AEGON Religare Health Plan Review
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This is an unique health insurance plan from AEGON Religare Insurance in that the full amount covered will be paid out if there is a claim made by the person insured rather than getting the amount only for the usage of hospital expenses which is the general norm for any health insurance plan or companies in India. This is a comprehensive health plan for your need as well as for your entire family need and the premium varies accordingly.
AEGON Religare Health Plan is not your regular health insurance plan in a slightly different sense, although works just like your regular mediclaim insurance but the claim will be paid out fully even though if you opt for limited hospitalization benefits. This makes this plan lucrative but this comes with a little additional premium price than that of the regular mediclaim policies in existence.
Features and Benefits:
The little known and important features of AEGON Religare Health Plan:
- No medical tests up until the age of 45
- Guaranteed payouts for the full amount insured
- Higher payouts even if the hospital bill is less
- Cashless facility at 3000+ hospitals
- Insured amount increases by 10% with every claim free year
- Premium amount never increases even after making a claim
- Coverage of 10 critical illnesses and all surgeries covered
- No need for 24 hours hospitalization for certain surgeries
- You can include additional family members any time
- Health cover up to the age of 85 years
- Tax benefit on premium paid under section 80D
Critical Illness Coverage:
This plan covers the following 10 critical illnesses namely cancer, kidney failure, Alzheimer’s disease, blindness, cardiomyopathy, paralysis, stroke, coma, aplastic anemia, and muscular dystrophy. Apart from this there is an additional congenital coverage mentioned in this health plan like the new born child will be covered with an congenital defects if the mother is continuously covered for at least 9 months which makes it an unique additional benefit for this policy.
There are four types of plans available under AEGON Religare Health Plan namely Silver, Gold, Diamond and Platinum. And the premium and benefits increases according the plan that you choose. The minimum premium per annum starts at Rs. 5425 and above.
Just show your AEGON Religare Health Plan ID Card at the network hospitals and the hospital will claim for the coverage and once authorized you can enjoy the cashless facility till the coverage amount. In the event of non-network you will need completely settle the hospital bills and once discharged submit the claim with the necessary documents for their approval and once approved you will receive your cheque.
If you are looking for a little extra than that of your regular health insurance policy or mediclaim policy then go for this Aegon Religare Health Policy to get additional benefits and full payout for your claims. This can be claimed as a premium health insurance plan due to the fact that its premium is slightly higher and you get full value additions apart from your regular claims.