Care Enhance Plan

Overview

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 works on the policy deductible principle and offers flexible choices of deductible with a wide range of Sum Insured (SI) options.

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:

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
• Treatments arising from pregnancy and childbirth, miscarriage, abortion, and its consequences

Waiting Period Exclusions

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

• Pre-Existing Diseases (after 4 years)
• Specific Ailments (after 2 years)

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 a 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

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

Family Floater Premium

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