Enhance Super Top-Up
  • Recharge Your Base Health Plan
  • Explore the Key Features of the Plan
  • Check the Eligibility Criteria

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Care Enhance Super Top-Up Plan (Formerly known as Religare Enhance Super Top-Up Plan)

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:

Key Benefits Of Enhance Super Top-Up Plan (Formerly known as Religare Enhance Super Top-Up Plan)

A list of benefits provided to the policyholders of the Care Enhance Top-Up Plan has been mentioned below:

1 Annual Health Check-up

Regardless of the claim history, under the plan, all the members covered under the family floater plan are provided with an annual health checkup.

2 Day Care Treatment

The plan covers the expenses of all the daycare expenses that require Hospitalization for less than 24 hours.

3 Floater Cover

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.

4 Expert Opinion

With this add-on benefit, one can avail an expert opinion from a specialist medical professional, on ailments about certain specified major illnesses.

5 Advanced Technology Treatments

The plan covers the expenses that are incurred while opting for treatment through the following advanced technology methods:

  • Uterine Artery Embolization and HIFU
  • Balloon Sinuplasty
  • Deep Brain stimulation
  • Oral chemotherapy.
  • Immunotherapy- Monoclonal Antibody to be given as an injection
  • Intra vitreal injections
  • Robotic surgeries
  • Stereotactic radiosurgery
  • Bronchial Thermoplasty
  • The vaporization of the prostate (Green laser treatment or holmium laser treatment)
  • IONM - (Intra Operative Neuro Monitoring)
  • Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for hematological conditions to be covered

6 Family Discount

One can avail discounts on the premium payable if more than one person of the same family is individually covered in the same Policy.

Eligibility Criteria of Care Enhance Super Top-Up Plan

Minimum Entry AgeIndividual- 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 AgeAdult: no age limit and Child: 24 years
Renewal AgeLifelong
Deductible (or existing Policy Sum Insured)Rs. 1 Lakhs to Rs. 10 Lakhs
Sum InsuredRs. 1 Lakhs to Rs. 30 Lakhs
Initial Waiting Period30 Days
Named Ailment Waiting Period24 months
Pre-existing Disease Wait Period48 months

**Last Updated on 06-04-2021

How Does Care Enhance Super Top-Up Plan Works?

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.

Sample Illustration of Care Enhance Super Top-Up Plan

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, Policy Term: 1 year

Sum Insured Options (in Rs.)Premium Amount (in Rs.)
10 Lakhs3,087
15 Lakhs3,573
20 Lakhs3,910
25 Lakhs4,342

**Last Updated on 06-04-2021

Graph Illustrating The Premium Amount Payable by a Individual for Care Enhance Super Top-up Plan

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, Policy Term: 1 year

Sum Insured Options (in Rs.)Premium Amount (in Rs.)
10 Lakhs6,129
15 Lakhs7,053
20 Lakhs7,694
25 Lakhs8,516

**Last Updated on 06-04-2021

Graph Illustrating The Premium Amount Payable By A Family for Care Enhance Super Top-up Plan

Graph Illustrating The Premium Amount Payable By A Family for Care Enhance Super Top-up Plan

What Does Care Enhance Cover?

ParametersCoverage
In-patient CoverageAvailable
Room Rent CategorySingle Private Room
Pre-Hospitalization30 days
Post-Hospitalization60 days
Free health checkupEvery Year
Alternative TreatmentsNot Available
Organ donor ExpensesCovered
Second opinionAvailable
Maternity CoverageNot Available
Worldwide emergency coverageYes
Co-payment20% of if age>60
Cashless HospitalizationAvailable
Day Care Treatments170

**Last Updated on 06-04-2021

What is Not Covered In Care Enhance?

For your easy reference the list of exclusions has been mentioned below:

  • 48 months from the date of the issuance of the policy, any pre-existing disease that was diagnosed or infected did not get coverage.
  • Non-allopathic treatment.
  • Suicidal attempt or any injury due to self-carelessness is not considered.
  • Dental expenses or the cost of spectacles and contact lenses are not covered.
  • Medical costs for AIDS treatment.
  • Diseases like congenital diseases do not get the cover.
  • Treatment related to infertility and in vitro fertilization is not covered.
  • Treatment under the miscarriage and early-stage pregnancy or childbirth is not entertained under the plan.
  • Cases of alcoholism and drug abuse are not covered under the plan.

How To Buy Care Enhance Super Top-up (Formerly known as Religare Enhance Super Top-Up Plan)?

Follow the below-mentioned steps to buy this plan in an easy and hassle-free manner:

  • Go to the official website of Care Health Insurance.
  • Go to the 'Health Insurance' tab and click on 'Care Enhance'.
  • Enter your 'Mobile Number' and 'Email Id' and click on 'Get Quote'.
  • Fill in the required information and check the premium details.
  • Pay the premium online and the policy document will be shared at your email address.

For more information about this plan, please get in touch with the customer service team of PolicyX.com at 1800-4200-269.

Care Health Insurance Plans (Formerly Known As Religare Health Insurance)

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August 16, 2021

Ram Dulari

Dehradun

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August 16, 2021

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Guwahati

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Ahmedabad

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Pune

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August 6, 2021

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Chandigarh

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Last updated on 06-04-2021

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