• Have an existing mediclaim policy/health plan from your employer?

    Read on to know why you must get covered with AEGON Religare iHealth Insurance Plan.

    AEGON Religare iHealth Insurance Plan is a health insurance policy with unique benefits like Dual Claim and Guaranteed Payout, which keeps you covered for medical expenses.

    So how do you pick a health insurance that delivers?

    Fixed Payout even if the claim is less : iHealth pays you a fixed claim amount regardless of your bill.

    Coronary artery bypass
    5 Lakhs
    Liver transplant
    5 Lakhs
    Kidney transplant
    5 Lakhs
    Knee reconstruction
    5 Lakhs

    Payouts as per platinum plan

    Dual Claim : You can claim over and above your existing mediclaim or health policy.

    You Claim

    5 Lakhs

    Other insurance payout

    2 Lakhs

    iHealth Payout

    5 Lakhs

    Total claim received

    7 Lakhs

    Source: Asian Heart Institute, payouts as per platinum plan, conditions apply

    Cover more than 849 surgeries.

    Major Illness covered

    Cancer

    Kidney transplant

    Heart transplant

    Open heart surgery

    Refer to brochure for list of surgeries.

    Individual family cover for each family member.

    Unlike most family floaters, when a family is covered each individual gets a separate cover. For eg. Rs.5 lakh cover means father, mother and child each getting the advantage of a Rs.5 lakh cover. That makes the total cover Rs.15 lakhs.

    You

    5 Lakhs

    Your Spouse

    5 Lakhs

    Total Benefit

    5 Lakhs

    Total Benefit

    15 Lakhs

    Benefits of AEGON Religare iHealth Plan

    1. Coverage  

    2. Benefit Structure  

    I. Surgical Cash Benefit (SCB)

    The plan covers all kinds of surgeries. 849 surgeries are in the defined list.
    A fixed amount is paid in respect of each surgery depending upon the category of the surgery.
    Refer to brochure for list of surgeries.

    II. Critical Illness Benefit

    It is payable on diagnosis of a critical illness only if the Critical Illness Rider has been attached to the AEGON Religare iHealth Insurance Plan.

    III. Daily Hospitalisation Cash Benefit (DHCB)

    You will get a fixed amount of money for each day spent (a continuous period of 24 hours or more) in the hospital. The benefit paid out under the two variants are as follows:

      Gold Plan Platinum Plan
    Daily Hospitalisation Cash Benifit (Rs.) 3,000/day 5,000/day

    3. Additional Benefits

    I. No Claim Benefit

    Not making a claim under this plan doesn't mean you don't gain anything. We reward you for the same. The benefit amount of your plan increases by 10% for every no claim year (the maximum increase will be capped at 50%).

    II. Increase in Benefit Amount

    Keeping in mind the increasing medical inflation, the policy also allows you to increase the benefit amount under DHCB and SCB by 10% after every 3 years. This increase will be subject to underwriting rules of the company.

    III. Level premium for 3 years

    AEGON Religare iHealth Insurance Plan offers you a fixed premium amount for a period of every 3 years. There will be no increase in premium even if there is a claim in 1st or 2nd year. The premiums will be reviewed at the end of 3rd year.

    IV. Guaranteed Renewability

    The maximum maturity age is 100 years subject to exercising of Guaranteed Renew ability feature or else the maximum maturity age would be 85 years (i.e. maximum entry age (70 years) + 15 years).

    VI. Individual Family Cover

    Under the AEGON Religare iHealth Plan, each member of the family enjoys the cover of all the benefits offered under the plan with individual sum assured. For example if you have covered yourself & your family under a Platinum Plan, following would be the maximum benefit that each individual is entitled to:

    Family Member Annual DHCB Annual SCB Total Annual Benefit

    You

    300,000 500,000 800,000

    Your Spouse

    300,000 500,000 800,000

    Child 1

    300,000 500,000 800,000

    Child 2

    300,000 500,000 800,000

    Total

    12,00,000 20,00,000 32,00,000
  • Health Insurance Premium Calculator

  • 1. Coverage

    Who can be covered under the online health plan?

