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Updated on Jul 15, 2025 4 min read

Care Enhance Plan

A top-up plan based on 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 the expenses over or above their existing coverage. Care Enhance plan works on the Policy Deductible principle and offers flexible choices of deductible with a wide range of 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 the expensive medical treatments due to the 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

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Care Enhance Plan Specifications

To understand Care Enhance Plan Insurance in detail, take a look at the below table:

Entry Age

Day 1 to no age bar

Policy Type

Family

Sum Insured

10 L | 20 L | 30 L | 40 L | 55 L

Initial Waiting Period*

30 Days

Renewability

Lifelong

Policy Term

1, 2, 3 years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

Care Health Insurance Network Hospital List

Care Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Network Hospital

Care Enhance Premium

PolicyX.com aims at making the premium calculation of a top-up plan simpler for you. Therefore, we have calculated two samples of annual premiums for 1 year policy term based on the same sum insured with different deductible amounts. Find sample premiums of both plan variants below:

Individual Plan Premium

Age Group	Sum Insured	Deductible	Sample Annual Premium (1A)
25 - 35 years	6 Lakhs	2 Lakhs	3794
25 - 35 years	6 Lakhs	3 Lakhs	3086

*The premium calculated in the table is inclusive of 18% GST.

Family Floater Premium

Age Group	Sum Insured	Deductible	Sample Annual Premium (2A+1C)
45 - 55 years	20 Lakhs	5 Lakhs	15606
45 - 55 years	20 Lakhs	10 Lakhs	11537

*The premium calculated in the table is inclusive of 18% GST.

Care Enhance Exclusions

Permanent Exclusions

The following diseases or health conditions are not included in this health insurance plan:

Injuries resulting from a suicide attempt

Hospitalization due to alcohol, and drug abuse

Cost of spectacles, contact lenses, and dental treatment

Treatment of AIDS

Congenital Disease

Non-allopathic treatment

Treatments related to infertility and in-vitro fertilization

Treatment arises due to pregnancy and childbirth, miscarriage, abortion, and its consequences

Coverage after Waiting Period

Some treatments are covered after a defined waiting period under this plan. To know more, read below:

Pre-Existing Diseases after 4 years

Specific ailment after 2 years

Explore other Care Health Insurance

To cater to the different medical needs of an individual & their family, Care Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Care Health Insurance plans explore more:

Group Health Insurance

Care Group Health Insurance

Care Health provides Group Health insurance, Group Personal Accident Insurance, and Group Travel Insurance. Care Health Insurance has offered 11,000+ ...

Unique Features

Explore Care Health Group Plans
Care Claim Settlement Ratio
Benefits of Care Group Plans

Care Group Health Insurance (Pros)

Care Group Health Insurance (Cons)

Care Group Health Insurance (Other Benefits)

Care Group Health Insurance (Eligibility Criteria)

Individual and Family Health Insurance

Care Ultimate Care Plan

The Ultimate Care health insurance plan by Care Health is designed to provide comprehensive coverage to the policyholder with a range of benefits. Thi...

Unique Features

Moneyback benefits
Newborn coverage
Medi vouchers

Care Ultimate Care Plan (Pros)

Ambulance cover
Discounts
Loyalty boost
New born cover

Care Ultimate Care Plan (Cons)

OPD not covered
Cosmetic surgeries
Congenital diseases

Care Ultimate Care Plan (Other Benefits)

MedVoucher
Cumulative bonus
Doctor on chat

Care Ultimate Care Plan (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - No Age Limit
SI - 5 L to 1 Cr
Waiting Period - 30 Days

Critical Illness Health Insurance

Care Heart Plan

Care Heart is a unique plan launched by Care Health Insurance that provides the flexibility to choose from benefits like Active heart health check-ups...

Unique Features

Coverage for OPD
Home care available
International 2nd opinion

Care Heart Plan (Pros)

Cardiac health check up
Second medical opinion
Automatic SI restoration
Lifelong cover

Care Heart Plan (Cons)

Change of gender treatment
Obesity treatment unavaialable
Hazardous activity not covered
HIV/AIDS not covered

Care Heart Plan (Other Benefits)

OPD care
Home care
International 2nd opinion
Automatic recharge
High SI

Care Heart Plan (Eligibility Criteria)

Entry age- 18 years
Max entry age- No age limit
SI- 3 to 10 L
Waiting period- 30 days

Individual and Family Health Insurance

Care Plus Plan

Care Plus health insurance is a complete healthcare plan that is loaded with features and protects you and your family. Care Plus offers comprehensive...

