7 Common Misconceptions About Health Insurance Plans

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Religare Health Insurance has plans recommended to provide wide and extended coverage at affordable rates. The health insurance plans of Religare health insurance are power-packed with valuable benefits and exceptional after-sale-services.

  1. Religare Care Health Insurance Plan
    Care is a basic health insurance plan which offers restore benefit, regular health check-up, no claim bonus and regular coverage for hospitalization expenses.

Individual Coverage
Provides coverage in the range of INR 3, 00,000 and INR 60, 00,000 for individuals of any age.

Family Coverage
Covers health costs of the entire family in the range of INR 3, 00,000 and INR 60, 00,000.
Covers a maximum of 2 adults and 4 children in the family of any age.

A.Religare Care (Super no-claim bonus)

  • Individual Coverage
    Coverage in the range of INR 3,00,000 and INR 25,00,000 for individuals of any age.
  • Family Coverage
    Covers a maximum of 2 adults and 4 children in the family of any age with coverage of INR 3, 00,000 and INR 25, 00,000.

2. Religare Enhance Health Insurance

  • Individual Coverage
    Offers coverage of INR 5, 00,000 with a deductible in the range of INR 1, 00,000 and INR 10, 00,000.
  • Family Coverage
    Offers coverage of INR 5, 00,000 with a deductible in the range of INR 1, 00,000 and INR 10, 00,000.

3. Religare Assure: Critical Illness and Personal Accident Cover

  • Coverage from INR 5, 00,000 and INR 1, 00, 00,000.

4. Religare Joy Health Insurance
Religare Joy is a comprehensive health insurance targeting majorly pregnant women by providing them an additional shield against hospitalization expenses through pregnancy.

7 common myths about health insurance in India?

  • Pre-existing Diseases-We is always anxious about the pre-existing disease clause of a mediclaim policy. It is just a clause which comes with your health policies if you have a certain disease. Nothing more than that. If you are healthy there is no problem.
  • Cashless eases everything-Cashless is the solution to your all medical worries. No, it is not such matter. Your hospital should be a willing partner in the cashless facility of your mediclaim insurance provider. If the claim desk at your hospital is not operational 24×7, you may have to pay certain amounts from your own pocket at the time of hospitalization. In addition, you have to be hospitalized in the cashless network hospitals of the insurance provider.
  • Pregnancy won’t be covered: Pregnancies are now covered albeit conditionally, so when you are opting for a mediclaim policy in India, check out thoroughly the pregnancy clause and also its conditions.
  • Hospitalization for 24 Hours: A very common myth about health insurance in India is the need to be hospitalized for 24 hours in order to make a claim. 24 hours hospitalization is required only where ‘necessary’ as mentioned in the policy.
  • Compare the Waiting period for Pre-Existing Diseases: At the time of taking the mediclaim policy, pre-existing disease clauses are only applicable if you have any diseases. So you are just wasting your time and energy by comparing the pre-existing disease clause in various policies before buying if you are literally healthy.
  • Long list of Covered Day Care procedures: Another myth about mediclaim is that more exhaustive list of covered day care procedures it covers, better will it be. For instance, if you compare 30 day-care procedures to a policy covering 100-day care procedures, everybody will opt for the 100 one. WRONG.
  • Room Rent Capping is a Big Deal: Room capping is simply put equivalent to the amount of premium you pay. Health Insurance has not capped but even if they do, it not a reason to reject the policy, since is based on you get what you pay principle.