Religare Health Insurance-CARE SUPER NCB (CONTACT-9136189547/9717440118

The ASLI Life Insurance

RHICL PHILOSOPHY

LIFE IS UNPREDICTABLEAND SO IS HEALTH

SO YOU CAN BE TOTALLYWORRY-FREE!

GET ACCESS TO THE BEST HEALTHCARE FACILITIES WITH US AS YOUR HEALTH INSURER, IT IS TRULY

WE CAN ASSURE YOU THAT WHILE YOU ARE UNWELL ,

WE’LL TAKE UP ALL THE WORRIES RELATED TO YOUR TREATMENT

Welcome to

- ADVANTAGE

A COMPREHENSIVE HEALTH COVER

THAT TAKES CARE OF MEDICAL EXPENSES, SO THAT

YOU ARE ABSOLUTELY WORRY-FREE!

No upper-limit age bar on any of our plans

Avail treatment anywhere in the world

Annual health check-up for all insured members - regardless of claim history

Automatic policy recharge if claim amount exhausts your coverage, at no extra cost

No extra charge for pre-policy check-up

Coverage for non-medical expenses with our daily allowance benefit

Widest sum insured options to meet all your requirements - from 2 Lacs to 60 Lacs

is

We believe in the power of simplicity, hence Care is designed to offer maximum convenience

Anytime, Anywhere - we are there for you every step of the way

Discover the bounties of good health

We go an extra mile for your well-being, as unprecedented benefits await you

All encompassing coverage - from diagnosis to complete recuperation

simple

comprehensive

f lexible

rewarding

and much more

SIMPLE AND CONVENIENT TO MANAGE

ONE FOR ALL AND ALL FOR ONE

Cover any member of your immediate family (yourself or spouse, parents and children) for the sum insured in a single policy.

Get higher coverage for all the family members at discounted premiums.

LONGER POLICY TERMS

Do away with yearly renewal hassles, and avail discounted rates for a two-year policy term.

FILE YOUR CLAIMS DIRECTLY In the event of a claim, you will deal directly with us. In doing so, we can be doubly sure that you are satisfied; and when you are satisfied, we feel satisfied too.

ZERO PAYMENT TREATMENT

Either in the case of an emergency or a planned hospitaliza-tion, all you have to do is present the Religare Health Card at our network of more than 1,600 leading hospitals pan India and avail of the cashless service.

IN-PATEINT HOSPITALIZATION

In case of hospitalization for 24 hours, we pay for everything - from room charges, nursing expenses and intensive care unit charges to surgeon’s fee, doctor’s fee, anesthesia, blood, oxygen, operation theater charges, diagnostics etc.

DAY CARE TREATMENT

We also pay for your medical expenses if you undergo a day care treatment at a hospital, that requires hospitalization for less than 24 hours - we cover the most comprehensive range of day care treatments.

DOMICILIARY HOSPITALIZATION BENEFIT

We will reimburse the medical expenses incurred by you during your treatment at home, as long as it involves medical treatment for a period exceeding 3 days and had actually merited hospitalization.

PRE & POST HOSPITALIZATION

A hospital admission is usually preceded by a series of doctor visits and diagnostic tests; and similar expenses are incurred even post-hospitalization. We cover you for all expenses incurred before and after your hospitalization.

AMBULANCE COVER

It is of vital importance that when required, you receive medical attention in time. We will reimburse you for expenses that you incur on an ambulance service offered by the hospital or any service provider, in an emergency situa-tion.

COVERAGE FOR NON MEDICAL EXPENSES

‘Daily allowance’ will help you take care of the incidental non-medical expenses (attendant meals, transportation etc.) incurred during hospital stay.

COMPREHENSIVE COVERAGE

COME JOIN IN ANYTIME -

Be a part of the Religare family anytime as we do not have any upper limits on entry age.

LIFELONG RENEWABILITY

We are with you Hamesha as we cover you for life

CARE ANYWHERE

Our care knows no boundaries; literally. We let you decide whether you wish to avail certain specialized treatments in India or abroad.

AVAIL THE TREATMENT OF YOUR CHOICE

As far as we’re concerned, it is your money - our plans come without any cap on vital expenses like doctor/surgery fees, operation theater & allied charges, to name a few.

REVIEW YOUR DECISION

After purchasing the policy, if you find it unsuitable, you can cancel and return the policy to us with no questions asked. Our policies come with a free-look period of 15 days.

FLEXIBLE

REWARDING

ANNUAL HEALTH CHECK-UP - REGARDLESS OF CLAIM HISTORY

Your health is important to us. Hence, we provide an annual health check-up for yourself and adult members of your family covered by the policy.

