Network hospitals
24800+
Incurred claim ratio
100%
Sum insured
Up to 1 Cr
No. of Plans
1
Solvency Ratio
1.8
Pan India Presence
158+
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 |
To understand Care Enhance Plan Insurance in detail, take a look at the below table:
Day 1 to no age bar
Family
10 L | 20 L | 30 L | 40 L | 55 L
30 Days
Lifelong
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 Plan Detailed Review
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.
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.
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
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
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:
Individual and Family Health Insurance
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
Individual and Family Health 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
Individual and Family Health Insurance
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
Critical Illness Health Insurance
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
Accident Health Insurance
Care Secure personal accident policy covers accidental death, permanent and temporary partial/total disability, recovering treatment costs, accidental...
Unique Features
Individual and Family Health Insurance
Care Supreme is an extensive coverage health insurance plan that safeguards you and your family members without worrying about your future healthcare ...
Unique Features
Individual and Family Health Insurance
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
Critical Illness Health Insurance
Critical Mediclaim Care health insurance policy gives you protection against 32 defined critical illnesses based on an indemnity plan. This super-faci...
Unique Features
Senior Citizen Health Insurance
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
Individual and Family Health Insurance
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
Women Health Insurance
An ideal combination of hospitalization and maternity care. Care Joy health insurance is designed specifically for expecting mothers and their newborn...
Unique Features
Family
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
Family
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
Individual and Family Health Insurance
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
Critical Illness Health Insurance
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
A deductible is an amount that policyholders need to pay for their medical expenses before using the top-up sum insured amount.
Super Top-up Policy activates when the medical expenses cross the deductible chosen in the plan.
There is a 4 year waiting period for pre-existing diseases from the date of policy inception.
Yes, you have to bear the 20% of co-pay on your medical expenses if your age is 61 years or above.
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Naval Goel is the Founder and CEO of PolicyX.com (IRDA- Approved Insurance Comparison Website). He is a CFA charter holder (USA) and FRM (GARP). He holds an MBA from IIFT, Delhi, and is also an Associate from the Insurance Institute of India. Naval is an avid investor and entrepreneur who has a deep understanding of the Indian equity market and insurance sector. He has been investing for more than 10 years now and is a CFA charter holder.
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