Religare Health Insurance Review: Comprehensive Health Insurance Plans

Religare Health Insurance Review: Comprehensive Health Insurance Plans

Religare Health Insurance offers a range of comprehensive health insurance plans.

Good for

  • Individuals looking for comprehensive insurance
  • Consumers with pre-existing heart conditions
  • Senior citizens

Bad for

  • Consumers seeking the cheapest possible premiums
  • Young and single individuals looking for basic health insurance

Editor's Rating

4.0/5.0

Religare Insurance is a great option for consumers looking for an insurance company that is versatile and offers insurance plans that are widely applicable to people of all ages. These plans are also inclusive of different health conditions. This makes Religare a great insurer to consider when applying for individual or family health insurance.

What Makes Religare Health Insurance Stand Out?

Religare Health Insurance stands out as a prominent health insurer. It has a legacy and is associated with health units like Fortis Healthcare, Religare Wellness, and SRL Diagnostics. This adds credibility to the already successful track record that Religare Insurance has. Religare's health insurance plans cover a wide array of patient types and even adhere to specified diseases, such as heart disease. Additionally, Religare offers insurance plans that can be used internationally and has a wide network within India for regular health insurance as well.

Religare products are also great for large families as they have insurance products that cover a multitude of conditions. For example, for those looking for their immediate family and children can look to the comprehensive plan; however, if you also have a parent with heart conditions or suffering from old age, there are plans for them as well. Religare also offers services outside of India, this will be useful for frequent travellers too.

Religare Health Insurance Premium Averages

Like all health insurers, Religare charges various premiums depending on the insured individual's age and the policy's sum insured. The sum insured amount is the amount that the insurance company is obligated to cover for the patient per policy period. In the toggles below, we show the monthly premium depending on the primary insured indvidual's age and the sum insured amount. We also break out each plan's price based on their designation as family and individual plans.

Individual Health Insurance Plans

Individual health insurance plans are great for single consumers looking for health insurance coverage. The number of plans offered by Religare increase as the ages of the applicant increases. There are 3 total plans offered to consumers for individual health insurance policies. The first is the Care Freedom Plan. This plan is a comprehensive insurance plan with a lower waiting period for pre-existing conditions. Instead of the normal 4 year wait, patients will only have to wait 2 years to be treated. The second health insurance plan is the Care Heart Plan. This plan is directed at individuals who have heart disease and offers an annual complimentary check-up for anything heart related. The third plan offered is the Senior Care Plan. This plan is only offered to individuals over the age of 60. This plan is also relatively cheaper for seniors that are looking at other Religare health plans or many competitor plans.

Plan NameSum Insured RangePremium Range
Care Freedom - Plan 1Rs. 500,000 - Rs. 300,000Rs. 6,236 - Rs. 5,384
Care HeartRs. 700,000 - Rs. 300,000Rs. 12,275 - Rs. 7,085
Plan NameSum Insured RangePremium Range
Care Freedom - Plan 1Rs. 500,000 - Rs. 300,000Rs. 6,236 - Rs. 5,384
Care HeartRs. 700,000 - Rs. 300,000Rs. 12,275 - Rs. 7,085
Plan NameSum Insured RangePremium Range
Care Freedom - Plan 1Rs. 500,000 - Rs. 300,000Rs. 8,267 - Rs. 6,947
Care HeartRs. 700,000 - Rs. 300,000Rs. 15,684 - Rs. 9,235
Plan NameSum Insured RangePremium Range
Care Freedom - Plan 1Rs. 500,000 - Rs. 300,000Rs. 14,267 - Rs. 11,380
Care Freedom - Plan 2Rs. 1,000,000 - Rs. 700,000Rs. 19,451 - Rs. 17,318
Care HeartRs. 700,000 - Rs. 300,000Rs. 25,033 - Rs. 14,426
Plan NameSum Insured RangePremium Range
Care Freedom - Plan 1Rs. 500,000 - Rs. 300,000Rs. 23,939 - Rs. 19,827
Care Freedom - Plan 2Rs. 1,000,000 - Rs. 700,000Rs. 36,846 - Rs. 31,102
Care HeartRs. 700,000 - Rs. 300,000Rs. 40,621 - Rs. 23,081
Care SeniorRs. 1,000,000 - Rs. 300,000Rs. 25,829 - Rs. 14,448

