not covered under Religare Assure.

Day care procedures are the medical treatments that do not require the insured to be admitted to the hospital for more than 24 hours. Such treatments are not covered under this policy. Domiciliary hospitalization charges are the expenses that occur when the medical treatment is taken at home. Such expenses are not covered in this health insurance policy. Various medical fees and medical charges are also covered under this policy.

Important Benefits Under Religare Assure

Important Benefits under Religare Assure may include no claim bonus, health check-ups, cover for Maternity expenses, Critical illness cover etc. Religare Assure Benefits includes information about additional benefits available under the plan. Periodic health check-ups are available to the insured persons under this policy. Maternity expenses are not covered under Religare Assure. Critical illness cover is available in this plan.

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