    You can insure the following members under this plan:

    2. Benefit Structure

    The AEGON Religare iHealth Plan is available in 2 variants viz. Gold & Platinum. The benefit amount under both these plans are as follows:

    Benefit Gold Platinum
      Daily Benefit Annual Benefit Daily Benefit Annual Benefit
    Daily Hospitalisation Cash Benefit (DHCB)

    3,000

    1,80,000

    5,000

    3,00,000

    300,000 500,000
    Surgical Cash Benefit (SCB)

    Critical Illness Benefit

    300,000

    500,000

    Maximum Benefit (Rs.)

    780,000

    13,00,000

    a. Critical Illness Benefit
    It is payable on diagnosis of a critical illness only if the Critical Illness Rider has been attached to the AEGON Religare iHealth Plan.

    b. Maximum Benefit
    It is defined as the maximum benefit that can be availed in a policy year. For details on the total benefit amount available in a policy year, please refer to the above Benefit Structure.

    c. Individual Family Cover
    Under the AEGON Religare iHealth Plan, each member of the family enjoys the cover of all the benefits offered under the plan with individual sum assured. For example if you have covered yourself & your family under a Platinum Plan, following would be the maximum benefit that each individual is entitled to:

    Family Member

    Annual DHCB

    Annual SCB

    Total Annual Benefit

    You

    300,000

    500,000

    800,000

    Your Spouse

    300,000

    500,000

    800,000

    Child 1

    300,000

    500,000

    800,000

    Child 2

    300,000

    500,000

    800,000

    Total

    12,00,000

    20,00,000

    32,00,000

    I. Daily Hospitalisation Cash Benefit (DHCB)
    You will get a fixed amount of money for each day spent (a continuous period of 24 hours or more) in the hospital. The benefit paid out under the two variants are as follows:

     

    Gold Plan

    Platinum Plan

    Daily Hospitalisation Cash Benefit (Rs.)

    3,000/day

    5,000/day

    II. Surgical Cash Benefit (SCB)
    The online health plan covers all kinds of surgeries. These surgeries have been classified into 6 categories depending upon the type and severity of each surgery.

    849 surgeries are in the defined list. These surgeries are classified in category 1 to 5. The remaining surgeries which mainly comprise of Day Care Treatments fall in category 6. All surgeries which fall under category 6 do not require 24 hours of continuous hospitalisation.

    A fixed amount is paid in respect of each surgery depending upon the category of the surgery.

    Benefit Structure of both plans at a glance

    Surgical Cash Benefit

    Gold

    Platinum

    Daily Benefit

    Annual Limit

    Daily Benefit

    Annual Limit

    Category 1 Surgery

    300,000

    300,000

    500,000

    500,000

    Category 2 Surgery

    240,000

    400,000

    Category 3 Surgery

    120,000

    200,000

    Category 4 Surgery

    60,000

    100,000

    Category 5 Surgery

    30,000

    50,000

    Category 6 Surgery

    15,000

    25,000

    Lifetime Limit for Surgical Cash Benefit (Rs.)

    1,500,000

    2,500,000

    Click here to view and download the complete list of surgeries covered under the plan.

    Example of Benefit Payout:
    Suppose Mr. Rajeev is hospitalized for his heart bypass surgery for 20 days (Category 1 surgery). Maximum benefit payable under the plan would be as under:

    Plan

    DHCB

    SCB

    Total Benefit

    Platinum

    20 days x 5,000/day = Rs. 1,00,000

    Rs.5,00,000

    Rs. 6,00,000

    Gold

    20 days x 3,000/day = Rs. 60,000

    Rs.3,00,000

    Rs. 3,60,000

    For more queries kindly call us on 1800 209 9090

    3. Additional Benefits

    I. No Claim Benefit

    Not making a claim under online health insurance plan doesn't mean you don't gain anything. We reward you for the same. The benefit amount of your plan increases by 10% for every no claim year (the maximum increase will be capped at 50%).

    II. Increase in Benefit Amount

    Keeping in mind the increasing medical inflation, the policy also allows you to increase the benefit amount under DHCB & SCB by 10% after every 3 years. This increase will be subject to underwriting rules of the company.

    4. Features

    I. Dual Claim

    You can claim a guaranteed amount in addition to the payment you would have received from other health plans.