INCREASE IN SUM INSURED

Should you ever feel the need to increase your sum insured, we offer you the option of doing so, keeping all the other features and benefits of your base sum insured intact.

NO CLAIM BONUS

If you do not have any occasion to claim health insurance in a particular year, you receive an increase of 10 per cent in your sum insured on subsequent renewal.

Cumulative no claim bonus is up to a limit of 50% of your SI.

TAX BENEFIT

Avail of a tax benefit on the premiums you pay towards your health insurance, as per prevailing tax laws U/s 80D of the Income Tax Act, 1961.

and MUCH MORE

RECHARGE YOUR POLICY

If, due to claims made, you ever run out of/exhaust your health cover, we reinstate the entire sum insured of your policy.

ORGAN DONOR COVER

We will reimburse you for medical expenses that are incurred by an organ donor while undergoing the organ transplant surgery.

Our care even extends to those who care for you.

SECOND OPINION

If you are suffering from a serious illness and feel uncertain about your diagnosis or wish to get a second opinion of an expert/doctor, we arrange one for you, free of cost.

- AT A GLANCE

In-patient Care�

Pre & Post Hospitalization

Organ Donor Cover

No Claim Bonus

No Upper-Limit Age Bar

Longer Policy Term

Floater Cover

Day Care Treatments

Lifelong Renewability

Second Opinion

Direct Claims Service

Care Anywhere

Daily Allowance Health Check-up

Ambulance Cover

Domiciliary Hospitalization

Recharge your Policy

Tax Benefit

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Age / Sum Insured

Upto 5 years

6 years to 18 years

19 years to 45 years

46 years and above

Sum Insuredup to 5 Lac

No

No

No

Yes

Sum Insured 7 Lac & 10 Lac

No

No

Yes

Yes

Sum Insured above 10 Lac

No

Yes

Yes

Yes

YOU WOULD BE REQUIRED TO UNDERGO MEDICAL TESTS BASED ON THE FOLLOWING GRID AT OUR NETWORK PROVIDERS

Note: Cost of the medical tests (Rs.825 or Rs.2250, whichever is applicable) will be deducted from the premium paid, in case of proposal rejection or return of policy during free-look period.

PRE-POLICY MEDICAL CHECK-UP

THESE TESTS ARE NOT

CHARGEABLE TO YOU

PRE-POLICY MEDICAL CHECK-UP

Set 1

CBS, ESR, URA, GPE

HBA1C

S Cholesterol, ECG

SGPT

S Creatinine

Set 2

CBS, ESR, URA, GPE, CXR

HBA1C

Lipid Profile, TMT

LFT with GGT, HBsAg

S Creatinine

General Multi Screen test

Diabetes Screen

Cardiac Screen

Liver Screen

Kidney Screen

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You are covered for expenses incurred for a period of:

30 days immediately prior to the date of the Insured Person’s admission to the Hospital; and

60 days immediately following the date of the Insured Person’s discharge from Hospital.

Medical Expenses claimed must relate to the same Illness/Injury for which we have accepted the Insured Person’s Claim.

In case of relapse

The date of admission to Hospital shall be the date of the first admission to the Hospital for that illness.

The date of discharge from Hospital shall be the last date of discharge from the Hospital in relation to that Any One Illness.

PRE & POST HOSPITALIZATION

List of 171 Day Care Treatments

DAY CARE TREATMENTS

Tonsillectomy

Operation of cataract

Incision of the cornea

Blood Dialysis

Cancer Radiotherapy

Cancer Chemotherapy

Incision of the prostate

Surgery for ligament tear

Removal of metal wire

Coronary angiography

We cover the medical expenses incurred for various surgeries that do not require a minimum of 24 hours of hospitalization under the Day Care Treatment Benefit

Under this benefit, we pay the insured a daily allowance, depending on Sum Insured, for each continuous and completed day (24 hours) of Hospitalization of the Insured Person.

Key points:

The benefit of Rs.500 per day will be payable for a maximum of 5 consecutive days of Hospitalization.

Hospitalization should be only for In-patient Care.

The amount is provided to help the insured meet non-medical expenses (attendant’s meals, transportation etc.)

DAILY ALLOWANCE

ORGAN DONOR COVERIn case any organ transplant surgery is conducted on the insured during the policy period, we will cover the medical expenses incurred in respect of the donor related to donor screening, treatment, including surgery to remove organs from the donor.

The organ donated is for the Insured Person’s use.

We do not cover the donor’s Pre-hospitalization and Post-hospitalization expenses or any other Medical Expenses in respect of the donor consequent to the harvesting.

ANNUAL HEALTHCHECK-UP

We provide the insured and his adult family members with a Free Annual Health Check-up, at any time during the policy year

Package No.

