HEALTH INSURANCE PLANS
Apollo Munich Health wallet Family Floater is a win-win health insurance plan, through which you not only insure your health today but also secure your health for future. Health Wallet doesn’t let you lose your sleep or money over healthcare related issues. With Health wallet you not only save but you also earn a bonus. It provides you comprehensive protection by paying for Inpatient and all outpatient expenses and saves you from future financial worries.
Apollo Munich Health wallet Family Floater – Key Features
- This policy covers persons in the age group 91 days to 65 years.
- There is no maximum cover ceasing age on renewals.
- The policy will be issued for a period of 1 year period, the sum insured & benefits will applicable on Policy Year basis.
- This policy can be issued to an individual and/or family.The family includes following relationships spouse, dependent children and dependent parents and dependent in-laws.
- The policy offers an option of covering on the individual sum insured basis and on family floater basis.
- A maximum of 6 members can be added in a single policy, whether on an Individual or Family floater basis.
- In a family floater, the age of the eldest member will be considered while computing premium for the family.
Apollo Munich Optima Restore Health Insurance Plan is a comprehensive product with useful features like the Restore benefit that automatically restores the basic sum insured if you consume it during the policy year. It also remunerates you with a multiplier benefit for claim free years doubling your basic sum insured in 2 claim free years.
Apollo Munich Optima Restore Health Insurance Plan – Key Features
- Offer coverage from the age of 5 years onwards with maximum entry age of 65 years.
- Automatic restore of basic sum insured in case your cover is exhausted in policy year, at no extra cost
- Lifelong renewability
- No co-pay, sub-limits or additional loading on renewals
- Cashless access to more than 10,000 medical specialists and over 4500 hospitals in more than 800 cities
- Available in Individual and Family Floater option
- Premium is charged basis the city of residence provided in the application form
- Tax benefits on the premium paid as per the prevailing Income Tax rates
- Discount on premium for adding more than two members and for longer policy term
HEALTH INSURANCE PLANS
Religare Care is a health insurance plan which provides the most comprehensive coverage feature along with one of the highest coverage amount in the industry. There are various plan variants each with a different level of Sum Insured and coverage benefits. Moreover, the plan has a unique No Claim Bonus feature which doubles the Sum Insured in a mere two claim-free years.
Religare Care Plan – Key Features
- Super NCB feature of the plan doubles the Sum Insured in two years if no claim is made under the plan. This feature is available at an additional premium and can be added to the plan.
- Sum Insured up to Rs.6 crores is allowed by the plan
- The Sum Insured is automatically restored to the original amount if it is exhausted in any policy year. There is also an additional Unlimited Automatic Recharge Option where the Sum Insured is restored without any maximum limit.
- Individuals of any age can buy the plan as there is no age restriction.
- Personal Accident cover can be added to the plan for a more comprehensive coverage option.
- The plan can be taken for self or for the entire family.
Religare Global Health Insurance Plan with care is the one that serves you according to your need. That’s why the product comes with two features customized for you.
Global Coverage Total (Optional cover): Comprehensive coverage that extends 7 continents & works round the clock so that no matter what time zone you enter, you will be covered. Offers cashless facility for hospitalization expenses incurred anywhere across the world.
Global Coverage (Excluding USA): A plan for those who are sure they would not require healthcare in the USA. By choosing this plan, you would also automatically reduce your premium amount.
Religare Global Health Insurance Plan with care: Key Features
- Sum Insured – on Annual Basis (In Rs.): 1 Cr, 2 Cr, 3 Cr & 6 Cr.
- Pre-Hospitalization: Cover the medical expenses incurred up to 30 days before your hospitalization.
- Post-Hospitalization: Cover the medical expenses incurred up to 60 days after your hospitalization.
- Air Ambulance Cover: Provide an Air Ambulance Cover within India, so that no matter where you are, you get the treatment as soon as possible.
- No Claim Bonus: Receive an increase of 10 percent in your sum insured for every claim free year, up to the maximum of 50 percent of the sum insured.
The Religare Care Freedom plan gives most suitable and flexible coverage options. Also, you don’t need to go through the hassles of undergoing medical checkup for the issuance of the policy. The most important aspect of our life revolves around our health and finances, and whether our finances will be capable of keeping up with healthcare treatment costs.
The Religare Care Freedom policy aims to offer you with the freedom and versatility to live life to the fullest and have a monetary cushion to fall back on if you need health insurance. It doesn’t require any pre-medical check-up for every age and sum assured.
Religare Care Freedom Plan – Key Features
- Entry level age is 90 days and there is no cap on the upper limit
- 2 year wait for pre-existing disease instead of 4 years
- Get annual health check-up for insured members – regardless of claims history
- Ease of cashless treatment & settlement of claims directly by the company
- Get automatic policy recharge if claim amount exhausts your coverage, at no extra cost
- Insurance coverage up to Rs. 5 lakh
Religare Health Insurance Enhance is a super top-up health insurance policy that pays any additional claim amount beyond a certain basic sum paid by the customer out of his own finances. It is a customized deductible health insurance for individuals and their family members. This provides an additional safety net in the case of rising prices of healthcare.
Religare Enhance Plan – Key Features
- Entry level age: 5 years to 75 years.
- Sum Assured: Starting from Rs. 1 lakh to Rs. 10 lakh
- Cashless treatment at 4100+ hospitals
- Annual Health check-ups for insured members
- Lifelong renewability
- Covers 170-day care procedures
- No Claim-based loading