Care Enhance Super Top up Plan

A deductible is the amount you must pay for health care services before your insurer begins to pay. Under super top-up insurance, you pay your deductible only once and can claim multiple times in a year.

The minimum age to apply for individual cover is 18 for adults, while children can be covered from ages 5 to 24. There's no upper age limit for entering this policy, making it accessible to a wide range of applicants. The proposer should be at least 18 years old.

A super top-up insurance policy starts paying for medical expenses only after the chosen deductible is met. If a claim falls below this deductible, the insured is responsible for covering the costs.

There is a 20% co-payment in the super top-up policy. It is applicable if the policyholder's entry age in an individual policy (or the eldest insured member's in a family floater policy) is 61 years or older. The policyholder must bear 20% of the claim amount, and we will pay the remaining amount, subject to policy T&C.

Our super top-up policy covers any pre-existing disease (PED) after a 36-month waiting period from the policy start date.

Yes, a family discount is available when you include two or more family members under one health plan. Additionally, you can receive a long-term policy discount when purchasing health insurance for more than 2-3 years.

The cost of your super top-up health insurance premium depends on factors such as age, deductible, pre-existing conditions, and the sum insured.

As age increases, the risks of serious illnesses and healthcare expenses also grow. Purchasing top-up health insurance in India provides a financial safety net once your existing sum insured is depleted. It helps cover the costs of advanced medical treatments for your parents and allows for quick, cashless access to medical facilities.