1

2

3

Age

18 years and above

18 years and above

18 years and above

List of Medical Tests covered in the Annual Health Check-up

Complete Blood Count, Urine Routine, Blood Group, ESR, Fasting Blood Glucose, ECG, S Cholesterol, SGPT, Creatinine

Complete Blood Count, Urine Routine, Blood Group, ESR, Fasting Blood Glucose, Lipid Profile, Kidney Function Test, Complete Physical Examination by Physician

Complete Blood Count, Urine Routine, Blood Group, ESR, Fasting Blood Glucose , Lipid Profile, Stress Test (TMT) or 2D echo, Kidney Function Test, Complete Physical Examination by Physician

Plan

2, 3, 4 Lac

5, 7, 10 Lac

15, 20, 25, 50, 60 Lac

NO CLAIM BONUSWe increase your sum insured by 10% of the expiring policy sum insured

if you do not file a claim during the previous policy period.

This benefit accrues every year up to a maximum of 50% of the total

Sum Insured in the renewed policy.

The increase in Sum Insured under this Bonus does not increase the sub

limits applicable to the policy.

In case of a claim in any policy year, the Sum Insured is reduced by 20%

of the expiring policy sum insured but not lesser than the Sum Insured

applicable in the first policy year.

We cover expenses incurred by the Insured on availing Ambulance services for necessary transportation to the nearest Hospital in case of an Emergency.

The necessity for Ambulance transportation should be certified by the treating Medical Practitioner.

WHAT IS AMBULANCE COVER?

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The insured may opt for a policy term of 1 or 2 years.

A longer policy term will entitle the insured to a 7.5% discount on premium.

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Under a Floater option, you, your spouse, parents and children can be covered for the sum insured in a single policy.

The Company’s maximum, total and cumulative liability, for any and all Claims incurred during the Policy Year in respect of all Insured Persons, shall not exceed the Sum Insured.

RECHARGE YOUR POLICYIf, due to claims made, you ever run out of/exhaust your health cover, we reinstate the entire sum insured of your policy for the remaining policy period.

The Recharge shall be utilized only after the Sum Insured, No Claims Bonus and No Claims

Bonus Super have been completely exhausted in that Policy Year.

The Recharge shall be available only for all future Claims and not in relation to any Illness

or Injury for which a Claim has already been admitted for that Insured Person during that

Policy Year.

The Recharge will only be applied once for the Insured Person during the Policy Year.

Any unutilized Recharge cannot be carried forward to any subsequent Policy Year.

If the Policy is issued on a Floater basis, then the Recharge will also be available only on

Floater basis.

Sum Insured Available

Claim 1 Filed

Claim 1 Eligible

Balance SI

Recharge Available

Claim 2 Filed

Claim 2 Eligible

Balance SI

3,00,000

2,00,000

2,00,000

1,00,000

3,00,000

4,00,000

3,00,000

1,00,000

3,00,000

3,00,000

3,00,000

-

3,00,000

3,00,000

3,00,000

-

3,00,000

4,00,000

3,00,000

-

3,00,000

2,00,000

2,00,000

1,00,000

Case 3Case 2Case 1

RECHARGE YOUR POLICY

If you wish to port your existing insurance policy to Religare Health, you can avail continuity benefits like no claim bonus & waiting period credits on the applicable Sum Insured.

Applicable Sum Insured equal to = sum insured of the expiring policy + Eligible Cumulative Bonus under the terms of the expiring policy.

You need to apply at least 45 days prior to expiry of your policy to avail portability benefits.

WHAT IS PORTABILITY?

DOCUMENTS TO BE ATTACHED

Proposal Form

OTHER DOCUMENTS

Premium instrument

Previous Policy

Sum Insured

2,00,000

2,00,000

Cumulative Bonus

50,000

50,000

RHICL Policy Available Limits

SI Opted

3,00,000

4,00,000

Sum Insured

3,00,000

4,00,000

Continuity Benefit

2,50,000

2,50,000

Explanation: ‘Availabile Limit – SI’ is the overall SI available whereas ‘Available Limits – Continuity Benefit’ is the SI up to which continuity benefits are available

Definition of Pre Existing Condition in (4 year wait period (PED)): Any illness/injury which is diagnosed or any medical advice is received or which is being treated within immediate 48 months prior to the first policy start date.

We cover the insured for Medical Expenses incurred outside India, if such

expenses are in respect to any of the major illness specified below:

Cancer | Benign Brain Tumour | Heart Valve Replacement

Coronary Artery Bypass Graft | Major Organ Transplant

The Medical Expenses incurred should pertain only to In-patient Care or Day

Care Treatment undertaken in any Hospital.

The payments under this Add-on Benefit shall always be made in India, in Indian

Rupees and on a re-imbursement basis only.

