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Deductible ( Rs. In Lakh) :
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Top Up Health Insurance Plan

About Super Top Up Health Insurance

Think Health Insurance and a hundred questions pop up in your mind. First among them being, how much insurance cover do I need? While some feel capable enough to self-finance their healthcare treatment if and when need arises; others feel satisfied with their existing insurance cover. But what if the illness is way too critical and expenses tower beyond what you ever imagined or could afford? Considering the growing medical inflation, you sure don’t want that extra burden turning your world upside down.

Which is why, at Care Health Insurance (formerly known as Religare Health Insurance Company Limited), we have designed Enhance - a high deductible Super Top Up health insurance for you and your family. With Enhance, you have that extra safety net of insurance coverage which works on the principle of policy deductible. Simply choose your comfort level in terms of the deductible you can manage (either by self-financing or any other insurance) along with your desired Sum Insured and stay worry free when it comes to you and your family’s current and future healthcare needs.

How Super Top up Health Insurance Works?

Enhance-Top Up Health Insurance works on the simple principle of Policy Deductible, which is the predefined amount that you will bear, through your own finances or any other insurance, during a medical event. Any amount over and above policy deductible will be borne by us. Simply put, if you opt for a Rs. 6 lac Sum Insured with deductible of Rs. 2 lac, then 2 lac will be borne by you and 6 lac over and above the deductible of 2 lac will be borne by us during the policy period.

Highlights of Super Top-Up Health Insurance - Enhance

  • In-patient Care
  • Organ donor cover
  • Day Care Treatment
  • Floater Option
  • Pre & Post Hospitalization
  • Longer Policy Term
  • Enhance Anywhere
  • Tax Benefit
  • Expert Opinion (Add-on Benefit)

Key Features you get with Enhance Top-up Health Insurance:

Plan Options
Features/plan (Sum Insured ) Enhance 1
Deductible(or existing Policy Sum Insured) 1 Lac to 10 Lac
Sum Insured 1 Lac to 30 Lac
In patient Care Up to Sum Insured
Pre Hospitalization
30 Days
Post Hospitalization
60 Days
Day Care Treatment
Room Rent Category Single Private Room
ICU charges, Doctor's fee etc. No Limit
Health check-up
Organ Donor Cover Yes

For complete product details, kindly refer Prospectus and Sales Literature in the Download Section. Click here

Coverage under Enhance Super Top-Up Health Insurance

Hospitalization charges

If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours, the following is covered - room charges, nursing expenses and intensive care unit charges to surgeon’s fee, doctor’s fee, anaesthesia, blood, oxygen, operation theatre charges, etc.

Pre Hospitalization

Medical expenses like examination, tests, medication etc. incurred before hospitalization are covered under this super top up plan.

Post Hospitalization

Medical expenses incurred on follow-up visits, consultations, therapy, medication etc. after your hospitalization are covered under this super top up plan.

Health check-up

To pre-empt you ever having to visit a hospital, we provide an annual health check-up for yourself and adult members of your family covered under this top up health insurance plan.

Organ Donor Coverage

Medical expenses that are incurred by an organ donor while undergoing the organ transplant surgery are covered under this top up plan.

Unique features of Enhance Super Top Up Health Insurance

One policy. Covers entire family.

Under the ‘floater plan’, you can cover any member of your immediate family (yourself, spouse and children or parents) for the sum insured in a single policy.

Longer Policy Term

To make the process of renewing your health insurance more convenient, you can choose a policy with tenure between one to three years.

Post Hospitalization

Medical expenses incurred on follow-up visits, consultations, therapy, medication etc. after your hospitalization are covered under this super top up plan.

Cashless Hospitalization

With cashless hospitalization, you no longer need to run around paying off hospital bills and then following up for a reimbursement. All you now need to do is get admitted to any of our network hospitals and concentrate only on your recovery. Relieve yourself from the worry of arranging for the funds. Leave the bill payment arrangements to us.

Direct Insurance Claim Filing

Either in the case of an emergency or a planned hospitalization, all you have to do is present the Care Health Card at our network of more than 8250+ leading hospitals pan India and avail cashless service. In case of reimbursement of expenses when you use a non-network hospital, all you need to do is notify us immediately about the claim. Call us directly, send us the specified documents and we’ll process your claim.

Review your decision

After purchasing the policy, if you find it unsuitable, you can cancel and return the policy to us. Our policies come with a free-look period of 15 days from the date of receipt of policy.

Benefits of Enhance Super Top Up Insurance

  • Flexible choice of deductible with wide range of Sum insured options max up to 55 lakhs*
  • Annual health check-up for adult insured members – regardless of claim history
  • No pre-policy medical check-up for insurance coverage – (Deductible + Sum Insured) less than 40 lacs, till 50 years of age
  • Avail select medical treatment anywhere in the world with Enhance Anywhere feature
  • Hassle-free cashless treatment at leading network hospitals, across the country
  • Direct Insurance Claim settlement


Disclaimer: For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.

UIN: IRDA/NL-HLT/RHI/P-H/V.I/305/13-14. UAN2: 19032846.

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