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A top-up plan based on the policy deductible principle.
Care Enhance is a super top-up health insurance plan that provides extra health insurance coverage to you and your family. It is an ideal choice for those who already have another mediclaim policy or a limited self-financing capacity, as this plan covers expenses over and above their existing coverage. Care Enhance plan works on the Policy Deductible principle and offers flexible choices of deductible with a wide range of Sum Insured (SI) options.
Have a look at how Care Enhance works:
Suppose you have an insurance cover of 4 lakhs, but you think it is not sufficient to meet expensive medical treatments due to increasing inflation. In this scenario, you can buy a Care Enhance super top-up plan of 15 lakhs with a deductible of 4 lakhs (i.e., your existing cover). Now, this top-up cover pays for your healthcare expenses up to 15 lakhs if the medical bills cross 4 lakhs. Understand with an example below:
| Sum Insured | 5 Lakhs | 5 Lakhs | 5 Lakhs |
| Deductible | 1 Lakh | 2 Lakhs | 3 Lakhs |
| Claim Amount | 50K | 2.5 Lakhs | 3 Lakhs |
| Payable Amount | NA | 50K | NA |
| PLAN DETAILS |
Care Enhance Super Top Up Plan |
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Hdfc Ergo Energy Plan |
| Product Type | Family | Individual |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
- | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
- | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
- | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
- | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
- | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
- | Covered |
| Hospital_network (Number of Hospital Network in city) |
11400+ | 15000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
- | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
- | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
- | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
- | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
- | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
- | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
- | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
- | Covered |
| Plan Entry Age | Day 1 to no age bar | 18 to 65 Years |
| Plan Premium Entry Age and S/A | 3794 | 15086 |
| Plan Waiting Period | 30 | None |
| Plan Coverage | - | Individual |
| Plan Sample Premium | 3794 | 15086 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2, 3 years | 1 Year |
| ICU Charges | - | Not Covered |
| Covid-19 Treatment | - | Covered |
| Cataract | - | Covered |
| Automatic Restoration | - | Covered |
| Ayush Treatment | - | Not Covered |
| Modern Treatment | - | Not Covered |
| E Consultation | - | Not Covered |
| Air Ambulance | - | Not Covered |
| Global Coverage | - | Not Covered |
| Claim Ratio | 97 | 95.30 |
| Solvency Ratio | 1.74 | 2.00 |
|
Care Health Insurance Plan Detailed Review HDFC Ergo Health Insurance Plan Detailed Review |
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