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Religare Care Freedom Senior Citizen Health ..
Religare Care Freedom Senior Citizen Health ..




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Religare Care Freedom Senior Citizen Health Insurance

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
ADD ⊕
1.2 Type of Plan
Individual Insurance
1.2.1 Subtypes
Not Available
1.3 Policy Status
Active
1.4 Buy Online
65% Individual Health Insurance Health Insurance Plans have it !
1.5 UIN
IRDA/NL-HLT/RHI/P-H/V.I/36/2014-15
1.6 Tax Benefits
All Individual Health Insurance Health Insurance Plans have it !
1.7 Cashless Hospitalization
All Individual Health Insurance Health Insurance Plans have it !
1.8 Discounts
64% Individual Health Insurance Health Insurance Plans have it !
1.8.1 Description
Not Available
2 Eligibility
2.1 Entry Age for Adults
2.1.1 Minimum
Bajaj Allianz H..
18 Years
Rank: 1 (Overall)
Apollo Munich Optima Vital
ADD ⊕
2.1.2 Maximum
New India Senio..
Not Available
Rank: N/A (Overall)
Bajaj Allianz Insta Insure
ADD ⊕
2.2 Entry Age for Dependent Children
2.2.1 Minimum
Bajaj Allianz C..
90 Days
Rank: 6 (Overall)
IFFCO TOKIO Family Health Protector
ADD ⊕
2.2.2 Maximum
Apollo Munich M..
24 Years
Rank: 4 (Overall)
Reliance Healthgain Policy
ADD ⊕
2.3 Sum Assured
2.3.1 Minimum
Future Generali..
₹ 300000
Rank: 7 (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
ADD ⊕
2.4.2 Maximum
Future Generali..
3 Years
Rank: 5 (Overall)
Bajaj Allianz Women Critical Illness
ADD ⊕
2.5 Medical Screening
72% Individual Health Insurance Health Insurance Plans have it !
2.5.1 Age Criteria
Oriental Happy ..
Not Available
Rank: N/A (Overall)
Future Generali Health Total Superior
ADD ⊕
3 Hospital Cover
3.1 Hospitalization
3.1.1 Pre-Hospitalization
Future Generali..
Covered up to 30 Days
Rank: 4 (Overall)
Apollo Munich Dengue Care
ADD ⊕
3.1.2 Post-Hospitalization
Apollo Munich O..
Covered up to 60 Days
Rank: 4 (Overall)
Apollo Munich Dengue Care
ADD ⊕
3.2 Room Rent
89% Individual Health Insurance Health Insurance Plans have it !
3.3 Recovery Benefits
21% Individual Health 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
24% Individual Health Insurance Health Insurance Plans have it !
3.5 Non Allopathic Treatment
38% Individual Health Insurance Health Insurance Plans have it !
3.6 Day Care Procedures Covered
Religare Care I..
170
Rank: 5 (Overall)
Bajaj Allianz Surgical Protection
ADD ⊕
3.7 Domiciliary Hospitalization
74% Individual Health Insurance Health Insurance Plans have it !
3.8 Daily Cash Facility
59% Individual Health Insurance Health Insurance Plans have it !
3.8.1 Description
Up to 1,000/- per day for 7 days
4 Medical Cover
4.1 Ambulance Charges
Royal Sundaram ..
₹ 1000
Rank: 11 (Overall)
Reliance HealthWise Ind
ADD ⊕
4.2 Air Ambulance Charges
5% Individual Health Insurance Health Insurance Plans have it !
4.3 Medical Fees
4.3.1 Consultant
86% Individual Health Insurance Health Insurance Plans have it !
4.3.2 Surgeon
90% Individual Health Insurance Health Insurance Plans have it !
4.3.3 Specialist
86% Individual Health Insurance Health Insurance Plans have it !
4.3.4 Anesthetist
85% Individual Health Insurance Health Insurance Plans have it !
4.3.5 Medical Practitioner
90% Individual Health Insurance Health Insurance Plans have it !
4.3.6 Nursing
90% Individual Health Insurance Health Insurance Plans have it !
4.4 Medical Charges
4.4.1 Blood
83% Individual Health Insurance Health Insurance Plans have it !
4.4.2 Oxygen
85% Individual Health Insurance Health Insurance Plans have it !
4.4.3 Anesthesia
88% Individual Health Insurance Health Insurance Plans have it !
4.4.4 Medicine
83% Individual Health Insurance Health Insurance Plans have it !
4.4.5 Operation Theater
92% Individual Health Insurance Health Insurance Plans have it !
4.5 Organ Donor Expenses
75% Individual Health 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
ADD ⊕
5.1.2 Maximum
Apollo Munich O..
Not Available
Rank: N/A (Overall)
LIC Jeevan Arogya
ADD ⊕
5.2 Health Checkups
77% Individual Health Insurance Health Insurance Plans have it !
5.2.1 Description
Available once every policy year
5.3 AYUSH Treatment
Not Covered
5.4 Maternity Expenses
44% Individual Health Insurance Health Insurance Plans have it !
5.4.1 New Born Baby Cover
37% Individual Health Insurance Health Insurance Plans have it !
5.5 Critical Illness Cover
46% Individual Health Insurance Health Insurance Plans have it !
5.5.1 Expert Opinion
37% Individual Health Insurance Health Insurance Plans have it !
5.5.2 Illnesses Covered
Not Available
5.6 Accidental Cover
5.6.1 Accidental Death Benefit
10% Individual Health Insurance Health Insurance Plans have it !
5.6.2 AD Description
Not Applicable
5.6.3 Child Education Benefit
4% Individual Health Insurance Health Insurance Plans have it !
5.6.4 CE Description
Not Applicable
5.6.5 Permanent Total Disablement
8% Individual Health Insurance Health Insurance Plans have it !
5.6.6 PTD Description
Not Applicable
5.6.7 Temporary Disablement Benefit
3% Individual Health Insurance Health Insurance Plans have it !
5.6.8 TD Description
Not Applicable
5.7 Restoration of Sum Insured
33% Individual Health Insurance Health Insurance Plans have it !
5.8 Multiplier Benefit
36% Individual Health Insurance Health Insurance Plans have it !
6 Terms and Conditions
6.1 Cancellation Period
6.1.1 For Insurance Provider
Apollo Munich O..
30 Days
Rank: 1 (Overall)
Royal Sundaram Surgicare
ADD ⊕
6.1.2 For Policy Holder
Apollo Munich O..
30 Days
Rank: 3 (Overall)
Royal Sundaram Surgicare
ADD ⊕
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
ADD ⊕
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
ADD ⊕
6.2.4 Exceeding 6 Months
Bajaj Allianz W..
100.00 % of annual premium
Rank: 2 (Overall)
ICICI Lombard Health Booster
ADD ⊕
6.3 Policy Renewal
Lifelong
6.4 Grace Period
Bajaj Allianz W..
30 Days
Rank: 1 (Overall)
SBI General F F
ADD ⊕
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
ADD ⊕
6.6.2 Specific Waiting Period
12 months for specific illnesses
6.7 Claim Based Loading
8% Individual Health Insurance Health Insurance Plans have it !
6.8 Cover for Pre-Existing Diseases
Apollo Munich O..
after 24 Months
Rank: 3 (Overall)
Bajaj Allianz Silver
ADD ⊕
6.9 Co-Pay
51% Individual Health Insurance Health Insurance Plans have it !
6.10 Sub-Limits
40% Individual Health Insurance Health Insurance Plans have it !

