Let us welcome Religare Health Insurance ![](data:image/jpeg;base64,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)
It is always good to have entry of a new Insurance company. There is a challenge for the new company to come out with new/innovative /attractive product.
Religare Health Insurance has become operational and has started doing business in July, 2012
Salient points of their policy are:
- Maximum sum Assured – Rs 60 Lakhs (highest in India)
- Yearly check up on free of cost basis.
- Overseas treatment permitted for those who have sum assured of Rs 50 Lakhs/ Rs 60 Lakhs.
- No age limit for entry
- Life long renewals
- In house claim settlement
- Restoration of sum assured after lodging/settlement of claim
You will be interested to know the premium to be paid by someone for sum assured of Rs 50 Lakhs:
Family Floater for 2 adults of age group 61-65 years it is Rs 2, 58,360.
The good point is that insured is permitted to undergo treatment in foreign countries for critical/serious ailments/surgeries. This is to make clear that till now all health insurance policies were having the condition that insured can have treatment within India only.
Religare has taken a welcome step by permitting overseas treatment (for sum assured Rs 50 lakhs & Rs.60 lakhs).
You being a well informed person are aware of that Overseas Travel Policy does not permit you to travel abroad and get hospitalized for treatment of existing diseases.
For the same family -Family Floater for 2 adults of age group 61-65 years for sum assured of Rs 25 Lakhs the premium is Rs 47,958. But it permits treatment within India only.
The premium for Rs 50 Lakhs is not 2 times of the premium for Rs 25 Lakhs but it is 5.39 times or 439% higher.
Any Comment?