Also, the insured should give the Company prior notice before incurring any

such expenses.

CARE ANYWHERE

Medical Expense

Room Rent (room+boarding + nursing expenses)

ICU (ICU+boarding+nursing expenses)

Sub-limit (on a per Claim basis per Insured Person)

Room Rent limit = 1% of Sum Insured per dayIf the Insured Person is admitted in a room where the Room Rent incurred is higher than the Room Rent limit specified above then the Policyholder shall bear the ratable proportion of the Variable Medical Expenses in the proportion of the

(Room Rent actually incurred – Room Rent Limit)

Room Rent actually incurred

This shall be applicable to all Variable Medical Expenses (including surcharge/taxes thereon) incurred during the stay in the Hospital room.

ICU limit = 2% of Sum Insured per dayIf the Insured Person is admitted in an ICU where the ICU charges incurred are higher than the ICU limit specified above then the Policyholder shall bear the ratable proportion of the Variable Medical Expenses in the proportion of the

(ICU charges actually incurred – ICU Limit)

ICU charges actually incurred

This shall be applicable to all Variable Medical Expenses (including surcharge/taxes thereon) incurred during the stay in ICU.

THE PAYMENT MADE TO YOUR HOSPITALIZATION CLAIM WOULD BE SUBJECTED TO FOLLOWING LIMITS

CARE SUB-LIMITS

CO-PAYApplicable only on plans of Rs.5 lakh & above.

In case of claim by individuals above the age of 60 years, 20% of the final claim amount will be borne by the insured, balance by the Company.

eldest member is more than 60 years, the copay is applicable to all members.

EARLY ENTRY AGE

Enrolment eligibility age starts from 91 days and has no upper-limit

age cap.

LIFELONG RENEWA

BILITYOnce enrolled, enjoy

lifelong renewability of your policy.

GRACE PERIODIn case the Policy is not renewed before the policy

expiry date, we give you a 30-day grace period to pay the renewal premium without any loss of continuity

benefits such as Waiting Periods and No claim bonus entitlements.

No coverage is available for the interim period between policy expiry date and premium

payment date.

The Company shall not be liable for any Claims incurred during such period.

Premium is always computed for completed age as on last birthday.

For example, if the age is 33 years and 11 months 30 days, the age

on the age of the eldest member.

An individual can cover any of 17 relationships in an individual policy

for the purpose of insurable interest-

Self, Husband, Wife, Son, Daughter, Father, Mother, Brother, Sister,

Grandfather, Grandmother, Grandson, Granddaughter, Son-in-law,

Daughter-in-law, Father-in-law and Mother-in-law.

KEY POINTS: POLICY ISSUANCE

If there is no history of any pre-existing disease then the

relevant columns shall be filled in as “None”.

Premium can be collected in any manner other than CASH.

The payer of the premium and proposer can not be different.

Post-dated cheques are not allowed.

KEY POINTS

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SMART-

INSTANT-

ON YOURFINGERTIPS

Calculate Premium for an insurance policy with the given details

Locate the nearest Religare Health branch

Locate the nearest hospital in Religare Health network

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THIS APPLICATION HELPS TO

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��FIND THE NEAREST HOSPITAL IN THE NETWORK

“WELL DONE IS BETTER THAN WELL SAID.”

“WHEN YOU SERVE THE CUSTOMER BETTER, THERE'S ALWAYS A RETURN ON YOUR INVESTMENT.”

“DO WHAT YOU DO SO WELL THAT THEY WILL WANT TO SEE IT AGAIN AND BRING THEIR FRIENDS.”

DISCLAIMER

This is only a summary of product features. The actual benefits available are as described in the policy and will be subject to the policy terms and conditions. Please seek the advice of your insurance advisor if you require any further information or clarification.

The information and materials contained in these pages and the terms, conditions, descriptions that appear thereon are subject to change. They should not be regarded as an offer, solicitation, invitation advise regarding any insurance product of RHICL.

Insurance is the subject matter of solicitation.

For more details on terms and conditions, exclusions and waiting periods please visit www.religarehealth.com

No content provided here can be reproduced in any format.

For a complete list of Day Care treatments, please visit religarehealth.com.

Prohibition of Rebates (under section 41 of Insurance Act, 1938): No person shall allow or offer to allow, either directly or indirectly as an induce ment to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property, in India any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a Policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectus or tables of the insurers. Any person making default in complying with the provision of this section shall be punished with fine, which may extent to five hundred rupees.

Religare Health Insurance-CARE SUPER NCB (CONTACT-9136189547/9717440118

Healthcare

Transcript of Religare Health Insurance-CARE SUPER NCB (CONTACT-9136189547/9717440118