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IndusInd Bank brings Religare Enhance that gives extra safety net of coverage at a significantly lesser premium as compared to any basic insurance plan

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Overview

IndusInd Bank brings to you Religare Health Insurance's comprehensive insurance solutions, designed exclusively for privilege customers of our bank. With industry first features, wide range of sum insured options and hassle free procedures, you can be rest assured you will be totally worry free, always.

Considering the growing medical inflation, you sure don’t want that extra burden turning your world upside down. Which is why, at Religare Health Insurance (RHI), we have designed Enhance - a customized deductible health insurance for you and your family. With Enhance, you have that extra safety net of coverage at a significantly lesser premium as compared to any basic insurance plan.

Be worry free ‘hamesha’ with industry best features:

  • Cashless treatment at 4000+ hospitals & Daily allowance
  • Get health check-ups for insured members, every year
  • Avail treatment anywhere in the world
  • Largest list of day care procedures-170
  • No 'Claim based' loading ever & Get Lifetime renewability
  • No paperwork required. Buy & get policy online in 2 mins
  • 'No Co-Payment' Plans available & many more benefits

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Features & Benefits

Plan Options
Features/Plan (Sum Assured) Enhance 1  
Deductable (or existing Policy Sum Insured) 1 Lakh, 2 Lakh, 3 Lakh, 4 Lakh or 5 Lakh 6 Lakh, 7 Lakh, 8 Lakh, 9 Lakh or 10 Lakh
Sum Insured 1 Lakh to 25 Lakh ( As multiple of 1, 2, 3 4 or 5 time of deductable) 6 Lakh to 30 Lakh ( As multiple of 1, 2, 3 times  of deductable)
In Patient care Up to Sum Insured
Pre Hospitalization 30 Days
Post Hospitilazion 60 Days
Day Care Treatment Yes
Room Rent Category Single Private Room
ICU charges, Doctor's fee etc No Limit
Organ Donor cover Yes
Health Checkup Yes
Expert Opinion Yes

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Plan Details

Some of the features which you get with Enhance health policy are -

No Sub-Limits !

As far as we are concerned, it is your money – All our plans come without any cap on vital expenses like doctor/surgeon fees, operation theater & allied charges, to name a few. No room rent limit charges plans start from 5 Lac.

Avail Health Check-ups, every year

Our wish is your good health. To pre-empt your ever having to visit a hospital, you can avail our comprehensive health check-ups for yourself and adult members of your family covered by the policy, every year. Even if you make a claim with us! Just call our call center anytime, to schedule your appointment. Its simple.

Hospitalization & Day Care Treatment

If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours, we pay from room charges to operation theatre charges and more. We also pay for your medical expenses if you undergo even a day care treatment at a hospital that requires hospitalization for less than 24 hours - we cover a comprehensive range of 170 day care treatments, the highest in industry. You will also get cashless treatment at our over 3500+ network hospitals and reimbursement in any other hospital of your choice.

Pre & Post hospitalisation

We cover the medical expenses incurred by you even 30 days before your hospitalization. There may also be follow-up visits to your medical practitioner, medication that is required etc. We cover the related medical expenses incurred by you after your hospitalization also, for a period of 60 days.

Avail Treatment anywhere in the World

Our care knows no boundaries; literally. So, while we ensure you have access to the best healthcare services, we leave it to your discretion whether you would wish to avail certain specialized treatments in India or abroad and reimbursed as per policy. Available for sum insured of 50 and 60 Lakhs plans.

'No Co-Payment' Plans

Co-payment means the insured would have to pay a part of the claim amount. Generally, companies ask for 20%. But ALL of our plans are 'No Co-payment' plans for entire life, if the person to be insured is less than 61, at the time of 1st buy of the policy. If the person is more than 61 yrs at the time of 1st buy of policy, they can choose 3 or 4 Lakhs to have 'No Co-Payment' Option plan.

No 'Claim-based' loading & Get Lifetime Renewability

We want you there for you, for your entire life. That's why none of our plans have any 'Claim-based loading' of premiums at the time of renewals. The Policy can also be renewed lifelong under the prevailing Health Insurance Product or its nearest substitute approved by IRDA.

Review your decision

After purchasing your policy, if you find it unsuitable, you can cancel the same with us. Our policy comes with a free look period of 15 days.

Other great benefits you also get are

There's still lot more we have for you! All our policies are eligible for claiming deduction for Tax Benefit under section 80D, Floater Cover, Ambulance expenses covered, Organ donor medical expenses covered, Domiciliary hospitalization covered, Increase your Policy's Sum Insured even later, 7.5%Discount on 2 year policy terms, online instant health insurance buy and more.

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FAQs

What is deductible plan ?