Unique Features

Comprehensive coverage
No upper age limit
Variants on Sum Insured

Care Plus Plan (Pros)

Ambulance cover
Day care treatments
Domiciliary hospitalization

Care Plus Plan (Cons)

Illegal activities
alcohol abuse
obesity treatment

Care Plus Plan (Other Benefits)

Personal accident cover
Inflation shield
Health services

Care Plus Plan (Eligibility Criteria)

Min entry age: 5 Years
Max entry age: No limit
Initial Waiting Period: 30 Days
Sum Insured: Up to 25 L

Family

Care Classic

Get coverage based on your residential zone. Care Classic health insurance is a family floater health plan ideal for married couples, joint families, ...

Unique Features

IVF treatment cover
Free doctor consultation
Discounted premiums

Care Classic (Pros)

Room rent covered
Day care treatment
Advanced technology methods
ICU charges

Care Classic (Cons)

Global coverage
Air ambulance
Vaccination
Daily hospital cash

Care Classic (Other Benefits)

AYUSH treatment
IVF treatment
Cataract
No claim bonus

Care Classic (Eligibility Criteria)

Min. entry age: 18 Years
Max. entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 15 L

Family

Care Enhance Plan

A top-up plan based on policy deductible principle Care Enhance is a super top-up health insurance plan that provides extra health insurance coverage ...

Unique Features

Flexible deductible
Modern treatments
No pre-medical check-ups

Care Enhance Plan (Pros)

Covers modern treatment
Flexible options of deducton
No pre-policy medical test
Annual health check-up
Floater option

Care Enhance Plan (Cons)

Change of gender treatments
Obesity treatment unavailable
HIV/AID not covered

Care Enhance Plan (Other Benefits)

High sum insured
Organ donor expenses
Expert opinion cover
Cashless treatment

Care Enhance Plan (Eligibility Criteria)

Entry age- 5 years
Max entry age- No age limit
SI- 1 L to 55 L
Waiting period- 30 days

Women Health Insurance

Care Joy Plan

An ideal combination of hospitalization and maternity care. Care Joy health insurance is designed specifically for expecting mothers and their newborn...

Unique Features

Newborn baby cover
541 Daycare treatments
Modern treatments cover

Care Joy Plan (Pros)

2 Plan variants
New born cover
Maternity cover

Care Joy Plan (Cons)

Illegal activities
Alcohol abuse
Ambulance cover

Care Joy Plan (Other Benefits)

No claim bonus
Renewal
Lifelong renewability

Care Joy Plan (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 5 L

Individual and Family Health Insurance

Care Plan

Single health insurance to cover all family members. Care health insurance plan is a comprehensive medical policy for individuals and families. It is ...

Unique Features

No claim bonus up to 100%
Annual health check-ups
Personal accident cover

Care Plan (Pros)

In-built maternity cover
No upper age limit for enrollment
Coverage for modern treatment
Pre-existing diseases

Care Plan (Cons)

War
Riot
AIDS
Miscarriage
Congenital disease

Care Plan (Other Benefits)

Lifelong renewability
ICU charges
Day care treatment
Ambulance cover
Organ donor cover

Care Plan (Eligibility Criteria)

Min entry age: 91 days
Max entry age: No limit
Initial Waiting Period: 30 Days
Sum Insured: Up to 6 Cr

Senior Citizen Health Insurance

Care Senior

Care Senior Citizen is specially designed to offer coverage for individuals above 60 years of age. It offers flexibility to choose the sum insured tha...

Unique Features

No pre-policy check-up
Annual rewards available
Reduction in wait period

Care Senior (Pros)

Affordable premiums
Day care treatments
ICU charges

Care Senior (Cons)

Illegal activites
Adventure sports
Alcohol abuse

Care Senior (Other Benefits)

No-claim bonus
Second opinion
Alternative treatments

Care Senior (Eligibility Criteria)

Min entry age: 61 Years
Max entry age: No Limit
Initial Waiting Period: 30 Days
Sum Insured: Up to 10 L

Critical Illness Health Insurance

Care Critical Mediclaim

Critical Mediclaim Care health insurance policy gives you protection against 32 defined critical illnesses based on an indemnity plan. This super-faci...

