:: mediclaim Auto recharge and Top up your Health Insurance mediclaim policy


Expanding the foot print of life insurance penetration in India.


The awesome people behind our brand ... and their life motto.

Point of Sale Person in Insurance PoSP

Become a PoSP Point of Sale Person Bajaj Allianz Life Insurance Company ..For Business Opportunity Call us - 96642 11786 .

Best Life Insurance Products in India

Compare Critical Illness Plan with ROP
Compare Critical Illness Plan with ROP
Best Online Term Insurance Plan in India
Best Zero Charges Ulip Plans in india 2018

Agency Development Partner


Life Insurance Business Opportunity

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Join us as an Insurance Consultant
Join us as PoSP Point of sale person life insurance
Join us as an Agency Development Partner

Foolproof Insurance Business Model

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Covers 36 Critical Illness Including Heart and Cancer In-built waiver of premium in case of Total Permanent Disability,
Avail tax benefits under Section 80(D) of the Income Tax Act, 1961..
Option to cover spouse and dependent children

For More Information Contact us at 96642 11786


We pride ourselves on bringing a fresh perspective and effective marketing to each project.(Life Insurance Business)

We believe in philosophy of bringing innovative ways and marketing dynamics Under one Umbrella.

We are synonymous for offering a bouquet of products and services Under one Roof..

  • Critical Illness Insurance Cover

    Critical Illness Insurance Cover

    The world today is moving fast, and adapting to its pace requires a brisk lifestyle. This means less time for everything including taking care of your health. So often we receive news about close acquaintances having acquired major illnesses and continuing their battle against the same. It is pertinent to note that the incidence of such lifestyle induced Critical Illness is rising very fast and so also the cost of treatment. The cost of treatment not only includes the cost of hospitalization but a number of other ancillary cost which are significant in nature like Chemotherapy, Dialysis, Long dosage of expensive injectable, nursing care, flying to other locations for treatment, etc.

  • Pregnancy Maternity Insurance Cover Policy Mediclaim Insurance Cover

    Religare Health Insurance launch Maternity Insurance Plan - Buy instant policy, No paper work‎ with Cashless @ 4100 hospitals. Religare Health Insurance launch one of the most joyous experiences one can ever have. 

    That’s why we have designed ‘JOY’ - that not only covers hospitalization expenses during pregnancy but also addresses your maternity and health needs, for both today and tomorrow.
    When a member of your family is sick or hurt, the last thing you want to think about is how you’re going to pay for it. You just want them to get the care they need right away. 

    That’s why its important to do your homework now and get the right family health insurance plan today so you don’t have to think about it when something does come up.Health insurance plans that provide maternity coverage will generally cover the standard medical costs associated with a healthy pregnancy. 


    ‘JOY’ -  with Maternity and new born cover has unique features like Health Insurance Policy
    • Cashless treatment at 4100+ hospitals
    • A perfect blend of hospitalization and maternity insurance
    • Industry’s lowest 'Waiting period' of only 9 months for maternity related claims.
    • New born baby cover
    • 100% increase of sum insured with no claim bonanza

    Policy Terms
    Entry Age - Minimum
    Adult: 18 years
    Child: 1 Day
    New Born: 1 Day
    Entry Age - Maximum
    Adult: 65 years
    Child: 24 years
    New Born: 90 Days
    Exit Age
    Cover Type
    Individual/ Family Floater
    Lifelong Renewability. The policy can be renewed under the then prevailing Health Insurance with Maternity Benefit Product or its nearest substitute approved by IRDA
    If you enroll at the age of 61 years or more, you will have to pay 20% of the claim amount under the policy. We pay the rest.
    Waiting Period
    30 days for any illness except accident
    9 months for maternity
    2 years for specific treatments/illness
    4 years for pre-existing diseases
    Grace Period
    30 days from the date of expiry to renew the policy
    Policy Tenure
    3 years
    Maternity Cover
    Available only up to 45 years of age

    Plan Details
    Sum Insured – On annual basis
    Rs. 3 Lakh
    Rs. 5 Lakh
    Hospitalisation Expenses
    Yes, up to Sum Insured
    Yes, up to Sum Insured
    Room Category
    Single Private Room with AC
    Single Private Room with AC
    Pre-Hospitalisation Medical Expenses
    Up to 30 days
    Up to 30 days
    Post-Hospitalisation Medical Expenses
    Up to 60 days
    Up to 60 days
    Ambulance Cover
    Up to Rs. 1,000 per Claim
    Up to Rs. 1,000 per Claim
    Maternity Cover (including Pre-natal & Post-Natal expenses)
    Up to Rs. 35,000
    Up to Rs. 50,000
    Newborn Baby Cover
    Up to Rs. 30,000
    Up to Rs. 50,000
    No Claim Bonanza (Optional Benefit)

    What is not covered? 
    • Any pre-existing ailment/injury that was diagnosed/acquired within 48 months prior to issuance of the first policy
    • Any diseases contracted during first 30 days of the policy start date except those arising out of accidents
    • Non-allopathic treatment.
    • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
    • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
    • Cost of spectacles/contant lenses, dental treatment
    • Medical expenses incurred for treatment of AIDS
    • Congenital disease
    • Tests and treatment relating to infertility and in-vitro fertilisation.
  • What is a ‘hospital’ for the purpose of health insurance policies?