Deductible Plan works on the simple principle of Policy Deductible, which is the pre-defined amount that you will bear, through your own finances or any other source, during a medical event Any amount over and above policy deductible will be borne by us. The pre-specified deductible can be reduced/exhausted using the principle of aggregation. Simply put, if you opt for a 6 lac Sum Insured with deductible of 2 lac, then 2 lac will be borne by you and 6 lac over and above the deductible of 2 lac will be borne by us.

What is the difference between a family floater and critical illness or hospital cash insurance?

The individual or family floater health insurance works on the principle of indemnity. This means that these insurance policies will pay you only what you have spent for medical treatment in hospital. On the other hand, the critical illness or the hospital cash insurance pays you the amount insured, irrespective of the amount spent for medical treatment. These are a benefit based policies.

How would I benefit by buying health insurance at a young age?
  • Health insurance premium tends to increase with age - more the age, higher the premium.
  • You can be covered for medical conditions that may be diagnosed over the years provided there is no break in the policy.
  • In addition, each 'no claim’ year would fetch you a discount on your premium or an increase in your sum insured amount at no extra cost. The treatment in case of ‘no-claim’ bonus varies from company to company.
  • Lastly, income tax benefit under Section 80 D of the Income Tax Act.
Why is it necessary for me to disclose my current health status correctly and accurately while I buy a health insurance policy?

Insurance is a contract of utmost good faith. It always pays to be honest. Declaring the correct and accurate health status at the time of buying health insurance ensures smooth processing of your application. This will also help us service you in a better manner.

What is beneficial for me - floater insurance or an individual insurance?

Buying an individual cover or a floater cover is an individual's perception. However, as a general rule, at younger ages floater cover is advisable. As you grow older, you should go for an individual cover.

How does a Floater cover work?

For instance a person wants a health insurance for himself, his spouse & their children, the Family Floater plan offers insurance coverage to the entire family under one premium payment. Let's take an example wherein the person insures himself, his spouse & the dependent children with the individual insurance plans with a sum insured of Rs. 1 lakh each, he ends up paying premium ranging between Rs. 1000 - Rs. 2000 for each family member. On the other hand if the person would have opted for the family floater plan with the sum insured of Rs. 3 lakhs, the total premium would surely be less than the separate premium payments in individual health insurance plans. Moreover the separate health plan holds the cover of only Rs. 1 lakh as against Rs. 3 lakh in case of the Floater plan thus helping the family in case the medical treatment costs go beyond that. This 3 Lac is available for each of the family members individually as well as collectively.

Do I need to undergo a medical check-up while buying a health insurance policy?

You may be required to undergo a medical check-up after you buy, incase any member to be insured is above 45 age or for sum insured 15 Lakhs or above. In most of the cases, the medical tests are done in your home, after taking appointment from you. No payment is required upfront for the same. Incase the policy is issued, you will not be charged anything. However, if the policy is declined/Canceled, medical charges will be deducted from the refundable premium amount. This will enable us a better understanding of your current and future health requirements. For further details, please refer to the prospectus or call 1800-200-4488 (Toll free).

How do I cancel my health insurance policy?

We offer a free look period to review your policy terms and conditions. In case you are not satisfied with these, you can request for cancellation of your policy during this period. You will be charged the pro-rated premium for the period during which your policy was in-force, the cost of pre-policy health check-up, if any, and the stamp duty. The balance premium would be refunded.

Also, you can request for cancellation of your policy at any time during the policy period. You will be refunded the premium amount as per the short scale grid. The grid is available in your Policy Terms and Conditions. However, in case you have reported any claim with us, you will not be entitled to any refund of premium on cancellation of the policy.

Why do I need health insurance?

Everyone is exposed to various health hazards. If you don’t have Health Insurance, you end up paying hefty medical bills in the event of hospitalization out of illness or injury from your own pockets. Effectively, this means that your savings would become nil. Or in case your do not have enough money for treatment; you may have to borrow and incur a debt for medical treatment. 

In such circumstances, health insurance comes to your rescue. It is a means to shield you against unforeseen financial medical urgency due to illness of injury.

Health insurance covers the cost of private medical treatment for illness and injury that is curable.

Health insurance is necessary owing to increasing medical costs these days & uncertain environment.Therefore, insuring your family against Health Insurance is a must & should surely be a part of your regular financial planning.

What is Co-payment?

Health Insurance companies use Co-Payment after insured member turns a certain age. Co-pay is that part of your claim amount, which you have to bear. Co-pay can be in % terms or an absolute amount. For example, in case of co-pay of 20% and claim of Rs. 10,000, we will pay you Rs. 8,000 (80% of 10K) and you will bear 20% (Rs. 2,000). In Religare Health Insurance policy there is No Co-payment ever, in policy Sum Insured 2/3/4 Lakhs.For Sum Insured > 4, there will be no co-payment ever, if insured with us before age of 61.

What are the documents required for portability?

You can apply for CARE under portability with following documents:

  • CARE proposal form
  • Portability form
  • Copy of expiring health insurance policy
  • Copy of renewal notice

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