Care Super Mediclaim Health Insurance

By opting this optional benefit, the customers will have to bear a co-payment of 20% per claim, while the liability of insurer would be restricted to the balance amount payable. This add-on feature is applicable only in case if the age of the insured person is 61 years or less. 

By choosing this optional cover, people can get their sum insured re-instated unlimited times. It is a boon at times whenever someone needs an extended sum insured. If someone runs out of health coverage due to claims made, this cover will re-instate the entire sum insured unlimited times in a policy year. But the policyholder can use the recharge amount only under hospitalisation expenses. The re-instated amount can be used by the proposer only for future/further claims, which should not be related to the illnesses or injuries for which the claim has already been made during the same policy year. Any unutilised recharge cannot be carried forward to any subsequent policy year. Benefits like No Claims Bonus etc., are not considered while computing 'Unlimited Automatic Recharge'.

It is an extended version of the second opinion feature and therefore, all the provisions stated under the second opinion works for this option as well.

By opting for this add-on, the policyholders will not have to experience any limit on room rent or room category during hospital accommodation for in-patient care for listed covered conditions. However, to avail this benefit, the policyholder needs to have a sum insured of Rs. 5 Lakh or more. Also, this option is not valid in case of a claim made under global coverage benefit.

When it comes to salient features available under Super Mediclaim Plan, a long list is attached to the plan. Opting for this plan, policyholders are offered with different benefits such as inpatient care, pre and post hospitalisation expenses, domiciliary hospitalisation costs, living organ donor transplant, and several other medical expenses. Super Mediclaim Plan by Religare can be considered as a comprehensive and perfect package for anyone and everyone. In addition to this extensive range of beneficial features, the policy also includes:

• OPD expenses for up to 1% of the SI and max up to Rs. 25,000
• Alternative treatments for up to 25% of the Sum Insured 
• Daycare treatments and procedures for up to the Sum Insured
• Chemotherapy and Radiotherapy cover up to the Sum Insured
• Coverage for ambulance cost up to Rs. 3000 per hospitalisation
• Organ Donor cover for up to the SI or Rs. 15 Lakh, whichever is lower
• No Claim Bonus (NCB) is provided for max up to 100% of the SI
• Second Opinion Benefit is offered once per covered condition per policy year

Super Mediclaim is a perfect health insurance policy for every individual and family. It safeguards the insured members from common illness to critical ones. The plan is an easy and right choice to make for anyone looking for a health insurance plan. The plan gets appreciation among customers due to its various extra features and benefits such as:

• Lifelong renewability option 
• 15 days free look period is offered
• Direct claim settlement by the Religare team
• Tax benefit as per Section 80D of IT Act  
• Doctor on call facility either through telephonic or online mode

Going through these many benefits and features, it can easily be concluded that Super Mediclaim plan by Religare is a value for money policy. It provides the coverage for almost every requirement of people seeking medical aid. Though some significant benefits are a part of the add-on and can be availed only on paying a little extra, still plan is good enough to meet the medical emergencies of diverse nature. 

One can easily get this policy online either through the official website of Religare or through InsuranceDekho, an insurance broker. The latter won’t just sell you the plan but also deliver every answer to your query and assistance in finding the best plan for you and your family.

The name of four variants available under the Super Mediclaim plan are:

• Critical Mediclaim covers a list of 32 defined critical illnesses
• Cancer Mediclaim covers defined cancer diseases
• Heart Mediclaim covers 16 listed heart related critical illnesses
• Operation Mediclaim covers all specified surgical procedures

The minimum age of the proposer should be 18 years or above, while there is no age limit to get covered under the plan. However, Children can get covered from 91 days to 4 years if at least one member of their family of age 18 years or above is covered under the plan on family floater basis. On the other hand, kids up to 5 years are covered under the plan on an individual basis.

Relationships that are covered under the policy include self, legally married spouse, son, daughter, father, mother, brother, sister, mother-in-law, father-in-law, grandmother, grandfather, grandson, granddaughter, uncle, aunt, nephew, niece, employee or any other relationship having an insurable interest.

Maximum up to 6 persons are allowed to be covered under an individual basis plan.