Care Enhance Super Top up Health Insurance Plan

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 48-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.