    Example
    If you already have a health insurance by your employers Group Medical Policy or have a personal indemnity health policy, you will be able to get hospital expenses reimbursed from your employer group policy or your personal indemnity health policy and also claim your entitled benefit amount from AEGON Religare iHealth Plan.

    II. Level premium for 3 years

    AEGON Religare iHealth Plan offers you a fixed premium amount for a period of every 3 years. There will be no increase in premium even if there is a claim in 1st or 2nd year. The premiums will be reviewed at the end of 3rd year.

    III. Guaranteed Renewability

    You are guaranteed a renewal of your health cover without medicals up to age 100.

    IV. Congenital Cover

    Congenital benefit will cover listed Medically Necessary Surgeries required to correct congenital defects in a child born to a mother who is continuously covered for a period of 9 months under the policy.

    Click here to download the complete list of Congenital Surgeries covered under the plan.

  • Eligibility for iHealth Plan

    Minimum age at entry 18 years for Adults; 90 days for Children
    Maximum age at entry 70 years for Adults; 17 years for Children
    Maturity age 100 years
    Policy Term 15 years
    Premium Payment Term Equal to policy term
    Premium Payment Frequency Annual


    Maximum Benefit CI Rider

    Maximum Benefit without CI Rider

    Maximum Benefit with CI Rider

    Gold Plan

    Rs. 4,80,000

    Rs. 7,80,000

    Platinum Plan

    Rs. 10,00,000

    Rs. 13,00,000

  • Critical Illness Benefit

    1. Benefits Structure

    A lump sump amount will be given to the insured in case of diagnosis of the following 10 critical illness


    1. Alzheimer's disease 6. Blindness
    2. Muscular dystrophy 7. Cardiomypathy
    3. Cancer 8. Stroke
    4. Paralysis 9. Coma
    5. Aplastic anaemia 10. Kidney Failure

    2. CI Rider Benefits Payout

    Benefit

    Gold Plan

    Platinum Plan

    CI Rider (Rs.)

    Rs. 3,00,000

    Rs. 5,00,000

    Please read the CI Rider brochure before concluding the sale.
    Click here to download the brochure.

  • Easy Claim Process

    1. You can opt for cashless hospitalisation from any of our 3,000 plus network hospitals available across the country.

    2. In case the hospital bill amount is lower than the benefit payable to you, you will receive a cheque for the amount over
        and above the hospital bill. Similarly, if the hospital bill exceeds the benefit payable to you, you will need to settle the
        balance hospital bill.

    3. You can claim for reimbursement of your benefit amount for any treatment carried out in any non-network hospital
        through our hassle-free claim process.

    4. You can register a claim or seek assistance with our Third Party Administrator (TPA) on following number:
         › 1800 22 6655 - 24 hour helpline for lodging the claim and for any claim related enquiries.
         › 022 – 66620 808 - Help Line No (Serviced 24 Hours, 7 days a week).

      In case of Network Hospitals (Key hospitals partnered with us):

    Present your AEGON Religare Health ID Card and any photo ID to the hospital and the hospital will submit the pre-authorisation form with your signature

    Your Claim Request will be checked

    Your Claim Request will be authorised

    We will settle the hospital bill

    Click here to locate AEGON Religare network hospitals near you for cashless claims

    Note: In case the hospital bill amount is lower than the benefit payable to you, you will receive a cheque for the amount over and above the hospital bill. Similarly, if the hospital bill exceeds the benefit payable to you, you will need to settle the balance hospital bill.

    In case of Non-Network Hospitals (Hospitals which are not partnered with us):

    You will need to settle the hospital bill

    Once discharged, submit the claim documents to us

    Your Claim Request will be checked

    A cheque will be sent to you once your claim request is authorised

    Please read the Policy Document for further details
    Click here to download the product brochure
    For more queries, kindly call us on 1800 209 9090 / +91-022-66620808

  • 1. Standard Exclusion

    What is not covered under AEGON Religare iHealth Plan?

    Benefit will not be paid for any claim directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following:

    ›   Any claim occurring as a result of Pre-existing conditions or their resultant complications unless stated in the proposal
        form and specifically accepted by the company and endorsed thereon.