Information About Religare Care Freedom Senior Citizen

Information About Religare Care Freedom Senior Citizen includes details about the type of plan, name of the insurance provider, policy status etc. Religare Care Freedom Senior Citizen Health Insurance is a individual 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 Care Freedom Senior Citizen 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 Care Freedom Senior Citizen Health Insurance is ₹ 300000. Maximum sum assured option available under the plan is ₹ 10000000.

Covers under Religare Care Freedom Senior Citizen Health Insurance

Medical and hospital covers under Religare Care Freedom Senior Citizen Health Insurance 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. Pre-Hospitalization is Covered up to 30 Days under Religare Care Freedom Senior Citizen Health Insurance.Post-Hospitalization is Covered up to 30 Days under the plan. Religare Care Freedom Senior Citizen Health Insurance covers full or partial rent of the room when the insured is admitted to the hospital. OPD charges are not covered under Religare Care Freedom Senior Citizen Health Insurance.

Day care procedures are the medical treatments that do not require the insured to be admitted to the hospital for more than 24 hours. 170 such procedures are covered under this policy. Domiciliary hospitalization charges are the expenses that occur when the medical treatment is taken at home. Such expenses are covered in this plan. Ambulance charges up to ₹ 1000 are covered under the plan. Various medical fees and medical charges are also covered under this policy.

Important Benefits Under Religare Care Freedom Senior Citizen Health Insurance

Important Benefits under Religare Care Freedom Senior Citizen Health Insurance may include no claim bonus, health check-ups, cover for Maternity expenses, Critical illness cover etc. Religare Care Freedom Senior Citizen Health Insurance 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 Care Freedom Senior Citizen. Critical illness cover is not available in this plan.

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