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
- Annual Health Check-up
- Personal Accident
- Second Opinion
- Tax Benefit
- Child Education Cover
What is covered?
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:
01. Cancer
02. End Stage Renal Failure
03. Multiple Sclerosis
04. Benign Brain Tumor
05. Motor Neurone Disorder
06. End Stage Lung Disease
07. Major Organ Transplant
08. Heart Valve Replacement
09. Coronary Artery Bypass Graft
10. Stroke
11. Paralysis
12. Myocardial Infarction
13. Major Burns
14. Coma
15. Blindness
16. Parkinson’s Disease before the age of 50 years
17. Alzheimer’s Disease before the age of 50 years
18. End Stage Liver Disease
19. Bacterial Meningitis
20. Aplastic Anemia
Personal Accident Cover
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.
Child Education 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.
Health Check-up
The company provides a health check-up, once in a policy year, for you to stay health
Entitlement to Second Opinion
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
Eligibility and Restrictions
|
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 - What is not covered?
• 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