Care Enhance Super Top Up Health Plan
Care Health Insurance
Highlighted Features
Room rent and ICU limit:
No cap on room rent; ICU charges covered up to sum insured, allowing unrestricted access to quality care.
Advanced treatments
Covers robotic surgeries, stem cell therapy (approved conditions), proton beam therapy, and modern procedures, ensuring access to cutting-edge treatments.
Policy Wording
Brochure
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Our Verdict
Care Enhance 2 is a top-up health insurance plan with high sum insured options and deductible-based premiums. It covers hospitalization, advanced treatments, and AYUSH therapies. Add-ons like Global Treatment Cover, Critical Illness Cover, and Maternity & Newborn Cover enhance protection. However, room rent limits, a 20% co-payment for senior citizens, and waiting periods of up to 4 years for pre-existing diseases apply.
About the Plan
Care Enhance 2 is a top-up health insurance plan designed to provide additional coverage beyond your existing health insurance. It offers high sum insured options with a deductible, ensuring cost-effective premiums. The plan covers in-patient hospitalization, pre- and post-hospitalization expenses, day care procedures, and domiciliary treatments. It also includes annual health check-ups and ambulance coverage. With lifelong renewability and tax benefits under Section 80D, Care Enhance 2 ensures extended financial protection against medical expenses while complementing your primary health insurance.
About the Plan
Features of the Product
Room Rent (Normal & ICU)
Normal: single private room
ICU: No limit
Advanced Treatments
Robotic surgeries
stem cell therapy
Oral chemotherapy
Targeted therapy, and advanced radiation techniques.
Co-payment
Care Enhance 2 includes a co-payment clause, requiring policyholders to pay a percentage of claims before the insurer covers remaining expenses.
Waiting Periods
Initial Waiting Period: A 30-day waiting period applies from the policy start date, except for accidental hospitalization.
Pre-Existing Diseases (PED): Coverage for pre-existing conditions begins after a waiting period of 24 to 48 months, depending on the policy terms.
Specific Diseases: Certain illnesses and treatments, such as hernia, cataracts, and joint replacements, have a waiting period of 24 to 48 months.
Maternity and Newborn Cover (if applicable): Typically has a waiting period of 9 months to 4 years.
Cashless Healthcare Providers
24800+ Network hospitals.
Day Care Treatments
Covered under this policy.
AYUSH Treatment
Covered under this policy.
Exclusions
Pre-existing diseases are not covered until the completion of the waiting period.
Treatment for illnesses or injuries resulting from drug or alcohol abuse is excluded.
Cosmetic or aesthetic procedures, unless medically necessary due to an accident or illness, are not covered.
Self-inflicted injuries, suicide attempts, or harm due to hazardous activities are excluded.
Treatment for infertility, sterility, or assisted reproductive techniques is not covered.
Dental procedures, unless required due to an accident, are excluded.
Injuries or illnesses resulting from participation in adventure sports or professional sports are not covered.
Treatment related to weight loss, obesity, or bariatric surgery is excluded unless specified in the policy.
Any treatment received outside the policy network without prior approval is excluded.
Non-medical expenses, including consumables like gloves, masks, or administrative costs, are not covered.
Congenital diseases or defects unless specifically covered under the policy are excluded.
Alternative treatments, except for AYUSH treatments if included in the policy, are not covered.
Treatment for conditions arising due to war, terrorism, or nuclear hazards is excluded.
Expenses for rehabilitation, rest cures, or custodial care are not covered.
Maternity-related expenses, unless covered under a specific maternity benefit, are excluded.
OPD consultations, routine medical check-ups, and diagnostic tests without hospitalization are not covered unless specified.
Costs incurred for organ donation unless the insured is the recipient are excluded.
Any complications arising from non-disclosure of pre-existing conditions may lead to claim rejection.
Exclusions
Enhanced No Claim Bonus - Increases your sum insured every claim-free year without raising your premium, providing additional financial security for future medical expenses.
OPD & Wellness Cover - Covers outpatient consultations, diagnostics, and pharmacy expenses, ensuring coverage beyond hospitalization needs for better preventive care.
Maternity & Newborn Cover - Provides coverage for maternity expenses, delivery costs, and newborn baby care, including vaccinations and congenital disease treatment.
Personal Accident Cover - Offers financial protection in case of accidental death or permanent total disability, ensuring financial stability for your family.
Global Treatment Cover - Extends your coverage to include treatment for specified critical illnesses abroad, helping you access world-class healthcare facilities.
Second Medical Opinion - Allows you to seek expert medical opinions from leading specialists to ensure the best possible treatment for serious illnesses.
Daily Hospital Cash Benefit - Provides a fixed daily cash allowance during hospitalization to cover non-medical expenses and incidental costs.
AYUSH Treatment Cover - Covers alternative treatments such as Ayurveda, Yoga, Unani, Siddha, and Homeopathy, broadening your healthcare options.
Critical Illness Cover - Provides a lump sum payout upon diagnosis of life-threatening illnesses like cancer, heart attack, or stroke to ease financial burdens.
Room Rent & ICU Upgrade - Allows you to upgrade your hospital room category and ICU benefits beyond the standard policy limits for better comfort and care.
Add-ons
Looking for a Specific Hospital ?
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We help you maximize your coverage over time for stronger protection.
About the Company
Care Health Insurance, previously known as Religare Health Insurance Company Limited, is a trusted health insurance provider offering plans to protect you and your family during medical emergencies. Founded in 2012, it has settled 48 lakh claims and covered over 7 crore lives since inception. Care ensures seamless access to advanced treatments, AYUSH therapies, and more.
Care Health Insurance delivers comprehensive health coverage tailored to diverse needs. Plans like Care Supreme provide high cumulative bonuses, no sub-limits on room or treatment types, and early coverage for conditions such as diabetes with an additional premium. Care Health Insurance prioritizes health and financial security, offering reliable support for every stage of life.
About the Company
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