The world without a worry !
So, you can focus on your studies, and you'll only bring back happy memories
They say, travelling makes you a storyteller. We ensure your employees only have happy stories to share. Give them the comfort of Group Explore our Travel Insurance on their next work-trip both International or Domestic.
With CHI as your insurer, its truly Health ki Guarantee!
Freedom to get Health Insurance without worrying about your current health status
Get enhanced coverage for greater protection
A perfect blend of hospitalization & maternity insurance
Along with Maternity & Newborn coverage, Joy offers you a number of thoughtfully designed features & Services that give you several advantages at most critical of time. Two plans available- Joy Today and Joy tomorrow.
A Comprehensive Health Insurance plan that not only covers heart ailments but offers much more
* At the discretion of Underwriting. **Up to 25% of Sum Insured.
A Comprehensive Health Insurance plan for Life’s golden years.
*At the discretion of underwriter.
^Tax Benefits under the policy will be as per the prevailing Income Tax laws and are subject to amendments from time to time.
For tax related queries, contact your independent tax advisor. As per section 80D of Income Tax Act, an Adult (aged between 18 & 60 years) can save tax on a premium of upto Rs. 25,000 and his/her senior citizen parent/s (aged 60 years & above) can save tax on a premium of upto Rs.50,000.
**For 5 consecutive claims free years by using No Claim Bonus & No Claim Bonus Super (Optional Cover ).
Incremental increase every year is applicable on base Sum Insured. If a claim is made in any particular year accrued NCB or NCB super will be reduced at same rate at which it is accrued.
In line with our objective of ensuring good health…hamesha! Our Comprehensive Health Insurance Plan – Group Care; helps safeguard the most important asset for you i.e. your employees / Customer, against financial risks arising out of a medical emergency.
A comprehensive Health Insurance that covers all major types of Cancers on a lifelong basis and offers affordable EMIs.
Health Insurance cover specifically designed to cover 16 major Heart ailments that comes with option to pay in Easy EMIs
Unlike most other plans this plan offers lifelong coverage for 32 critical illnesses
Health Insurance that covers expenses related to defined Surgical procedures
Truly Comprehensive Personal Accident cover with broad range of features, add-on benefits, hassle free procedures & thoughtful services
Journey of life is not smooth and some things cannot be predicted for such as an unfortunate accident. That’s why your employees/customers need Group Secure – Personal Accident Insurance so that life’s big or small surprises never pull you down.
Please visit Self Help Portal for changing your contact details such as Address, Email ID and Mobile number as well as for placing request online for Policy documents and tracking your Request status.
Managing your Care Health Insurance policy is now App Solutely Simple with our all new mobile app. Available on both Google Play Store & iOS. To download – click on Icon
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Managing your Care Health Insurance policy is now App Solutely Simple with our all new mobile app. Available on both Google Play Store & iOS. To download
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Best Cashless Medical Insurance for Family in India
95.2%
Claim Settlement Ratio (OND 2018)
8350 +
Network Hospitals across 500 cities
400 Lacs+
Lives covered
Cashless health insurance is beneficial to a family or a patient in a dire emergency and cannot arrange for money at the last minute. A cashless medical insurance facility serves as a boon to the patients in such acute circumstances.
Table of Content:
Due to medical inflation, Cashless health insurance is amongst the essential features that a health insurance policy must cover. This facility ensures that one can bypass the reimbursement formalities at any network hospitals by handling the treatment cost. With cashless health insurance, you do not need to worry about cash arrangements. You can go for the best treatment without worrying about finances.
In an unforeseen event such as a medical emergency, a family goes through a lot of stress, and arranging finances to pay for the medical treatment is an added stress factor that would cause a delay getting timely treatment.In an unforeseen event such as a medical emergency, a family goes through a lot of stress and arranging finances to pay for the medical treatment is an added stress factor, since that would cause a delay in getting timely treatment.
Thanks to the facility of cashless health insurance, one can skip the hassles of paying medical bills during hospitalization. We directly settle the expenses with the hospital, subject to policy terms and conditions. The cashless feature has changed the way people pay for their medical treatment and offers a lot of convenience in saving time, money, and effort. Cashless hospitalization is one of the most significant advantages that health insurance policies provide to customers. It keeps families free from any financial worry and minimizes the burden of making payments from their pockets during any medical situation.
While filing a claim, the choices available to a policyholder include a cashless claim and a reimbursement for the expenses incurred during medical treatment.
Policyholders must be aware of the claim process under health policy to ensure hassle-free claims. It is also essential to understand the claim settlement process of health insurance policy, which can either be cashless or reimbursement mode, as discussed below:
Under a cashless claim, policyholders do not require to make any payment from their pockets during a medical emergency. In the event of hospitalization or related medical expenses, the claim will directly settle with the hospital, subject to policy terms and conditions. However, to avail of this facility, the policyholder must get treatment at any of the insurer's network hospitals only.
For reimbursement, the policyholders have to bear the medical expenses from their pockets. The policyholder has to submit the required medical bill and necessary supporting documents to get reimbursement. This feature is beneficial when the person avails treatment at any non-network hospital.
Cashless health insurance is a feature of health policies that can be availed by the policyholder when he or she gets medical treatment at a network hospital listed by the health insurance company. Network hospitals are healthcare facilities that have a tie-up with the health insurance companies to provide cashless treatment. The insurer is responsible for settling cashless health insurance claims. It may accept or deny the patient's claims for cashless medical insurance, depending on the case. That is, only after proper verification, the hospital gets the approval for treating the patient.