    ›   AIDS, HIV related complications or any Sexually Transmitted Diseases.

    ›   Attempted suicide or self inflicted injury, irrespective of the mental condition.

    ›   Hazardous sports or activities included but not limited to bungee jumping, mountaineering etc.

    ›   Any flying activity other than as a bonafide passenger.

    ›   Under the influence of alcohol, drugs or any substance not prescribed by a Registered Medical Practitioner.

    ›   War, riots, civil commotion, strikes, civil war or service in the military or paramilitary forces of a country at war.

    ›   Criminal, unlawful or illegal activity participation.

    ›   Any treatment directly or indirectly arising from Exposure of life assured to Radioactive, explosive or hazardous nature of
        nuclear fuel materials or property contaminated by nuclear fuel materials or Accident arising from such nature.

    ›   Diagnosis or treatment taken outside India.

    ›   Psychiatric or mental illness.

    ›   Circumcision, any Cosmetic procedures or Plastic Surgery.

    ›   Pregnancy, childbirth or their complications, Abortion, Medical Termination of Pregnancy, Infertility or sex change
        operation.

    ›   Organ donation (donor costs).

    ›   Rehabilitation or convalescent care or treatments or tests not consistent with customary medical treatment or diagnosis
        or stay in hospital beyond the customary length of stay where no active treatment is provided.

    ›   Non-Allopathic treatment

    ›   Purely investigative procedure not resulting in any treatment or unreasonable failure to seek medical advice.

    ›   Congenital conditions, genetic disorders or birth defects unless specifically covered.

    ›   All dental surgery or treatment are excluded except those arising due to accident and recommended by a registered and
        qualified medical practitioner.


    2. Terms & Conditions

    I. Lapse

    Your policy would lapse if the renewal premium is not paid within the grace period. The effective date of the lapse is the first unpaid premium due date.
    No benefit is payable for any ailment diagnosed and/or treated and any hospitalisation undertaken or surgery carried out during the period when the policy has lapsed even though the policy may be subsequently reinstated.

    II. Reinstatement

    Reinstatement is possible only up to 1 year from the first unpaid premium due date. You need to send a written request to the Company to reinstate your policy along with relevant documents as mentioned below:
    To reinstate your policy anytime, you need to submit a Declaration of Good Health. The initial Waiting Period of 90 days will apply and for certain specified surgeries, complete specific waiting period of 2 years will be applicable.

    III. Grace Period

    You are allowed a grace period of 30 days for payment of your renewal premium from the last premium due date. The insurance coverage continues during the grace period. In case of a claim during the grace period, premium due will be debited from the benefits payable. No new Waiting Periods or Fresh Underwriting will apply if premium is received during the Grace Period.

    IV. Waiting Period

    A waiting period of 90 days from the date of commencement of the policy is applicable for all benefits payable under this cover.
    Specific waiting periods of 2 years will apply in case of some specific surgeries.
    In case of hospitalisation due to accident, the waiting period will be waived.

    V. Claims Trigger

    For DHCB: 24 hours of continuous stay in the hospital.
    For SCB (Category 1-5): Claims trigger is actual undergoing of medically necessary listed surgery.
    For SCB (Category 6): Claims trigger is actual undergoing of medically necessary surgery (which is not part of the defined list) and a continuous stay of minimum 24 hours in the hospital.

    VI. Termination of Policy

    The policy terminates under the following circumstances:
    Death of primary policy holder. However, the spouse will have an option to continue as the primary policy holder till the age of 85 years.
    Date we receive your application for Surrender of the Policy
    If the policy is not reinstated
    Not receiving the application for guaranteed renewability within 30 days after the end of policy term

    VII. Prohibition of Rebates

    Section 41 of the Insurance Act, 1938 states: 1) No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer. Any person making default in complying with the provision of this section shall be punishable with fine, which may extend to Five Hundred Rupees
    Section 45 of Insurance Act, 1938 states: In accordance with Section 45 of Insurance Act, 1938, no policy of life insurance shall, after the expiry of two years from the date on which it was effected, be called in question by an insurer on the ground that a statement made in the proposal of insurance or any report of a medical officer, or a referee, or a friend of the insured, or in any other document leading to the issue of the policy, was inaccurate or false, unless the insurer shows that such statement was on material factor or suppressed facts which it was material to disclose and that it was fraudulently made by the Policy Holder and that the Policy Holder knew at the time of making that the statement was false or that it suppressed facts which it was material to disclose.


