Health Insurance for Family & Individual

Health Insurance for Family & Individual

Religare Health Insurance is now Care Health Insurance
15 days Wait period for COVID Treatment
Avail Annual Health Checkup & Tax Rebate u/s 80D
Up to 150% No Claim Bonus with NCB Super
Coverage for Modern Treatments like Robotic Surgery, HIV/AIDS, etc.

Features of Family Health Insurance



Policy terms

Minimum entry age of 91 days.

No upper age limit for enrollment.

Life long Renewability of policy under the then prevailing Health Insurance Product or its nearest substitute approved by IRDA.

Co-payment During purchase of the first policy, if eldest member insured is

Below 61 years, no co-payment is applicable.

61 years or above, 20% of the claim amount under the policy has to be borne by you.

Premium to be paid on renewal and the subsequent continuation of cover are subject to change with prior approval from IRDA.

30-day Waiting Period for claim for all illnesses, except injury.

Grace period of 30 days to renew your policy once it expires.

Exclusion

Any diagnosis of diseases / undergoing of surgery / occurrence of event, whose signs or symptoms first occur within 30 days of Policy Period Start date.

Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide).

Expenses arising out of or attributable to alcohol or drug use/misuse/abuse

Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences

Congenital disease

Tests and treatment relating to infertility and in vitro fertilization.

War, riot, strike, nuclear weapons induced hospitalization.

What is Family Health Insurance?

A family health insurance plan is a comprehensive insurance cover against financial risks for more than one individual member in the family, during a medical emergency. Family gets full one year coverage by paying the premium in a single transaction. Family members usually covered in this plan include individual, spouse, and children. You can also get health insurance coverage for your dependent parents. Some of the health insurance plans also allow you to purchase plans for your siblings/in laws. Family health insurance plans offer coverage for various medical expenses including pre-and-post hospitalization, in-patient hospitalization, ambulance costs, etc.

How Important is Health Insurance for your Family?

When it comes to the family's health and safety, a health insurance policy for family is vital. The rising incidences of critical illnesses, pollution, sedentary lifestyle, etc., are taking a toll on people's health. Additionally, increasing medical inflation in the country and resultant unaffordable treatment costs are more like financial trauma during medical emergencies for many.

So, better to keep your family secured and protected with Care family insurance plans. It helps your loved ones to avail the best possible treatment across 15500+ cashless network providers and gives you a financial cushion when you need it the most.

Benefits of Family Insurance Plans

Our health insurance policy for family comes with comprehensive coverage for insured family members. They get protection under a single umbrella. Listed below are its significant benefits:

Direct Claim Settlement: Hassle-free service is our top priority. Hence we settle your claims directly without involving any Third Party.

Cashless Hospitalization: You can get cashless treatment at any 15500+ healthcare providers. We will settle your medical bills directly with the network hospital in case of hospitization due to illness or injury.

Affordable Premium: The family floater plan is affordable and has less premium than the individual policy. You need to pay a single premium once a year. It reduces your financial burden and keeps your family budget balanced.

Single Policy: No need to get into the cumbersome formalities of having several health policies for your family members. Pay a single premium and manage one policy for all insured family members.

No Upper Age Limit: If you are 18 years old or above, you can buy our health insurance plan without any age restriction with no upper age limit for enrolment.

Discounts: Discounts can bring a smile to anyone's face. We understand how important a smile is, so here we come with numerous discounts such as a multi-year policy, Smart Select, and many more.

Tax Exemption: Secure your health and wealth. Get tax exemption up to Rs 75,000 for the premium paid against coverage for family and parents as per section 80D of the Income Tax Act.

Add-on Covers with Family Health Insurance Plan

You can also enhance the policy coverage with the help of these add-on covers:

COVID Care

If corona is giving you sleepless nights, do not worry! We offer COVID Care as an add-on while covering medical expenses incurred for treatment and/or quarantine for COVID-19 with the positive confirmative diagnosis from Government Authorized Centre.

Care Shield

It is an optional cover with three-fold benefits:

Claim Shield- It includes non-payable expenses such as attendant charges, gloves, masks, etc., under the policy benefit.
No Claim Bonus Shield: If the total payable claim amount in Policy Year is 25% Sum Insured, then-No Claim Bonus (No Claim Bonus Super, if opted) as applicable in the base product shall not be reduced.
Inflation Shield- The base policy sum insured will be increased on a cumulative basis at each renewal based on the previous year's inflation rate.

No Claim Bonus Super
NCB Super is a reward for your good health. It increases your Sum Insured amount by 50% for every claim-free year maximum of up to 100%.

Everyday Care
Under this add-on, we cover your routine visits to the hospital. You will get 1% of your Sum Insured for doctor consultation & diagnostic tests each.

Unlimited Automatic Recharge
With this add- on your Sum Insured amount is reinstated in your policy whenever your existing Sum Insured gets exhausted. You can avail of it an unlimited number of times.

Air Ambulance Cover
We try hard that the right cure may be miles away but never out of your reach. Air ambulance cover helps you go for an emergency treatment that is not in your city of stay.

OPD Care
One of the most beneficial add-on covers takes care of expenses such as doctor consultation fees, prescribed pharmacy, and prescribed investigation tests.

International Second Opinion
We believe that sometimes reassurance works better. You can opt for an international second opinion to consult with a doctor outside the country.