Care Health Insurance Claim Settlement

You can file a reimbursement claim in both network and non-network hospitals. The reimbursement claim process includes the following:

• In the case of planned hospitalisation, the Religare Health Insurance Company needs to be informed before 48 hours of admission.
• In case of an emergency, the intimation should be given within 24 hours of hospitalisation. 
• A claim form should be submitted along with the relevant documents as per the plan’s term and conditions.
• After investigation of the documents and claim form details, the letter of approval is sent to the policyholder by the claim management team of Religare to confirm the approval. Post this, within 15 days the amount is reimbursed.
• In case of rejection, the insured individual is required to respond to the query raised by the insurer or insured will get the reason for the rejection.

​Here is a list of documents required for filing a reimbursement claim.

• Original investigation reports                                                               
• Final hospital discharge summary
• FIR or post-mortem report if happened
• Pharmacy bills along with the prescription
• Original bills, receipts, and discharge report
• Indoor case papers and duly-filled claim form
• Original hospital bills and a valid photo ID proof
• Treating doctor's report, and original consultation notes
• Nature of operation performed and surgeon's bill and receipt
• Test reports along with attending doctor’s or surgeon’s report

In case of any query, you can contact InsuranceDekho at 1800-1205-698. 

The Incurred Claim Ratio (ICR) is a highly effective approach to find how viable and dependable an insurer is. ICR reveals the pace of claim procedure and the productivity of the insurance firm in terms of revenue. The incurred claim ratio of Religare is 55%. In general, an ICR value between 50% and 90% is considered good, which means Religare has ample amount of assets in hand and executing claim process smoothly as well.