Plan Overview

Religare Care NCB Super is a comprehensive health insurance plan which has an exceptional No Claim Bonus increment in the Sum Assured. Other unique coverage features include auto restoration of Sum Assured, alternative treatments (AYUSH) benefit, free health check-up, daily cash allowance, ambulance cover, at-home treatment cover etc.

Benefits included

Hospitalization means any impatient treatment (min. 24 hrs stay) as well as the named 541 day care procedures

  • Accident related hospitalisation are covered from day 1.
  • Other hospitalisations are covered after 30 days. Cover starts after 30 days, except accidents which are covered from day 1
  • Exceptions : Any pre-existing diseases (PED) which are covered after 4 years and some specified diseases which are covered after 2 years from the policy start date.

Other additional benefits :

  • 100% Cover restoration
  • No claim bonus
  • Free Health Check-up
  • Ambulance charges
  • Daily cash allowance
  • 30 days pre-hospitalisation
  • 60 days post hospitalisation
  • Organ donor expenses
  • Maternity
  • New-born treatment
  • Home treatment
  • Outpatient
  • Ayush treatments
  • Recovery allowance

Out of pocket expenses

  • You will bear all the expenses not covered by the policy. Refer to the list of such expenses in the Policy Exclusions section below
  • Besides, you will have to pay more if you stay in a room category above Single private room.

Policy Exculsion

  • Cosmetic surgery
  • Birth defects
  • Medical expenses due to drugs/alcohol abuse
  • Self-inflicted injury
  • Hazardous sports or war related injuries
  • HIV or AIDS
  • Sexually Transmitted Disease(STDs)
  • Consumables
  • Mental illness
  • Genetic disorders
  • Dental treatment / Surgery
  • Eye disorders & lasik laser treatment
  • Hospitalization for only diagnostic purpose
  • Diagnostic Charges
  • Hospital registration or admission fees
  • Administrative Charges
  • Non medical expenses

Claims settlement

  • If you go to a non-network hospital, you will have to get the claim settled on reimbursement basis by providing the original bills and documents to the insurer.
  • If you get admitted to a network hospital, you can get a cashless authorization from the insurer and then the insurer will settle the expenses directly with the hospital. See the list of the network hospitals near you below

Most frequently asked questions

Q. Can extended family be included in the floater Sum Assured?

A. The extended family can only be included on an Individual Sum Assured basis.

Q. How is the inbuilt global coverage different from the optional complete global coverage?

A. Under the inbuilt global coverage feature, treatments taken in USA are excluded. However, under the optional feature, such treatments are also included in the coverage.

Q. How does the Super NCB feature work?

A. Under this feature, after one claim-free year, the NCB allowed is 50% increase in the Sum Assured. Additionally, the normal NCB of 10% is also added making the total increment to 60% after the first year. The similar process occurs after the second claim-free year making the Sum Assured increase by 120% after two claim-free years.

Q. Are free health check-ups available?

A. Yes, a free check-up is available annually for all insured members.

Q. What is the maximum number of members who can be covered on a floater basis?

A. A maximum of 6 family members can be covered under a floater Sum Assured basis.

Religare Health Insurance