Unique Features

32 Critical illnesses cover
Dialysis expenses covered
Avail psychiatric counselling

Care Critical Mediclaim (Pros)

Wellness benefits
Organ donor cover
32 CI covered

Care Critical Mediclaim (Cons)

Obesity treatment
alcohol abuse
illegal activities

Care Critical Mediclaim (Other Benefits)

Global coverage
International opinion
Doctor on call

Care Critical Mediclaim (Eligibility Criteria)

Min entry age: 5 Years
Max entry age: 50 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 2 Cr

Individual and Family Health Insurance

Care Freedom Health Insurance Plan

Free yourself from the worries of healthcare. As the name suggests, Care Freedom is the plan that allows you to be worry-free in every situation. Thi...

Unique Features

Additional health checkups
Dialysis cover
No pre-medical check-up

Care Freedom Health Insurance Plan (Pros)

No pre-policy checkup needed
Dialysis cover available
Annual health checkup

Care Freedom Health Insurance Plan (Cons)

Change of gender treatment
Obesity treatment
HIV/AIDS not covered
Cosmetic surgery unavailable

Care Freedom Health Insurance Plan (Other Benefits)

Cashless healthcare
No pre-policy check up
SI recharge
Lifelong renewability

Care Freedom Health Insurance Plan (Eligibility Criteria)

2 plan variants
Consumable allowance
Annual health check-up
Long term discounts

Individual and Family Health Insurance

Care Supreme Plan

Care Supreme is an extensive coverage health insurance plan that safeguards you and your family members without worrying about your future healthcare ...

Unique Features

Unlimited E-consultations
Automatic Restoration
Wellness Benefits

Care Supreme Plan (Pros)

Modern treatments
Renewal discounts
Unlimited e-consultation

Care Supreme Plan (Cons)

Illegal activities
alcohol abuse
obesity treatments

Care Supreme Plan (Other Benefits)

Ambulance cover
Doctor on chat
Maternity care

Care Supreme Plan (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: No age limit
Initial Waiting Period: 30 Days
Sum Insured: Up to 1 Cr

Accident Health Insurance

Care Secure Personal Accident

Care Secure personal accident policy covers accidental death, permanent and temporary partial/total disability, recovering treatment costs, accidental...

Unique Features

PTD & PPD cover
Cover for child education
100% accidental death payout

Care Secure Personal Accident (Pros)

Accidental death
Accidental total disablement
Permanent total disablement

Care Secure Personal Accident (Cons)

Illegal activities
Alcohol abuse
Obesity treatment

Care Secure Personal Accident (Other Benefits)

Accidental hospitalisation
Tax benefits
Loyalty benefit

Care Secure Personal Accident (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 70 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 50 L

Critical Illness Health Insurance

Cancer Mediclaim Policy

Worried about cancer in your bloodline? Care Cancer Mediclaim has got you covered. Cancer can be defined as distress, hopelessness and loss. There cou...

Unique Features

Wide SI options
Lifelong renewability
Cancer-related global coverage

Cancer Mediclaim Policy (Pros)

Annual health checkup
Chemo and radiotherapy cover
Air ambulance cover
Chemo and radio therapy
Organ donor cover

Cancer Mediclaim Policy (Cons)

Change of gender treatment
Obesity treatment unavailable
HIV/AIDS not covered
Cosmetic surgery unavailable

Cancer Mediclaim Policy (Other Benefits)

International second opinion
Doctor on call
Air ambulance cover
OPD cover

Cancer Mediclaim Policy (Eligibility Criteria)

Entry age- 5 years
Max entry age- 50 years
SI- 10 L to 2 Cr
Waiting Period- 30 days

Individual and Family Health Insurance

Care Advantage Plan

Care Advantage Health Insurance is an ideal 1 Crore option so that a policyholder's family is adequately covered. Care Advantage health insurance offe...

Unique Features

High sum insured
540+ procedures covered
Organ donation cover

Care Advantage Plan (Pros)

No bonus claim up to 50%
Automatic SI recharge
Organ donor cover
Automatic recharge
High SI

Care Advantage Plan (Cons)

20% co-pay
Obesity treatment unavailable
Hazardous activity not covered

Care Advantage Plan (Other Benefits)

Ambulance cover available
Optional cover available
Co-pay waiver
Room rent modification

Care Advantage Plan (Eligibility Criteria)

Entry age- 91 days
Max entry age- Lifelong
SI- 25 L to 6 Cr
Waiting Period- 30 days

Individual and Family Health Insurance

Care Operation Insurance

Care Operation Insurance Plan is designed specifically to offer you surgical operations coverage. A wide range of sum insured options are available ra...

