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Religare Assure

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Religare Assure

 

Religare Health Insurance LogoReligare 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

 

 

 

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