  • AEGON Religare iHealth Insurance plan provides comprehensive surgical expenses coverage and daily hospitalisation cash benefit with innovative features like:

    Pays you a fixed lump sum amount irrespective of your hospital bill.

    Does not increase premium, even if you claim.

    Lets you increase the benefit amount as per your changing needs

    Allows you to renew your plan irrespective of the claims made.

    Covers your family members under one policy.


    Key Benefits

    AEGON Religare iHealth Insurance Plan covers all surgeries. All surgeries which do not form part of the list are covered under Category 6 except for the exclusion mentioned herein. Refer to Annexure 1 for details.

    It pays you a fixed claim amount, irrespective of the actual hospital bills.

    You get a fixed amount in addition to the payment you would have received from other health plans, which means that you will have to submit only the photocopy of the bills to claim the benefits.

    You can avail of the Cashless facility (no need to pay any money for the treatment) in more than 3,000 key hospitals across the country. Please refer to the “Easy Claim Process” explained below.

    You are guaranteed a lifelong renewal of your health cover. The premium applicable on renewal will depend upon the attained age.

    You benefit from a fixed premium rate for 3 years. This means even if you have a claim in year 1 or 2, the premium will not increase.

    Your benefit amount increases by 10% for every no claim year (the maximum increase will be capped at 50%).

    You can include additional family members at any point of time during the policy duration.

    If you are up to the age of 45 and in good health, no medicals are required.


    How does the plan work?

    Choose between the Gold Plan or the Platinum Plan, both designed to suit varied needs of you and your loved ones.

    Calculate your premium based on the choice of your plan and the age

    Pay your premium

    In case you are up to age 45 and in good health, your cover begins immediately.


    Who can be covered under the plan?

    You have the following options to purchase this plan;

    In case you choose to insure any of your family members, every member will have individual Sum Assured under the plan

    Policyholder can add or delete the members under the policy by intimating the company.


    Benefits Structure

    AEGON Religare iHealth Insurance Plan is available in 2 variants viz. Gold & Platinum. The benefit amounts under both these plans are as under:

    You will get a fixed amount of money for each day spent in the hospital. You should have been admitted to the hospital for a continuous period of 24 hours for a medically necessary procedure. This benefit will be paid in addition to Surgical Cash Benefit.

    The plan covers all kinds of surgeries. These surgeries have been classified into 6 categories depending upon the type and severity of each surgery.

    849 surgeries are in the defined list. These surgeries are classified in category 1 to 5 (List of the surgeries falling under categories 1 to 5 is available in Annexure 1). The remaining surgeries which do not form a part of the list are covered under category 6 except for the exclusion mentioned herein. The surgeries covered under Category 6 require 24 hours of continuous hospitalisation.

    A fixed amount is paid in respect of each surgery depending upon the category of the surgery.

    Examples of defined surgeries:

    Grades Surgeries
    1 Heart bypass; Knee joint replacement
    2 Heart angioplasty; Open heart; Liver tumour
    3 Brain & Spine operation; Bone tumour
    4 Ankle fracture; Bone grafting; Cataract
    5 Bone open fracture (screw & plates); Gastrointestinal; Glaucoma
    6 All surgeries not covered under grade 1 to 5 and carried out along with 24 hours hospitalisation.

    The detailed list of surgeries is available in Annexure 1.