    What is a ‘hospital’ for the purpose of health insurance policies?
    Institutions set up for treatment and indoor care in respect of sicknesses and/or injuries and that are registered and under active supervision by a medical practitioner. 
    Any establishment satisfying the following criteria can qualify as a hospital:
    • 15 patient beds
    • With a fully equipped operation theater of its own if
    • Employing fully qualified nursing staff around the clock
    • Having fully qualified doctors in charge around the clock
    Ayurvedic or institutions practicing alternative medicine therapy also qualify as hospitals.

    What is meant by hospitalization? 
    Where the insured is admitted to a hospital for a minimum period of 24 hours, the event is termed as hospitalization. 
    In case of specific treatments like chemotherapy, dialysis, radiotherapy, dental surgery, laser eye surgery, etc where the patient is duly discharged by the same day are also termed as hospitalization.

    Is there a limit as to how long I can stay in hospital? 
    There cannot be a stated limit to how many days of hospitalization a person might need and hence there are no set limits to how long you can stay in hospital.

    What is the meant by domiciliary hospitalization? 
    When the treatment is administered at a patients home, the event is termed as domiciliary hospitalization. This is normally the case when conditions are such that the patient cannot be moved from his home to the hospital or when there are no hospital beds available and hence the treatment has to be administered at the home of the person.
    Is there a tax deduction on the premium paid? 
    As per section 80D of the Income Tax Act, premiums paid up a set limit per annum under the health insurance plan for self, spouse, two dependent children and dependent parents are exempt from tax.

    Can I get a refund if I cancel my health insurance plan during the contract term? 
    Yes. The insurer is liable to refund the premium if no claim has been made up to the date of cancellation.

    What happens when I make a claim on a Critical Illness Plan? Does the policy still continue? 
    Usually the policy ceases to continue on making a claim. However there are many insurers who renew the policy on payment of a lesser premium than the one originally paid. 

    Can there be a claim of medical expenses incurred before and after a surgery? 

    Medical expenses incurred 30 days before and 60 days to 90 days after hospitalization, can be claimed, provided they are related to the ailment/accident for which you were hospitalized. Such expenses are termed as pre and post hospitalization.

    Can I claim my dentist's bills?

    Dentistry bills cannot be claimed.
    For how long is a Critical Illness policy issued? 
    A critical illness policy is usually issued for a period of one year. Some insurers offer it for a term of two to five years while a few offer it for a period of 10 years to 30 years; with the premium remaining constant for three years or five years
  • In Mediclaim standard policy exclusions are

    Religare Health Insurance - The standard policy exclusions are-  
    • Any pre-existing illness.
    • Any diagnosis of diseases / undergoing of surgery / occurrence of event, whose signs or symptoms first occur within 30 days of Policy Period Start date.
    • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
    • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
    • Medical expenses incurred for treatment of AIDS
    • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
    • Congenital disease
    • Tests and treatment relating to infertility and in vitro fertilization.
    • War, riot, strike, nuclear weapons induced hospitalization.
    For more details, kindly refer to our health insurance policy's detailed exclusion list.
  • Claim Processing of Religare health Insurance

    Claim Processing of Religare health Insurance

    Claim Processing
    Claim Intimation
    In case of emergency, please intimate us within 24 hours of hospitalisation.
    If planned hospitalisation, intimate us 48 hours prior to your admission.
    1800-200-4488 1800-200-6677
    Request for Pre-Authorisation
    Claim From Submission
    Complete the pre-authorisation form available at the hospital's insurance/TPA Desk and send us through email/fax. This form can also be downloaded from here. Submission of claim from along with required documents, as per the policy terms & conditions The form can be downloaded form here.
    Approved letter sent by the
    claim management team
    Hospital/Insurance to respond
    to any query raised by the
    claim managment team
    You may initiate the
    treatment and file for
    re-imbursement claim
    Approved letter sent by the
    claim management team
    Insured to respond to query,if any, raised by the claim
    management team
    We will communicate
    the reason in case of rejection
    To see list of network hospitals for cashless treatment or for further information please click here. You may also call us on 1800-200-4488 or write to us at
  • What are the documents required for portability?

    What are the documents required for portability?

    You can apply for CARE under portability with following documents:
    • CARE proposal form
    • Portability form
    • Copy of expiring health insurance policy
    • Copy of renewal notice
    Clients change their medical Insurance coverage suppliers for assortment of reasons. Most normal reason however is dissatisfaction with the administrations of current specialist organizations. There are different reasons like change in premium structure and so forth which influence client's choice to move starting with one protection supplier then onto the next.

    We are developing a robust and simple Insurance model with the aim of empowering insurance intermediaries and in offering customer centric and goal based products and services to our clients Since 1999.

    CONTACT US - 966 4211 786

    For enquiries you can contact us in several different ways. Contact details are below. :: mediclaim Auto recharge and Top up your Health Insurance mediclaim policy

    • City :Mumbai
    • Contact :+91 966 4211 786
    • Country :India
    • Email :support(at)

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