Save tax up to ₹75,000~ u/s 80D
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Save tax up to ₹75,000~ u/s 80D
Care Enhance - a Super Top up Health Insurance Plan that is a supplement to your standard health insurance plan, adds advantages and an increased sum to give you the best protection against medical costs.
Reasons to Choose Care Health Insurance?
A supplement to your current health insurance, Care Enhance Super Top-up insurance provides additional medical coverage. The policy protects against higher medical costs than those covered by your current health insurance. A super top-up policy functions as an additional safety net, paying for the medical expenses when the existing plan ceases to offer coverage.
The concept behind a super top-up health plan is the policy deductible. The coverage only covers your medical costs once you have paid a predetermined deductible. With Care Health Insurance, you have greater freedom in managing your healthcare spending by selecting a suitable deductible from a range of 1 to 10 lakhs. So it is a wise decision to get super top-up insurance if you want to increase your healthcare coverage.
Cover Highlights
Annual health
check-up
FAMILY FLOATER OPTION
EXPERT OPINION
(ADD-ON BENEFIT)
Pre & Post hospitalization
Expenses
INPATIENT CARE
Day care treatments
ICU CHARGES,
DOCTOR'S FEES ETC, -NO LIMIT
ORGAN DONOR COVER
| KEY FEATURES | Product Details |
|---|---|
| Deductible(or existing Policy Sum Insured) | 1L to 10L |
| Sum Insured | 1L to 30L |
| In Patient Care | Up to Sum Insured |
| Pre Hospitalization
info
We cover the related medical expenses incurred by you even 30 days before your hospitalization. There may also be follow-up visits to your medical practitioner, medication that is required etc. We cover the related medical expenses incurred by you after your hospitalization also, for a period of 60 days.
|
30 Days |
| Post Hospitalization
info
We cover the related medical expenses incurred by you even 30 days before your hospitalization. There may also be follow-up visits to your medical practitioner, medication that is required etc. We cover the related medical expenses incurred by you after your hospitalization also, for a period of 60 days.
|
60 Days |
| Day Care Treatment
info
If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours, we pay from room charges to operation theatre charges and more. We also pay for your medical expenses if you undergo even a day care treatment at a hospital that requires hospitalization for less than 24 hours - we cover a comprehensive range of 170 day care treatments, the highest in industry.
|
|
| Room Rent Category | Single Private Room |
| ICU Charges, Doctor's Fee etc. | No Limit |
| Health Check-Up
info
Our wish is your good health. To pre-empt your ever having to visit a hospital, you can avail our comprehensive health check-ups for yourself and members covered as adult in the policy, every year. Even if you make a claim with us! Just call our call center anytime, to schedule your appointment. Its simple.
|
|
| Organ Donor Cover | No Limit |
An add-on cover that offers expert opinion from a specialist medical professional, on ailments pertaining to certain specified major illnesses. We shall arrange the services for you on your behalf.
Entry age - Minimum Adult: 18 years and Child: 1 day (floater), 5 years (individual)
Entry Age - Maximum Adult no age limit and Child 24 years
Renewability Lifelong
Co-payment: 20% co-payment applicable if entry age is 61 years and above.
Initial Wait Period - 30 days
Named Ailment Waiting Period - 24 months
Pre-existing Disease Wait Period - 36 months
Any pre-existing ailment/injury that was diagnosed /acquired within 36 months prior to issuance of the first policy.
Any diseases contracted during first 30 days of the policy start date except those arising out of accidents
Non-allopathic treatment
Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
Cost of spectacles/contact lenses, dental treatment
Medical expenses incurred for treatment of AIDS
Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
Congenital disease
Tests and treatment relating to infertility and in vitro fertilisation
STEP 1
Emergency
Intimate within 24 hours of your hospitalization
Planned Hospitalization
Intimate us 24 hours of your hospitalization
STEP 2
Cashless
Request for pre-authorization
Reimbursement
Claim from submission
Complete the pre-authorization form available
at the hospitals insurance/TPA Desk and send us through fax.
Approval
Approval letter sent by the claim management team
Query
Hospital/Insured to response to the query raised by the claim management team
Rejected
You may initiate the treatment and file for reimbursement claim
Submission of claim form along with required
documents, as per the policy terms & conditions
Approval
Approval letter sent by the claim management team
Query
Insured to response to the query raised by the claim management team
Rejected
We will communicate the reason in case of rejection
Look for hospitals around you
My appreciation for your prompt service
Rahul Sangwan
Health Insurance
We will continue to avail of your scheme
Samanway Barik
Health Insurance
Everything went very smooth
Soubhagya K Kulkarni
Health Insurance
Really helpful explaining the process in advance
Vaibhav Rai
Health Insurance
Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.
Best Health Insurance
Company of the
Year*
48 Lakh + Claims Settled**
24800+
CASHLESS HEALTHCARE PROVIDERS^^
A deductible is an amount you need to pay for health care services before your insurer begins to pay. Under super top-up insurance, you need to pay your deductible amount only once and can then claim multiple times in a year.
Minimum Entry Age in Individual Cover: The age eligibility for adults is 18 years or above, and for children, the age eligibility is from 5 years to 24 years.
Maximum Entry Age: This policy has no maximum limit on entry age.
Age of the Proposer: Minimum 18 years or above.
A super top-up insurance policy will start providing coverage for medical expenses only when the number of claims crosses the deductible chosen in the plan. The insured has to bear the expenses if the claim amount is below the deductible.
There is a co-payment of 20% in the super top-up policy. It is applicable if the entry age of the policyholder in an individual policy (or the eldest insured member in a family floater policy) is 61 years or above. 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 will provide coverage for any pre-existing disease (PED) after a 36-month waiting period from the date of policy inception.
Yes. You get a family discount if you include two or more family members under a single health plan; you can also avail long term policy discount on buying health insurance for more than 2-3 years.
The factors affecting the cost of your super top-up health insurance premium entail age, deductible, pre-existing disease, and sum insured.
The risks of critical diseases also increase with age. The incurred healthcare expenses will subsequently be higher as one grows old. Investing in the best super top-up health insurance plans in India will give your finances a much-required cushion if you exhaust the sum insured of your current health cover. It will cover the costs of advanced medical treatment for your parents and help them access the cashless facility without any delays.
Disclaimer: The Information above is just for reference. Kindly read T & C of the policy thoroughly, Do refer to IRDAI guidelines for tax exemption conditions.
~Tax benefit is subject to changes in tax laws. Standard T&C Apply
^^Number of Cashless Healthcare Providers as of Feb 2025
**Number of Claims Settled as of 31st March 2024
~~10% discount is applicable for a 3-year policy
Get the best financial security with Care Health Insurance!
Sales:1800-102-4499
Services: 8860402452
Live Chat
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