Care Enhance is a super top-up plan that offers extended coverage to you and your family in times of medical need. The plan comes into the picture when your standard health insurance plan is exhausted due to the claims made in a policy year. The plan offers an extra safety net of coverage which works on the principle of policy deductible.
With several features, the plan ensures that you don’t have to compromise with your healthcare needs because of the lack of coverage.
Continue reading to explore more about the plan:
A list of benefits provided to the policyholders of the Care Enhance Top-Up Plan has been mentioned below:
Regardless of the claim history, under the plan, all the members covered under the family floater plan are provided with an annual health checkup.
The plan covers the expenses of all the daycare expenses that require Hospitalization for less than 24 hours.
The plan also comes in a 'floater' variant, where one can cover any member of their immediate family (prosper, spouse, parents, and children) for the sum insured in a single policy.
With this add-on benefit, one can avail an expert opinion from a specialist medical professional, on ailments about certain specified major illnesses.
The plan covers the expenses that are incurred while opting for treatment through the following advanced technology methods:
One can avail discounts on the premium payable if more than one person of the same family is individually covered in the same Policy.
Minimum Entry Age | Individual- Adult: 18 years, Children: 5 years Floater- Adult: 18 years, Children: 1 day with at least 1 member of age 18 years or above |
Maximum Entry Age | Adult: no age limit and Child: 24 years |
Renewal Age | Lifelong |
Deductible (or existing Policy Sum Insured) | Rs. 1 Lakhs to Rs. 10 Lakhs |
Sum Insured | Rs. 1 Lakhs to Rs. 30 Lakhs |
Initial Waiting Period | 30 Days |
Named Ailment Waiting Period | 24 months |
Pre-existing Disease Wait Period | 48 months |
**Last Updated on 06-04-2021
Care Enhance Super top-up plan covers all the hospitalization expenses when your standard health insurance plan exceeds the coverage amount. Before buying an Enhance Super Top-up plan, you need to select the deductible amount that you are willing to pay yourself.
For example, if you buy a Care Enhance with a sum insured of Rs. 10 Lakhs, and you choose the deductible of Rs. 4 Lakhs, then Rs. 4 Lakhs will be borne by you and the rest of the expenses over and above the deductible amount will be borne by the company.
To give you a clearer picture of how the premium is calculated, we have mentioned below a few scenarios that will help you understand the same. Go through the below-mentioned tables & graphs for better understanding:
Scenario 1:
Age of Individual 30 Years, Male without any pre-existing illnesses.
Deductible Chosen: Rs. 5 Lakhs
Sum Insured Options (in Rs.) | Premium Amount (in Rs.) |
10 Lakhs | 3,087 |
15 Lakhs | 3,573 |
20 Lakhs | 3,910 |
25 Lakhs | 4,342 |
**Last Updated on 06-04-2021
Graph Illustrating The Premium Amount Payable By A Individual for Care Enhance Super Top-up Plan
Scenario 2:
Age of an Individual: 35 years, wife: 30 years & Child: 2 Years
Deductible Chosen: Rs. 5 Lakhs
Sum Insured Options (in Rs.) | Premium Amount (in Rs.) |
10 Lakhs | 6,129 |
15 Lakhs | 7,053 |
20 Lakhs | 7,694 |
25 Lakhs | 8,516 |
**Last Updated on 06-04-2021
Graph Illustrating The Premium Amount Payable By A Family for Care Enhance Super Top-up Plan
Parameters | |
In-patient Coverage | Available |
Room Rent Category | Single Private Room |
Pre-Hospitalization | 30 days |
Post-Hospitalization | 60 days |
Free health checkup | Every Year |
Alternative Treatments | Not Available |
Organ donor Expenses | Covered |
Second opinion | Available |
Maternity Coverage | Not Available |
Worldwide emergency coverage | Yes |
Co-payment | 20% of if age>60 |
Cashless Hospitalization | Available |
Day Care Treatments | 170 |
**Last Updated on 06-04-2021
For your easy reference the list of exclusions have been mentioned below:
Follow the below-mentioned steps to buy this plan in an easy and hassle-free manner:
For more information about this plan, please get in touch with the customer service team of PolicyX.com at 1800-4200-269.
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March 6, 2021
July 16, 2020
Policyx is the best insurance web aggregator I have seen.Mrs Mayuri on behalf of policyx has helped me in choosing the best health plan and provided me fast and trustful service
July 16, 2020
Policyx has provided the best service as insurance web aggregator.It guided me in choosing the best health plan.
May 27, 2020
Shubham has been prompt in providing information. He is a good salesman hope he provides good service too
May 16, 2020
I had never heard of this company before. Intialy like all peiple i had doubt of cybre crime but. But Miss Mayuri has proved me wrong. I had bought the policy fir my family and before getting insured she made sure that i am tiyaly satisfied and convencied. She helped me a lot fir picking the right policy. From my bottom of my heart i wish with same confidence and agility ahe will bring good business to Policy X. Kudoos to Policy X for having such briliant staff.
Last updated on 06-04-2021
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I am really very much satisfied with the service of policyx and i am very thanful to them in general and mr sanjiv in particular