    Benefit Structures of both plans at a glance

    Grades1 Gold Platinum
    Daily Benefit Annual Limit Daily Benefit Annual Limit
    Daily Hospitalisation Cash Benefit (Rs.) 3,000 1,80,000 5,000 3,00,000
    Surgical Cash Benefit (Rs.)
    • Category 1 3,00,000
    3,00,000 5,00,000
    5,00,000
    • Category 2 2,40,000
    4,00,000
    • Category 3 1,20,000
    2,00,000
    • Category 4 60,000
    1,00,000
    • Category 5 30,000
    50,000
    • Category 6 15,000
    25,000
    Lifetime Limit for Surgical Cash Benefit (Rs.) 15,00,000   25,00,000

    For details on the list of surgeries and the benefits, please call 1800 209 9090 or visit www.aegonreligare.com

    Example : Let’s say you opt for a Platinum Plan. The maximum fixed benefits payable to you would be as under:

    Family Member Annual DHCB Annual SCB Total Annual
    Benefit
    You 3,00,000 5,00,000 8,00,000
    Your Spouse 3,00,000 5,00,000 8,00,000
    Child 1 3,00,000 5,00,000 8,00,000
    Child 2 3,00,000 5,00,000 8,00,000

    Supplementary benefits

    Congenital Cover - This will cover the listed Medically Necessary Surgical Procedures required to correct congenital defects in a child born / adopted by a mother who is continuously covered for a period of 9 months under the plan. The detailed list of surgeries is available in Annexure 1.

    No Claim Benefit -The benefit amount under DHCB & SCB will increase by 10% p.a. for every claim free year. The maximum increase is capped at 50% of the benefit amount at inception of the policy.

    Guaranteed Renewability - The maximum maturity age is 100 years subject to exercising of Guaranteed Renewability feature or else the maximum maturity age would be 85 years (i.e. maximum entry age (70 years) + 15 years). You need to intimate the Company, within 30 days from the date of expiry of the policy to continue the policy for another term. The Guaranteed Renewability feature can only be exercised if the sum of age at the time of renewability and Policy Term of 15 years does not exceed 100 years of age of the Life Assured.

    Increase in Benefit Amount - Keeping in mind the increasing medical inflation, the policy also allows you to increase the benefit amount under DHCB & SCB by 10% after every 3 years. This increase will be subject to underwriting rules of the company.

    Policy Benefit - No benefits are payable in case of death of the Life Assured. In case of death of the Life Assured during or post the medical treatment before the claim is made, the benefits payable under the plan, if any, will be paid to the legal heir of the Life Assured.

    Post the death of the Life Assured, remaining members covered under the policy, if any, will continue to be covered and the premium for the remaining members will be revised from the next premium due date.

    Surrender Benefit - If the policy is surrendered or lapsed, then no benefits will be payable.

    Maturity Benefit - No benefits are payable on maturity of the plan or at the end of the Policy Term.


    Other Features

    Free Look Option - If you are not satisfied with the terms and conditions of the policy, you have an option to cancel the policy stating the reason within 15 days from the date of receipt of the policy bond/document. Upon such cancellation, you will be paid back the premiums after deducting stamp duty and medical examination charges, if any.


    Eligibility
    Minimum age at entry 18 years completed for Adults
    90 days completed for Children
    Maximum age at entry 70 years last birthday for Adults
    Maturity age The maximum maturity age is till 100 years subject to exercising of Guaranteed
    Policy Term The maximum maturity age is till 100 years subject to exercising of Guaranteed enewability feature or else the maximum maturity age would be 85 years last birthday (i.e. maximum entry age (70 years) + 15 years). The maximum age till which the policy can continue is 100 years last birthday.
    Policy Term 15 years
    Premium Payment Term Equal to Policy Term
    Premium Payment Frequency Annual
    Sum Assured* Gold : Rs.3,00,000
    Platinum: Rs.5,00,000

    *Sum Assured is defined as the maximum benefit under SCB. For details on the total benefit amount available in a policy year, please refer to Benefit Structure above.


    Easy Claims Process

    You can opt for cashless hospitalisation from any of our 3,000 plus network hospitals available across the country. Alternatively, you can claim for reimbursement of your benefit amount for any treatment carried out in any non-network hospital through our hassle-free claims process.

    You will need to present your AEGON Religare iHealth Plan ID Card and any photo ID while making a claim along with a duly filled claim form

    Photocopies of hospital bills, discharge card, doctor’s certificate, prescriptions, diagnostic reports and any other relevant documents will be needed to process your claim.

    Please read the Policy Document for further details.

    In case of Network Hospitals (Key hospitals partnered with us):
    Present your AEGON Religare iHealth ID Card and any photo ID to the hospital and the hospital will submit the pre-authorisation form with your signature
    Your Claim Request will be checked
    Your Claim Request will be authorised
    We will settle the hospital bill

    Note: In case the hospital bill amount is lower than the benefit

    payable to you, you will receive a cheque for the amount over and above the hospital bill.

