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Care Enhance Super Top up Health Insurance Plan

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.

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Get Super Top Up Plan for Additional Benefits & Coverage

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    Reasons to Choose Care Health Insurance?

    • Healthcare Networks
      22900+ Cashless Healthcare Providers^^
    • Claim settled ratio
      38 Lakh+Insurance Claims Settled**
    • Claim settled
      24*7Claim and Customer Support

    What is Care Enhance Super Top up Health Insurance Plan?

    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.

    Plan Highlights of Care Enhance Super Top up Health Insurance Plan

    • A wide range of options for the maximum amount insured, up to 55 lac*, are available, and you can select the best one.
    • Regardless of prior claim history, all adult policyholders are entitled to an annual health examination.
    • Enhance Anywhere- a feature that lets you receive specific medical care anywhere in the world.
    • Our policy covers a range of contemporary daycare procedures.
    • There is no sub-limit on ICU costs, doctor's fees, etc. in the coverage.
    • At the nation's top network hospitals, you can receive quick medical care using a cashless treatment facility.
    • Section 80D of the Income Tax Act of India of 1961 entitles the policyholder to tax advantages.

    Cover Highlights

    Annual health check-up

    Annual health
    check-up

    Family floater option

    FAMILY FLOATER OPTION

    Expert opinion

    EXPERT OPINION
    (ADD-ON BENEFIT)

    Pre & Post hospitalization

    Pre & Post hospitalization
    Expenses

    Inpatient care

    INPATIENT CARE

    Day care treatment

    Day care treatments

    Icu charges doctor fees etc

    ICU CHARGES,
    DOCTOR'S FEES ETC, -NO LIMIT

    Organ donor cover

    ORGAN DONOR COVER

    Features of Care Enhance Super Top up Health Insurance Plan

    See all Sum Insured Options arrow close

    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
    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
    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
    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.
    tick-mark
    Room Rent Category Single Private Room
    ICU Charges, Doctor's Fee etc. No Limit
    Health Check-Up
    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.
    tick-mark
    Organ Donor Cover No Limit
    Brochure

    Download the Brochure for Enhance Complete Plan Details

    Download Enhance complete plan details

    Read Through it!
    Get Complete Policy Details in the Brochure With Our Expert Assistance!

    Add-ons to cover your specific needs

    EXPERT OPINION

    Expert Opinion

    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.

    Super Top-up Plan Details

    • 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 - 48 months

    Download Terms & Conditions
    • Any pre-existing ailment/injury that was diagnosed /acquired within 48 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

    Approval letter sent by the claim management team

    Query

    Query

    Hospital/Insured to response to the query raised by the claim management team

    Rejected

    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

    Approval letter sent by the claim management team

    Query

    Query

    Insured to response to the query raised by the claim management team

    Rejected

    Rejected

    We will communicate the reason in case of rejection

    22900+ HEALTH CARE PROVIDERS SERVE CASHLESS MEDICAL SERVICES ACROSS THE GLOBE

    Look for hospitals around you

    Detailed Hospital List
    22900+ Health Care Providers Across The Globe
    22900+ Health Care Providers Across The Globe

    Voice of our Customers

    J
    Jitendra December 01, 2023
    Enhance
    4

    Super top up plan

    Best plan if your sum insured finish and you want more sum insured without paying so much. must buy.
    AG
    Arindam Garai December 01, 2023
    Enhance
    4

    Helpful plan

    Moni is one of the best resources of care health, his support and advice was very helpful to me to take enhance plan that worked the wonders for me. Best wishes to her.
    KR
    Krishna Reddy Chini December 01, 2023
    Enhance
    4

    Best experience with care health insurance

    I have taken enhance in 2019, claim also settled in 2020 with 97 of claim amount. so much thank full to care Health insurance. System opeator also givdn good support to us in claim time.
    S
    Sridhar December 01, 2023
    Enhance
    5

    Good service

    In Care products are good for family members with suitable topup plan. They explain details clearly how to submit the claims documents in Care app and about policy terms and conditions. Good service by operations.
    Rahul Sangwan

    My appreciation for your prompt service

    Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!

    Rahul Sangwan

    Health Insurance

    Samanway Barik

    We will continue to avail of your scheme

    I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.

    Samanway Barik

    Health Insurance

    Soubhagya K Kulkarni

    Everything went very smooth

    Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.

    Soubhagya K Kulkarni

    Health Insurance

    Vaibhav Rai

    Really helpful explaining the process in advance

    Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.

    Vaibhav Rai

    Health Insurance

    Selecting a family health insurance plan might be difficult, considering the variety of insurers on the market that provide similar coverage. Simply choosing the coverage with the lowest premium is not a wise move. You must evaluate the advantages and disadvantages of various insurance policies. Care Health Insurance is a specialised health insurer that provides products with a customer's demands in the case of a medical emergency. With CHI, you can choose between various features that will provide you with the top health insurance available.

    Best Health Insurance Company of the year

    Best Health Insurance
    Company of the year*

    claims-paid

    38 Lakh+ Claims Settled**

    cashless-claim

    22900+
    CASHLESS HEALTHCARE PROVIDERS^^

    **Number of claims settled as of 30th June 2023       *India Insurance Summit & Awards 2023

    FAQs on Super Top up Health Insurance

    ×

    Oops! No results found for your keyword search

    Most Frequently Asked Questions

    Q. What do you mean by deductible in super top-up health insurance?

    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.

    Q. Who all are eligible for coverage under Super Top up Policy?

    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.

    Q. When does the Super Top-up Policy activate?

    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.

    Q. Is there any co-payment applied to this policy?

    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.

    Q. Will my pre-existing diseases be covered in Enhance?

    Our super top-up policy will provide coverage for any pre-existing disease (PED) after a 48-month waiting period from the date of policy inception.

    Q. Are any special discounts available under the policy?

    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.

    Q. What are the factors that will affect my super top-up health insurance premium?

    The factors affecting the cost of your super top-up health insurance premium entail age, deductible, pre-existing disease, and sum insured.

    Q. How will super top-up health insurance benefit my parents?

    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.

    ^^Number of Cashless Healthcare Providers as of 30th June 2023
    **Number of Claims Settled as of 31st May 2023
    ##10% discount is applicable for a 3-year policy

    Brochure

    Download the Brochure for Enhance Complete Plan Details

    Download Enhance complete plan details

    Read Through it!
    Get Complete Policy Details in the Brochure With Our Expert Assistance!

    Reach out to us
    Whatsapp Chat 8860402452

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