Pregnancy Insurance Cover policy Religare

Pregnancy Insurance Cover policy Maternity Insurance cover Buy now

Religare Health Insurance launch Maternity Insurance Plan - Buy instant policy, No paper work‎ with Cashless @ 4100 hospitals. Religare Health Insurance launch one of the most joyous experiences one can ever have. 

That’s why we have designed ‘JOY’ - that not only covers hospitalization expenses during pregnancy but also addresses your maternity and health needs, for both today and tomorrow.

When a member of your family is sick or hurt, the last thing you want to think about is how you’re going to pay for it. You just want them to get the care they need right away. 


That’s why its important to do your homework now and get the right family health insurance plan today so you don’t have to think about it when something does come up.Health insurance plans that provide maternity coverage will generally cover the standard medical costs associated with a healthy pregnancy. 

 

‘JOY’ -  with Maternity and new born cover has unique features like Health Insurance Policy

• Cashless treatment at 4100+ hospitals
• A perfect blend of hospitalization and maternity insurance
• Industry’s lowest 'Waiting period' of only 9 months for maternity related claims.
• New born baby cover
• 100% increase of sum insured with no claim bonanza

Plan Details
Sum Insured – On annual basis	Rs. 3 Lakh	Rs. 5 Lakh
Hospitalisation Expenses	Yes, up to Sum Insured	Yes, up to Sum Insured
Room Category	Single Private Room with AC	Single Private Room with AC
Pre-Hospitalisation Medical Expenses	Up to 30 days	Up to 30 days
Post-Hospitalisation Medical Expenses	Up to 60 days	Up to 60 days
Ambulance Cover	Up to Rs. 1,000 per Claim	Up to Rs. 1,000 per Claim
Maternity Cover (including Pre-natal & Post-Natal expenses)	Up to Rs. 35,000	Up to Rs. 50,000
Newborn Baby Cover	Up to Rs. 30,000	Up to Rs. 50,000
No Claim Bonanza (Optional Benefit)	Yes	Yes

Policy Terms
Entry Age - Minimum	Adult: 18 years
	Child: 1 Day
	New Born: 1 Day
Entry Age - Maximum	Adult: 65 years
	Child: 24 years
	New Born: 90 Days
Exit Age	Lifelong
Cover Type	Individual/ Family Floater
Renewal	Lifelong Renewability. The policy can be renewed under the then prevailing Health Insurance with Maternity Benefit Product or its nearest substitute approved by IRDA
Co-payment	If you enroll at the age of 61 years or more, you will have to pay 20% of the claim amount under the policy. We pay the rest.
Waiting Period	30 days for any illness except accident
	9 months for maternity
	2 years for specific treatments/illness
	4 years for pre-existing diseases
Grace Period	30 days from the date of expiry to renew the policy
Policy Tenure	3 years
Maternity Cover	Available only up to 45 years of age

What is not covered? 

• Any pre-existing ailment/injury that was diagnosed/acquired within 48 months prior to issuance of the first policy
• Any diseases contracted during first 30 days of the policy start date except those arising out of accidents
• Non-allopathic treatment.
• Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
• Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
• Cost of spectacles/contant lenses, dental treatment
• Medical expenses incurred for treatment of AIDS
• Congenital disease
• Tests and treatment relating to infertility and in-vitro fertilisation.   http://www.religarehealthinsurance.com/hp/khalidachandkhan
  
  
  

http://www.religarehealthinsurance.com/hp/khalidachandkhan

Health Insurance

Best Health Insurance in India

We believe in complete 'Care' for you & your family

With Religare Health Insurance plan's comprehensive coverage, speedy claim settlements and much more, you can be rest assured you will be worry-free 'hamesha' and get industry's best features.


‘Care’ - Health Insurance Policy has unique features like -

• Cashless treatment at 4000+ hospitals & Daily allowance
• Auto recharge of your policy Sum Insured, if exhausted
• Get health check-ups for insured members, every year
• Avail treatment anywhere in the world
• Day care procedures also covered - 170
• No 'Claim based' loading ever & Get Lifetime renewability
• No paperwork. Buy & get policy online in 2 mins

Care - Health insurance policy comes with a wide range of benefits for you. Kindly refer to the below table.

Plan Options
Features (Sum Insured )	3 Lac, 4 Lac	5 Lac, 7 Lac, 10 Lac	15 Lac, 20 Lac, 25 Lac	50 Lac, 60 Lac
Pre-hospitalisation	30 days	30 days	30 days	30 days
Post-hospitalisation	60 days	60 days	60 days	60 days
Day Care Treatments	Yes	Yes	Yes	Yes
Room Rent	1% of SI per day	Single Private Room	Single Private Room Upgradable to Next Level	Single Private Room Upgradable to Next Level
ICU Charges	2% of SI per day	No Limit	No Limit	No Limit
Doctor's Fee etc.	No Limit	No Limit	No Limit	No Limit
Other Medical Charges	No Limit	No Limit	No Limit	No Limit
Daily Allowance	500 per day upto 5 days	-	-	-
Ambulance Cover	1,500 per claim	2,000 per claim	2,500 per claim	3,000 per claim
Domiciliary hospitalisation	Up to 10% of SI	Up to 10% of SI	Up to 10% of SI	Up to 10% of SI
Organ Donor Cover	50,000	1,00,000	2,00,000	3,00,000
Annual Health Check-up	Yes	Yes	Yes	Yes
Second Opinion	-	Yes	Yes	Yes
No Claim Bonus	Yes	Yes	Yes	Yes
Auto-Recharge of Sum Insured	Yes	Yes	Yes	Yes
Care Anywhere	-	-	-	Yes

Policy Terms
Minimum entry age	91 days
Maximum age	No age bar
Renewal	Lifelong Renewability. The Policy can be renewed under the then prevailing  Health Insurance Product or its nearest substitute approved by IRDA.
Renewal premium	Premium payable on renewal and on subsequent continuation of cover arc subject to change with prior approval from IRDA.
Co-payment	No Co-payment in policy Sum Insured 3/4 Lacs, for any age.  No Co-payment in policy Sum Insured > 4 lacs ever, if insured with us before age of 61. If above 61 while getting insured with us 1st time, - you will have to pay 20% of the claim amount under the policy, if any. We pay the rest.
Waiting period	30 days for any illness except injury
Waiting period for pre-existing illnesses	Four years of continuous coverage
Change in sum insured	You can enhance your sum insured under the policy only upon renewal
Grace period	30 days from the date of expiry to renew the policy

For more details, kindly refer to our health insurance Policy's terms & conditions.

The standard policy exclusions are - 

• Any pre-existing illness.
• 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
• Medical expenses incurred for treatment of AIDS
• 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.

For more details, kindly refer to our health insurance policy's detailed exclusion list.