    Similarly, if the hospital bill exceeds the benefit payable to you, you will need to settle the balance hospital bill.

    In case of Non-Network Hospitals
    (Hospitals which are not partnered with us)
    You will need to settle the hospital bill.
    Once discharged, submit the claim documents to us.
    Your Claim Request will be checked.
    A cheque will be sent to you once your claim request is authorised.


    You can further customise your plan by opting for AEGON Religare Health CI Rider. The Sum Assured under this rider is paid out on diagnosis of any of the following critical illness:

    • Alzheimer's disease • Blindness
    • Muscular dystrophy • Cardiomypathy
    • Cancer • Stroke
    • Paralysis • Coma
    • Aplastic anaemia • Kidney Failure

    Please read the rider sales brochure before concluding the sale.

    For Platinum variant (Sum Assured of Rs.5,00,000) for a healthy male life.

    Age 25 30 35 40 45
    Premium Rates / 000 of SA. 11.69 12.4 13.25 14.97 18.51

    Terms and conditions

    Your policy would lapse if the renewal premium is not paid within the grace period. The effective date of the lapse is the first unpaid premium due date.

    No benefit is payable for any ailment diagnosed and/or treated and any hospitalisation undertaken or surgery carried out during the period when the policy has lapsed even though the policy may be subsequently reinstated.

    Reinstatement is possible only up to 1 year from the first unpaid premium due date. You need to send a written request to the Company to reinstate your policy along with relevant documents and outstanding premiums as mentioned below:

    To reinstate your policy anytime, you need to submit a Declaration of Good Health. The initial Waiting Period of 90 days will apply and for certain specified surgeries, complete specific waiting period of 2 years will be applicable.

    You are allowed a grace period of 30 days for payment of your renewal premium from the last premium due date. The insurance coverage continues during the grace period. In case of a claim during the grace period, premium due will be debited from the benefits payable. No new Waiting Periods or Fresh Underwriting will apply if premium is received during the Grace Period.

    A waiting period of 90 days from the date of commencement of the policy is applicable for all benefits payable under this cover.

    Specific waiting periods of 2 years will apply in case of some specific surgeries.

    In case of hospitalisation due to accident, the waiting period will be waived.

    For details on the waiting period, please refer to Annexure 1.

    For DHCB: 24 hours of continuous stay in the hospital.

    For SCB (Category 1-5): Claims trigger is actual undergoing of medically necessary listed surgery.

    For SCB (Category 6): Claims trigger is actual undergoing of medically necessary surgery (which is not part of the defined list) and a continuous stay of minimum 24 hours in the hospital.

    Policy loan is not available.

    The policy terminates under the following circumstances:

    Death of primary Policyholder. However, the secondary Policyholder will have an option to continue as the primary Policyholder till the age of 85 years.

    Date we receive your application for Surrender of the Policy

    If the policy is not reinstated

    Not receiving the application for guaranteed renewability within 30 days after the end of Policy Term

    Section 41 of the Insurance Act, 1938 states: 1) No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer. Any person making default in complying with the provision of this section shall be punishable with fine, which may extend to Five Hundred Rupees

    Section 45 of Insurance Act, 1938 states: In accordance with Section 45 of Insurance Act, 1938, no policy of life insurance shall, after the expiry of two years from the date on which it was effected, be called in question by an insurer on the ground that a statement made in the proposal of insurance or any report of a medical officer, or a referee, or a friend of the insured, or in any other document leading to the issue of the policy, was inaccurate or false, unless the insurer shows that such statement was on material factor or suppressed facts which it was material to disclose and that it was fraudulently made by the Policyholder and that the Policyholder knew at the time of making that the statement was false or that it suppressed facts which it was material to disclose.

    What is not covered under AEGON Religare iHealth Insurance Plan?
    Benefit will not be paid for any claim directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following:

    Any claim occurring as a result of Pre-existing conditions or their resultant complications unless stated in the proposal form and specifically accepted by the company and endorsed thereon.

