Guide to Religare Health Insurance – Enhance Top-up Insurance

In today's time, with hectic schedules, fast-paced lives and rising pollution, your health sure is at stake. Hence securing your health along with your wealth should be your utmost priority. And what better way to do this than to opt for Religare Health Insurance. Read on to know more!

Be it for individuals, families or corporates,when it comes to health insurance, Religare Health Insurance, launched in July'12 is the most trusted name in India. While there is a plethora of health plans to choose from, if you are looking for an extra safety net of coverage at a significantly lesser premium, then 'Religare Health Insurance – Enhance Top-up Insurance' is exactly what you need! It's an ideal top-up insurance plan for those who already have insurance from any company.

Highlights of Religare Health Insurance – Enhance Top-up Insurance:

• This plan offers flexible chose of deductible with wide range of option for sum insured upto Rs. 60 Lakh
• This plan offers no Pre-policy check-up for sum insured up to 40 lakh till age 50years
• Minimum entry age is 1 and there is no bar on maximum age
• The waiting period is 30 days for any illness except injury
• Enjoy a grace period of 30 days for the policy renewal from the date of expiry
• Avail a group discount of 5-20%, depending on the group size

For more such highlights of the plan, please refer to the brochure.

Features of Religare Health Insurance – Enhance Top-up Insurance:

• Did someone say NO Sub-limits?

Yes, you heard it right! Absolutely NO cap on vital expenses like doctoror surgeon fees, Operation Theaterandother related charges with this plan. It is your money after all!

• FREE health check-ups every year!

Securing your health is of utmost priority to us and we ensure the same with free annual health check-ups for the insured members of this plan. All you got to do is call up the call center, fix up an appointment and get yourself checked. It's as simple as 1-2-3!

• Review your decision

So after purchasing the Mediclaim policy,if you are in two minds about its suitability, feel free to cancel the same. Yes, the policy comes with a free look period of 15 days.

• Cashless treatment at 5420+ hospitals!

With cashless and hassle free treatment at over 5420+ network hospitals and reimbursement in any other hospital of your choice, what more could you ask for?

• Do 'No co-payment' plans exist?

Yes,'no co-payment' plans very much exist with Religare Health Insurance! Co-payment is where the insured would have to pay a part of the claim amount. In general case, companies ask for 20% for the same. But with Religare all the plans are 'No Co-payment' plans for the entire life, where in the person to be insured is less than 61 years of age, at the time of first buying of the policy.

• Is specialized treatment abroad possible?

Yes, with this plan you can avail treatment anywhere in the world. It is totally up to your discretion to avail specialized treatments in India or abroad and get it reimbursed under the policy. However, this feature is available for sum insured 50-60 lakhs.

• Top-up sum insured of up to 5 lakhs, no 'claim based' loading ever, lifetime renewabilityand other such beneficial features of the plan can be referred to in the policy wordings.

With benefits like single private room, expert option, day care treatment, deduction for tax benefit under section 80D, floater cover, ambulance expenses cover, organ donor medical expenses coverand more, you can't be more sure of buying this plan.

Exclusions on Religare Health Insurance – Enhance Top-up Insurance:

• Any pre-existing ailment or injury that was diagnosed or acquired within 48 months before the first policy was issued
• Any diseases contracted during first 30 days of the policy start date except those arising out of accidents
• Non-allopathic treatment
• Cost of spectacles, contact lenses and dental treatment
• Medical expenses incurred for treatment of AIDS

For more details on all the exclusions of the plan, please refer to the policy wordings.

It is very rightly said, "Buy health insurance policy when you don't want it, because you may not get it when you want it." So, don't think twice and make sure you add buying ofReligare Health Insurance plan at the top of your to-do list. Trust us on this nothing beats a good health insurance plan that backs you financially at critical times. So wait no more and avail higher coverage at lesser premium with this plan NOW!