Health insurance companies like us ensure that the network hospitals maintain their standards through stringent quality checks and yearly contract renewals; they offer some of the best cashless health insurance.
To claim cashless health insurance, the policyholder must follow the steps given below:
During emergency intimation to the claim management team within 24 hours of hospitalization is required and before 48 hours in case of planned hospitalization.
>> Also Read: Health Insurance for Parents
Cashless health insurance offers multiple benefits. Read below why you should opt for it:
Immediate Treatment: With cashless health insurance, you can immediately get admitted to any of the network hospitals in case of a medical emergency. You are not required to wait and full fill cash deposit formalities. You have to inform to help desk in the hospital and to your insurer about your hospitalization. Later, after submitting all the required documents, your insurance company pays hospital bills directly.
Tax Benefits: Under Mediclaim 80D, the premium paid for health insurance for self, dependent parents, children, and spouses are exempted from tax. Thus, you can have saved a fair amount of money and enjoy the tax benefit. It also reduces your taxable income, which reflects less tax liability.
Treatment in Network Hospitals: During any medical exigency, you do not need to get confused about the hospitals. Under cashless health insurance, you can admit to the network hospitals nearby to your residence. These hospitals provide advanced healthcare services and treatment and also have trained medical professionals. You can rely on their medical treatment and get your bills paid by the company.
Peace of Mind: Cashless health insurance gives you peace of mind. You can stand firm in any medical emergency. You do not need to borrow extra money for your or your family member's treatment. From hospitalization to daily cash allowance, ambulance cover, second opinion, all you get under this cover.
For selecting the best among various cashless health insurance plans, it is essential to keep some points in mind, as we discuss them below:
Also, to get the best health insurance with cashless cover for family, always review the various features. The plan should include benefits like annual health check-up, no claim bonus, and maternity cover. Moreover, the sum insured you are selecting should be high enough to provide adequate coverage for the insured persons.
When selecting a cashless medical insurance policy, the insured persons should check the policy document to know the exclusions - the expenses that are not covered in the policy. Some exclusions are:
Policyholders must be aware of the claim settlement process and must adhere to the same when making a claim. It will enable them to get cashless health insurance benefits and save them from additional cost burden during any medical emergency. However, there could be situations when their claim may get rejected. It is imperative to understand the scenarios when the claim can get rejected.
As health plans are supposed to cover medical expenses, it could be disappointing when a claim gets rejected and, you end up paying for the medical bills. Some reasons for claim rejection are:
When the cashless treatment is denied at a hospital, then the policyholder must approach the insurer to know if the expenses could be reimbursed.
A policyholder's claim for cashless settlement may get rejected due to various reasons that include:
A policyholder can avail cashless treatment facility for OPD procedure, including doctor visits if the healthcare facility or hospital is listed as the network hospitals.
Before the expiry date of the cashless health policies, the policyholders are required to renew their policy. The policyholders can renew a cashless health insurance policy throughout their entire lifetime.
Usually, cashless health insurance plans come with a policy term of one year, at the end of which the policyholder must renew their plans. Some plans also come with a term of two years.
>> Check: Best Family Floater Health Insurance in India
Few key points that must be considered while selecting the best cashless health insurance plan are:
Cashless Health Insurance facility is available at any of the network hospitals. You will get the list while buying health insurance. You can also know about the network hospitals nearest to their location by visiting the official website.
A cashless mediclaim policy helps the insured by preventing even a temporary impact on savings during any planned medical treatment or emergency hospitalization. One does not need to pay for the medical expenses from the pocket and then apply for a health policy reimbursement claim. It helps one get immediate access to medical care at a network hospital in any exigency without worrying about arranging money to pay medical bills.
You can avail of cashless treatment at any network hospital empaneled with us. The cashless facility is not available at non-network hospitals.
You can avail of treatment under your cashless medical insurance plan in two scenarios:
1. In case of emergency hospitalization, where you have to notify us within 24 hours
2. In any planned hospitalization, where you must notify us 48 hours before admission to the hospital
Cashless health insurance will provide coverage only during the policy term for which the premium has been paid. The insured person will have to bear the costs incurred after the policy lapse. Thus, it is crucial to renew your policy on time.
Walk-in to the nearest Axis Bank branch to pay your Renewal Premium conveniently via Cheque/Demand Draft. Please ensure to keep the following in mind while opting for the same:
Please visit during banking hours and ask for ‘Easy Pay’ service counters at Axis Bank branch to deposit your premium.
Please mention your Policy(s)number and Contact number on the reverse of cheque. Instrument should be in favour of "Religare Health Insurance Company Limited"
Make sure to collect the acknowledgement slip before leaving bank’s service counter for any future correspondence.
Postdated/ Outstation/ Third Party cheques are not allowed.
Please ensure the cheque amount is equal to the amount mentioned in renewal invite.
It is advisable to carry a copy of Renewal invite while visiting to Axis Bank branch.
Please ensure to deposit the cheque at least 7 Days prior to the due date. Instrument deposition is not allowed after the policy expiry date.
In case of any modifications in the policy details at the time of renewal, please contact our
branch and do not deposit the cheque in Axis Bank Branch.
Contact respective ‘Axis Bank branch manager’ in case of any difficulty/issue/clarification related to deposition of renewal premium. You may further contact our Customer Service team at 1800-102-4488/1800-102-6655
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