    AIDS, HIV related complications or any Sexually Transmitted Diseases.

    Attempted suicide or self inflicted injury, irrespective of the mental condition.

    Hazardous sports or activities included but not limited to bungee jumping, mountaineering etc.

    Any flying activity other than as a bonafide passenger.

    Under the influence of alcohol, drugs or any substance not prescribed by a Registered Medical Practitioner.

    War, riots, civil commotion, strikes, civil war or service in the military or paramilitary forces of a country at war.

    Criminal, unlawful or illegal activity participation.

    Any treatment directly or indirectly arising from Exposure of Life Assured to Radioactive, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or Accident arising from such nature.

    Diagnosis or treatment taken outside India.

    Psychiatric or mental illness.

    Circumcision, any Cosmetic procedures or Plastic Surgery.

    Pregnancy, childbirth or their complications, Abortion, Medical Termination of Pregnancy, Infertility or sex change operation.

    Organ donation (donor costs).

    Rehabilitation or convalescent care or treatments or tests not consistent with customary medical treatment or diagnosis or stay in hospital beyond the customary length of stay where no active treatment is provided.

    Non-Allopathic treatment

    Purely investigative procedure not resulting in any treatment or unreasonable failure to seek medical advice.

    Congenital conditions, genetic disorders or birth defects unless specifically covered.

    All dental surgery or treatment are excluded except those arising due to accident and recommended by a registered and qualified medical practitioner.


    AEGON Religare Life Insurance Company

    AEGON, an international life insurance, pension and investment company, Religare, a global financial services group and Bennett, Coleman & company, India’s largest media house, have come together to launch AEGON Religare Life Insurance Company Limited (ARLI). ARLI launched its pan-India operations in July 2008 following a multi-channel distribution strategy with a vision to help people plan their life better.

    AEGON, as an international life insurance, pension and investment company, has businesses in over twenty markets in the Americas, Europe and Asia. With headquarters in The Hague, the Netherlands, AEGON companies employ approximately 28,000 people and serve some 40 million customers across the globe. AEGON has more than 160 years of experience with its roots going back to 1844. http://www.aegon.com

    Religare Enterprises Limited (REL) is a global financial services group with a presence across Asia, Africa, the Middle East, Europe and the Americas. The group offers a wide array of products and services ranging from insurance, asset management, broking and lending solutions to investment banking and wealth management. With over 10,000 employees across multiple geographies, Religare serves over amillion clients, including corporates and institutions, high net worth families and individuals and retail investors. http://www.religare.in

    Bennett, Coleman & Company Limited (BCCL), part of the Times Group, is India’s largest media house. It reaches out to 2,468 cities and towns all over India. The group owns and manages media brands like The Times of India, The Economic Times, Maharashtra Times, Navbharat Times, Femina, Filmfare, Grazia, Top Gear, Radio Mirchi, Zoom, Times Now, Times Music, Times OOH, Private Treaties and indiatimes.com.

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    For more details on terms and conditions, please read the sales brochure carefully before concluding a sale.
    Product Name: AEGON Religare iHealth Insurance Plan. UIN: 138N038V01. © Copyright AEGON Religare 2007

    Insurance is the subject matter of solicitation.
    AEGON Religare Life Insurance Company Limited Registration No. 138
    Registered office: AEGON Religare Life Insurance Company Limited, Building No. 3, Third floor, Unit No. 1, NESCO IT Park, Western Express Highway, Goregaon (E), Mumbai 400063. Tel: +91 22 6118 0100 | Fax: +91 22 6118 0200 / 300 | Email: customer.care@aegonreligare.com | Website : www.aegonreligare.com | Corporate Identity No. : U 66010MH2007PLC169110

    AEGON Religare Life Insurance Company is the pioneer in online insurance with plans like iTerm which is a term insurance plan, AEGON Religare iHealth, which is an online Health insurance plan, and iMaximize an online unit linked insurance plan. All these plans can be bought online within a few minutes. These policies also help in tax planning. AEGON Religare offers life insurance products for every need mainly protection, savings and health at very affordable rates. Trade logo displayed belongs to M/s AEGON N.V. and M/s Religare Enterprises Limited and used by AEGON Religare Life Insurance Company under trade agreement