Unique Features

Unlimited E-consultations
Automatic Restoration
Wellness Benefits

Care Operation Insurance (Pros)

Health services
Air Ambulance cover
Chemotherapy cover

Care Operation Insurance (Cons)

Illegal activities
Alcohol abuse
Obesity treatments

Care Operation Insurance (Other Benefits)

Dialysis cover
Second opinion
Organ donor cover

Care Operation Insurance (Eligibility Criteria)

Min entry age: 5 Years
Max entry age: 50 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 2 Cr

Individual and Family Health Insurance

Arogya Sanjeevani Plan

Arogya Sanjeevani was first introduced by IRDAI (Insurance Regulatory and Development Authority of India) in the year 2020 to provide a standard and a...

Unique Features

High sum insured
540+ procedures covered
Organ donation cover

Arogya Sanjeevani Plan (Pros)

AYUSH treatment
Affordable premium
Lifelong renewability
Tax benefit

Arogya Sanjeevani Plan (Cons)

Change of gender treatment
Obesity treatment unavailable
Hazardous activity not covered

Arogya Sanjeevani Plan (Other Benefits)

Modern treatments available
50% cumulative bonus
30 days pre-hospitalisation

Arogya Sanjeevani Plan (Eligibility Criteria)

Entry age- 5 years
Max entry age- 65 years
SI- 5 L
Waiting period- 30 days

Health Insurance Premium Calculator

PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. You can input your details and check out some of the most suitable health insurance policies for your specific requirements. This is the easiest, most efficient, spam and gimmick-free way to buy health insurance today.

Care Enhance Plan: FAQs

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

A deductible is an amount that policyholders need to pay for their medical expenses before using the top-up sum insured amount.

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

Super Top-up Policy activates when the medical expenses cross the deductible chosen in the plan.

3. Did Care Enhance cover pre-existing diseases?

There is a 4 year waiting period for pre-existing diseases from the date of policy inception.

4. Is there any co-payment clause under the Care Enhance policy?

Yes, you have to bear the 20% of co-pay on your medical expenses if your age is 61 years or above.

Care Enhance Plan

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Care Enhance Plan

Why Do We Exist?

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Care Enhance Plan Specifications

Entry Age

Policy Type

Sum Insured

Initial Waiting Period*

Renewability

Policy Term

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Care Health Insurance Network Hospital List

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Care Enhance Premium

Care Enhance Exclusions

Permanent Exclusions

Coverage after Waiting Period

Explore other Care Health Insurance

Care Group Health Insurance (Pros)

Care Group Health Insurance (Cons)

Care Group Health Insurance (Other Benefits)

Care Group Health Insurance (Eligibility Criteria)

Care Ultimate Care Plan (Pros)

Care Ultimate Care Plan (Cons)

Care Ultimate Care Plan (Other Benefits)

Care Ultimate Care Plan (Eligibility Criteria)

Care Heart Plan (Pros)

Care Heart Plan (Cons)

Care Heart Plan (Other Benefits)

Care Heart Plan (Eligibility Criteria)

Care Plus Plan (Pros)

Care Plus Plan (Cons)

Care Plus Plan (Other Benefits)

Care Plus Plan (Eligibility Criteria)

Care Classic (Pros)

Care Classic (Cons)

Care Classic (Other Benefits)

Care Classic (Eligibility Criteria)

Care Enhance Plan (Pros)

Care Enhance Plan (Cons)

Care Enhance Plan (Other Benefits)

Care Enhance Plan (Eligibility Criteria)

Care Joy Plan (Pros)

Care Joy Plan (Cons)

Care Joy Plan (Other Benefits)

Care Joy Plan (Eligibility Criteria)

Care Plan (Pros)

Care Plan (Cons)

Care Plan (Other Benefits)

Care Plan (Eligibility Criteria)

Care Senior (Pros)

Care Senior (Cons)

Care Senior (Other Benefits)

Care Senior (Eligibility Criteria)

Care Critical Mediclaim (Pros)

Care Critical Mediclaim (Cons)

Care Critical Mediclaim (Other Benefits)

Care Critical Mediclaim (Eligibility Criteria)

Care Freedom Health Insurance Plan (Pros)

Care Freedom Health Insurance Plan (Cons)

Care Freedom Health Insurance Plan (Other Benefits)

Care Freedom Health Insurance Plan (Eligibility Criteria)

Care Supreme Plan (Pros)

Care Supreme Plan (Cons)

Care Supreme Plan (Other Benefits)

Care Supreme Plan (Eligibility Criteria)

Care Secure Personal Accident (Pros)

Care Secure Personal Accident (Cons)