Family Health Insurance Plans

Family health insurance plans are great to provide health coverage to both immediate and extended family. While looking for family plans, it is important to purchase based on the sum insured amount for your plan. If you have a larger family with more pre-existing health conditions, you would opt for a plan that offers high sum insured. However, if you have a smaller and younger family it would be better to apply for lower sum insured. The most comprehensive plan offered is the Care Health Plan.

The family plans offered are the Care Health Plan, Care Freedom Plan, Care Freedom Plan 1 and 2, Care Heart Plan, and Care Senior Plan. The Care Health Plan is the most comprehensive health insurance plan offered by Religare and offers an extremely high sum insured option of Rs. 60,000,000. A solid option for large families. Another insurance plan that is offered is the Care Freedom Plan. This plan is a comprehensive insurance plan as well that allows individuals to have their pre-existing conditions treated within 2 years rather than the regular 4 years. The following plan is the Care Heart Plan. This plan is directed to patients that have heart conditions and offers a free annual heart related check-ups. Finally, Religare also offers a Care Senior plan, which charges a lower premium than most competitors in the market as it is specialized for individuals over the age of 60 years old. See the toggle below for more details on the Religare plans.

Plan NameSum Insured RangePremium Range
Care Health PlanRs. 60,000,000 - Rs. 4,000,000Rs. 313,413 - Rs. 46,394
Care Freedom - Plan 1Rs. 500,000 - Rs. 300,000Rs. 14,320 - Rs. 11,659
Care HeartRs. 1,000,000 - Rs. 300,000Rs. 23,158 - Rs. 11,995
Plan NameSum Insured RangePremium Range
Care Health PlanRs. 60,000,000 - Rs. 4,000,000Rs. 313,413 - Rs. 46,394
Care Freedom - Plan 1Rs. 500,000 - Rs. 300,000Rs. 14,320 - Rs. 11,659
Care HeartRs. 1,000,000 - Rs. 300,000Rs. 23,158 - Rs. 11,995
Plan NameSum Insured RangePremium Range
Care Health PlanRs. 60,000,000 - Rs. 4,000,000Rs. 372,695 - Rs. 55,692
Care Freedom - Plan 1Rs. 500,000 - Rs. 300,000Rs. 17,236 - Rs. 13,881
Care HeartRs. 1,000,000 - Rs. 300,000Rs. 29,025 - Rs. 14,927
Plan NameSum Insured RangePremium Range
Care Health PlanRs. 60,000,000 - Rs. 4,000,000Rs. 623,543 - Rs. 102,901
Care Freedom - Plan 1Rs. 500,000 - Rs. 300,000Rs. 41,851 - Rs. 36,866
Care Freedom - Plan 2Rs. 1,000,000 - Rs. 700,000Rs. 29,003 - Rs. 22,820
Care HeartRs. 1,000,000 - Rs. 300,000Rs. 48,127 - Rs. 24,605
Plan NameSum Insured RangePremium Range
Care Health PlanRs. 750,000 - Rs. 4,000,000Rs. 375,733 - Rs. 138,280
Care Freedom - Plan 1Rs. 500,000 - Rs. 300,000Rs. 67,922 - Rs. 57,828
Care Freedom - Plan 2Rs. 1,000,000 - Rs. 700,000Rs. 43,813 - Rs. 35,091
Care HeartRs. 1,000,000 - Rs. 300,000Rs. 77,502 - Rs. 38,170
Care SeniorRs. 1,000,000 - Rs. 300,000Rs. 49,518 - Rs. 29,985

Religare Health Insurance Review: Benefits

Religare Health Insurance offers their customers a number of health insurance plans that cover different health needs. By selecting the correct healthcare policy, consumers can ensure that they are prioritizing coverage based on their healthcare requirements.

