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
KEY FEATURES | Product Details |
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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.
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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.
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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.
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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.
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Organ Donor Cover | No Limit |
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Most Frequently Asked Questions
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.
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
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!
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