Religare Health Insurance

Religare Super Mediclaim Surgery insurance

Surgery is a medical specialty that uses operative manual and instrumental techniques on a patient to investigate or treat a pathological condition such as a disease or injury, to help improve bodily function or appearance or to repair unwanted ruptured areas.

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Surgery cost in India while being relatively lower when compared to other countries around the globe, is one country which has witnessed a lot of growth in the medical world and the cost of healthcare has been growing at a fast pace. Don’t let surgeries cut your savings…be financially prepared with Religare’s Super Mediclaim that now comes with an Operations Cover that takes care of surgical needs of the insured or their family members. Religare Health Insurance offers a comprehensive medical solution for you and your loved ones and this is one such plan which helps the insured financially at a critical juncture in theirs or their families lives.

Why Religare Health Insurance?

Religare is one of the fastest growing health insurance companies in India and they have the following advantages:
  • 7 lacs + health claims settled
  • Awarded Claims Leader of the year in 2018
  • 24 / 7 / 365 Toll Free Customer Support
  • Cashless Claims approval in under 2 hours
  • Cashless Claims settlement in 6000+ network hospitals across India

Religare Health Insurance Review

Religare Health Insurance
Religare Health Insurance sum insured
4 lacs − 600 lacs options available
Incurred Claims Ratio *
Religare Health Insurance tenure options
1, 2 or 3 years options available
Claims Settlement Ratio **
List of network hospitals
7,400+ hospitals
Number of policies issued *
Maximum family floater coverage
Self, Spouse + dependent (children + parents)
Number of lives covered *
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

Religare Super Mediclaim Surgery insurance plan - review

  • Key features
  • Eligibility
  • Coverages

Key features of Super Mediclaim Surgery insurance plan

Some of the key features of this plan include:
  • Five Sum insured options from ₹10 lacs to ₹2 crores
  • 30/60 Pre and post hospitalization medical expenses covered
  • Indemnity Based Plan
  • Quick Recovery Counselling
  • No Claims Bonus (NCB) offered for claim free renewals
  • Option of Equated Monthly/Quarterly Instalments
  • Lifelong Renewability – no exist age for renewing the policy even if claims have been filed
  • Room Rent Modification option available to the insured
  • International Second Opinion available while availing treatment for cancer
  • Air Ambulance Cover during medical emergencies
  • Health Portal *** – insured members have access to an informative health portal providing relevant information at all times.
*** Salient Features of the Health Portal
  • Search the best deal in location of the insured
  • Discount on all Healthcare and wellness services like Doctor Consultations, Diagnostics, Pharmacy, Dental Consultation and treatment
  • Comprehensive details on Doctors like qualification & appointment details.
  • Access to Right Healthcare Service, at right time and place.
  • Symptom tracker
  • Ailment to specialty tracker
  • Automated discount coupon download
  • 24x7 on call support

Religare Super Mediclaim Surgery insurance plan – eligibility

Sum Insured 10 Lakh | 25 Lakh | 50 Lakh | 1 Crore | 2 Crore
Entry Age 5 years to 50 Years on Individual Basis
Pre - policy Issuance Medical Check up No Medicals##
Tenure 1/2/3 Years
Premium Payment Mode *** Single/Monthly
Room Rent Eligibility Single Private Room / No limit^
ICU Charges No limit
Wait Period:
Initial Waiting Period 90 Days
Specific ailment Waiting Period 24 months
PED Waiting Period 48 months
*** Terms and Conditions Applicable
#Optional Benefit.
^with optional benefit Room Rent Modification.
##at the discretion of the Underwriter.
Note: Other SI / Age band options also available.

Coverages under Super Mediclaim Surgery insurance plan

Sum Insured (all figs in ₹ INR) 10 Lakh | 25 Lakh | 50 Lakh | 1 Crore | 2 Crore
In-Patient Care Up to SI
Day Care Treatment Listed as per the Plan, Up to Sum Insured
Pre-Hospitalization and Post-Hospitalization 30 days / 60 days
Ambulance Cover Up to ₹3000 per hospitalization
Organ Donor Cover Up to SI or 15 L whichever is lower
Second Opinion Once per Covered Condition per policy year
Annual Health Check-up Annual from 2nd Policy Year on Continuous Coverage
No Claims Bonus(NCB)* 50%/25%/25%-Corresponding increase in SI for 1st, 2nd and 3rd continuous claim-free Policy Years respectively, Max up to 100% of SI(50%/25/25%-Corresponding decrease in SI per Policy Year in case a claim has been paid; Such decrease is only in SI accrued as NCB)
International Second Opinion# Once per Covered Condition per policy year
Room Rent Eligibility Single Private Room / No limit^
Air Ambulance Cover# Up to Rs. 5 Lakhs
Health Services
Quick Recovery Counselling Up to Rs 1000 Per Session, Maximum 8 Sessions Post Hospitalization in a Policy year( can be availed twice in a month)
Doctor on Call Yes(Telephonic/Online Mode)
Health Portal Value added services through Company’s Website
Global Coverage: Coverage outside India - 45 continuous days in a single trip; Max. 90 days on a cumulative basis, in a Policy Year. Up to SI; only for SI >=1Cr (Limited to In-Patient Care and Day-Care treatment with a Co-payment of 10% per Claim)
OPD Expenses (Diagnostics + Consultations + Pharmacy ) Up to 1% of SI ,Max up to Rs 25,000
#Optional Benefit.
^with optional benefit Room Rent Modification.

Religare health insurance FAQ's

Religare Health is one of the leading standalone health insurance companies in India, they are also one of the fastest growing. • Religare offers a Wide Range Of Health Insurance Products From Individual Plans to Family Floater Schemes To Senior Citizen Health Coverage. They are also prompt at claims settlement with a 93% claims settlement over the past year.

Religare Health takes 15 days after receiving the required documents from the insured to process a health insurance claim. However, it can take a longer time depending on the verification process conducted by our claim management team depending on the case.

In a cashless claim/hospitalisation, the insured/hospital intimates us regarding the hospitalization and submits a pre-authorization request. On authorization, the claim is directly settled with the network hospital and the insured is not required to pay any charges except for expenses not covered under the policy. Cashless facility can only be availed at a Religare Health Insurance network hospital.


Review Religare health insurance - Super Mediclaim Surgery brochure to understand coverage details.

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Policy wordings

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How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

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    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block,
    Bangalore - 560 034.
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022