Religare Care Health Plan

The Care Health Plan is a family health insurance policy that provides comprehensive healthcare benefits. These include: health check-ups, in-patient hospitalisation, pre and post hospitalisation, AYUSH coverage, ambulance coverage, and maternity benefits.

The comprehensive plan has a sum insured range that starts at Rs. 300,000 to Rs. 60,000,000. This means that the plan has a very large range for consumers to choose from. The 60 Lakhs of coverage offers an option to consumers looking for huge amounts of coverage.

Religare Care Freedom - Plan 1 & Plan 2

The Religare Care Freedom Plan is a comprehensive health insurance plan, which is offered to all age groups. The plan also has a shorter waiting period of only 2 years, where most other plans have a waiting period of 4 years, for pre-existing diseases. This allows consumers to receive treatment in half the time. Plan 1 offers a sum insured range of Rs. 500,000 and Rs. 300,000. Plan 2 offers a higher sum insured range Rs. 700,000 and Rs. 1,000,000. Due to this, plan 1 offers less benefits.

Religare Care Heart Health Insurance Plan

The Religare Care Heart Plan has a benefit that allows patients to have annual heart related health check-ups free of cost. The plan is very inclusive, but is targeted to those suffering from heart conditions. This policy is also renewable for life, making it perfect for senior citizens suffering from heart conditions. The Care Heart plan has a sum insured range that starts at Rs. 300,000 to Rs. 1,000,000.

Religare Care Senior Plan

The Religare Care Senior Plan is a solid plan for senior citizens. Most healthcare plans offered to seniors are attached with relatively high premiums and have strict check-up times or high waiting periods for pre-existing conditions. This is due to the risk that elderly people have an increased chance of getting sick. The Care Senior Plan by Religare; however, does not follow this pattern. The plan has comparatively low premiums low premiums and is offered only to senior citizens, which helps many consumers and patients that do not have any source of income or are not looking to pay a high premium for their health insurance. This policy is also renewable for life. Life renewability is not common and not having a maximum age limit is valuable for senior citizens. This senior plan is attractive for all those that are eligible to apply.

The plan has a sum insured range that starts at Rs. 300,000 to Rs. 1,000,000.

Religare Health Insurance Plan Exclusions Plan

There are a few downsides to some of these plans. For example, when you look at the Care Health Plan - If you have a lower SI than 5 lakhs, you will be missing out on many of the extra benefits that make this plan worth purchasing. In this instance, you will not be eligible for ambulance coverage over Rs. 1,500 or second opinion coverage.

There are exclusions that differ from plan to plan, like the example above. Exclusions that apply to all plans are the following:

  • Any diagnosis of diseases or surgery with signs and symptoms first occurring prior to 30 days of policy starting period.
  • Treatment due to pregnancy: childbirth, miscarriage, and its conscequences
  • Expenses attributed to self-inflicted injury, such as suicide or attempted suicide
  • Expenses attributed to alcohol and drug misuse/abuse
  • Incurred expenses for AIDS treatment
  • Congenital diseases
  • Tests and treatment relating to infertility and in in-vitro fertilization
  • Hospitalisation due to war, riot, strike, or nuclear weapons.

How to Apply for Religare Health Insurance

To apply for Religare Health Insurance, use the following button to get to the webpage and select your preferred plan.Once you are on the page, you will have to fill out your information for the premium quotes. After this you will apply for the health insurance plan that you have selected through Religare's platform.

Do You Meet the Eligibility Requirements?

Plan NameEligibility Requirements
Care Health Plan
  • Minimum age of entry: 91 days
  • No maximum age
Care Freedom - Plan 1 & 2
  • Minimum age of entry: 18 years for an adult and 90 days for a child
  • No maximum age
Care Heart
  • Minimum age of entry: 18 years for an adult
  • No maximum age and lifelong renewal
Care Senior
  • Minimum age of entry: 61 years
  • No maximum age and lifelong renewal
Sahmi Chowdhury

Sahmi is a Junior Research Analyst specialising in credit cards and insurance in India. He previously worked in the financial services sector at Brown Brothers Harriman and True Capital Management.