Care Super Mediclaim Health Insurance Wordings

Yes, Religare understands the importance of coverage related to medicines, OPD consultations, and diagnostics as they can impact your monetary soundness. Hence, the plan offers coverages up to a specified amount for some out-patient care services during the policy year, which are as follows -

(a) Out-patient consultations
(b) Diagnostic examinations
(c) Pharmacy-related expenses

Yes, the Super Mediclaim policy provides several optional benefits which can be opted either at the start of the policy or during the time of renewal. The list of such add-on features are:

1. Deductible Option
2. Co-Payment Option
3. Unlimited Automatic Recharge
4. International Second Opinion
5. Room Rent Modification
6. Air Ambulance Cover
7. Reduction of PED Wait Period
8. Additional Sum Insured for Accidental Hospitalisation

The initial waiting period is of 90 days. It means a claim for any medical-related expenses incurred for treatment of any illness during the first 90 days from the policy period start date shall not be admissible, except the medical costs incurred due to an accident within the policy period.

Yes, health check-up is offered annually from 2nd policy year on continuous coverage basis.

Yes, No Claim Bonus (NCB) is offered for not availing any claim. The bonus will be of 50%/25%/25% for a corresponding increase in the Sum Insured (SI) for 1st, 2nd and 3rd consecutive claim-free policy years respectively. Maximum bonus is given for up to 100% of the SI. Also, 50%/25%/25% and a corresponding decrease in SI per policy year are applicable if a claim has been paid, however, such decrease is only in SI accrued as NCB.