Religare Assure
Religare Assure is a comprehensive cover for 20 Critical Illnesses along with a Personal Accident Cover which has some good features such as second opinion and child education cover.
Key Features
20 Critical Illnesses
Critical Illness, Surgical Procedures, Medical Events
While an indemnity health cover is a reimbursement plan, critical illness cover is a benefit plan where you get a lump sum amount when diagnosed or operated for any of the below specified critical illness:
- Cancer
- End Stage Renal Failure
- Multiple Sclerosis
- Benign Brain Tumor
- Motor Neurone Disorder
- End Stage Lung Disease
- Major Organ Transplant
- Heart Valve Replacement
- Coronary Artery Bypass Graft
- Stroke
- Paralysis
- Myocardial Infarction
- Major Burns
- Coma
- Blindness
- Parkinson’s Disease before the age of 50 years
- Alzheimer’s Disease before the age of 50 years
- End Stage Liver Disease
- Bacterial Meningitis
- Aplastic Anemia
Annual Health Check-up
The company will pay a lump sum amount equal to the Sum Insured in the event of Accidental Death or Permanent Total Disablement of the insured.
If you are suffering with a critical illness and wish to get a second opinion of an expert/doctor, the company will arrange one for you, at no extra cost
Tax Benefit
In case you ever suffer from any of the specified Critical Illnesses or unfortunate accident leading to death or permanent total disablement, we pay an additional lump sum amount (10% of the Sum Insured) towards the education of your children.
The company provides a health check-up, once in a policy year, for you to stay health
Eligibility
| Minimum | Maximum | |
| Coverage Amount (in Rs.) | 5,00,000 | 1,00,00,000 |
| Policy Term (in years) | 1 | 3 |
| Entry Age (in years) | 18 | 65 |
| Renewable till Age (in years) | - | Lifelong |
| No Medical Test Age (in years) |
Refer below grid |
|
Medical Check-up Grid
| Age / Sum Insured | Up to 10 lac | Above 10 lac |
| Up to 45 years | No | Yes |
| 46 years and above | Yes | Yes |
Exclusions
- Any pre-existing illness
- Any diagnosis of diseases / undergoing of surgery / occurrence of event, whose signs or symptoms first occur within 90 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
- Cosmetic & aesthetic and obesity related treatment
- Tests and treatment relating to infertility and invitro fertilization
- War, riot, strike, nuclear weapons induced hospitalisation
