Care Health insurance Care Top - Up Health Insurance Plan - Enhance

Care health insurance has designed Enhance - customized deductible health insurance for you and your family. With Enhance, you have that extra safety net of coverage at a significantly lesser premium as compared to any basic insurance plan.
It's a Ideal top-Up Insurance plan if you already have insurance from any company. Higher coverage at lesser premiums.

Care health insurance online - Quotes

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bajaj-allianz health insurance

Key features of Care Top Up insurance

Sum insured is up to 55 lakhs.
Free annual health check-up for insured members.
No 'Claim based' loading ever & Get Lifetime renewability.
'No Co-Payment' Plans available & many more benefits.
Covers more than 540 Day Care treatments
Direct Insurance Claim settlement

Care Health Insurance Review

Description
Sum insured

USD 4lacs/600Lac options available

List
Tenure options

1, 2, 3 years options available

Local_Hospital
Claims incurred ratio *

59.00%

Medication
Claims settlement ratio **

86.63%

Ambulance
List of network hospitals

19,000+ hospitals

Table
Number of Policies issued *

1,178,380

Group
Number of lives covered *

7,342,207

Diversity_3
Maximum family floater coverage

Self, Spouse + dependent (children + parents)

* As per IRDAI report   |   ** As per NL25 data published on the Insurance Company website

Care Top Up health insurance - Enhance highlights

  • Highlights of Care top up medical insurance

    Minimum entry age 1 day
    Maximum age No age bar
    Renewal lifelong renewabilty The policy can be renewed under the then preveling Health Insurance Product or its nearest substitute approved by IRDA.
    Renewal premium Premium payable on renewal and on subsequent continuation of cover arc subject to change with prior approval from IRDA.
    Co-payment (Sum Insured 5 lakhs & above) If you enroll at the age of 61 years or more, you will have to pay 20% of the claim amount under the policy. We pay the rest.
    Waiting period 30 days for any illness except injury
    Waiting period for pre-existing illnesses Four years of continuous coverage
    Change in sum insured You can enhance your sum insured under the policy only upon renewal
    Grace period 30 days from the date of expiry to renew the policy
    Underwriting loadings Based on the assessment of the extra risk on account of medical conditions by the underwriter, the premium shall be loaded accordingly (15%, 30% or 50%)
    Group discount 5 to 20%, depending upon the group size.
    Complete care After 4 years of continuous coverage, you have an option to convert your deductible plan to Comprehensive Health Insurance Plan (without any deductible)
  • Features of Care Top-Up Health Insurance

    • No Sub-Limits !
      As far as we are concerned, it is your money – All our plans come without any cap on vital expenses like doctor/surgeon fees, operation theater & allied charges, to name a few. No room rent limit charges plans start from 5 lakhs.
    • Avail Health Check-ups, every year
      Our wish is your good health. To pre-empt your ever having to visit a hospital, you can avail our comprehensive health check-ups for yourself and adult members of your family covered by the policy, every year. Even if you make a claim with us! Just call our call center anytime, to schedule your appointment. Its simple.
    • Hospitalization & Day Care Treatment
      If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours, we pay from room charges to operation theatre charges and more. We also pay for your medical expenses if you undergo even a day care treatment at a hospital that requires hospitalization for less than 24 hours - we cover a comprehensive range of 170 day care treatments, the highest in industry. You will also get cashless treatment at our over 3500+ network hospitals and reimbursement in any other hospital of your choice.
    • Pre & Post hospitalization
      We cover the medical expenses incurred by you even 30 days before your hospitalization. There may also be follow-up visits to your medical practitioner, medication that is required etc. We cover the related medical expenses incurred by you after your hospitalization also, for a period of 60 days.
    • Avail Treatment anywhere in the World
      Our care knows no boundaries; literally. So, while we ensure you have access to the best healthcare services, we leave it to your discretion whether you would wish to avail certain specialized treatments in India or abroad and reimbursed as per policy. Available for sum insured of 50 and 60 lakhs plans.
    • 'No Co-Payment' Plans
      Co-payment means the insured would have to pay a part of the claim amount. Generally, companies ask for 20%. But ALL of our plans are 'No Co-payment' plans for entire life, if the person to be insured is less than 61, at the time of 1st buy of the policy. If the person is more than 61 yrs at the time of 1st buy of policy, they can choose 3 or 4 lakhs to have 'No Co-Payment' Option plan.
    • No 'Claim-based' loading & Get Lifetime Renewability
      We want you there for you, for your entire life. That's why none of our plans have any 'Claim-based loading' of premiums at the time of renewals. The Policy can also be renewed lifelong under the prevailing Health Insurance Product or its nearest substitute approved by IRDA.
    • Review your decision
      After purchasing your policy, if you find it unsuitable, you can cancel the same with us. Our policy comes with a free look period of 15 days.
    • Other great benefits you also get are-
      There's still lot more we have for you! All our policies are eligible for claiming deduction for Tax Benefit under section 80D, Floater Cover, Ambulance expenses covered, Organ donor medical expenses covered, Domiciliary hospitalization covered, Increase your Policy’s Sum Insured even later, 7.5% Discount on 2 year policy terms, online instant health insurance buy and more.
  • Benefits of Care Enhance insurance

    Plan Options
    Features/plan (Sum Insured) Enhance 1 Enhance 2
    Sum Insured Rs.1 lakh to Rs.25 lakhs (As multiple of 1,2,3,4 or 5 time of deductible)
    Rs.6 lakhs to Rs.30 lakhs (As multiple of 1,2 or 3 time of deductible)
    Rs.30 lakhs, Rs.35 lakhs, Rs.40 lakhs, Rs.45 lakhs, Rs.50 lakhs, and Rs.55 lakhs
    Deductible(or existing Policy Sum Insured)
    Sum InsuredDeductible
    Rs.1 lakh to Rs.25 lakhsRs.1 lakh, 2 lakhs, 3 lakhs, 4 lakhs or 5 lakhs
    Rs.6 lakhs to Rs.30 lakhs6 lakhs, 7 lakhs, 8 lakhs, 9 lakhs or 10lakhs
    Sum InsuredDeductible
    Rs.45 and Rs.55 lakhsRs.5 lakhs
    Rs.40 and Rs.50 lakhsRs.10 lakhs
    Rs.35 and Rs.45 lakhsRs.15 lakhs
    Rs.30 and Rs.40 lakhsRs.20 lakhs
    In patient Care Up to Sum Insured Up to Sum Insured
    Pre Hospitalization Up to 30 Days Up to 30 Days
    Post Hospitalization Up to 60 Days Up to 60 Days
    Day Care Treatment Yes Yes
    Room Rent Category Single Private Room with A.C Single Private Room with A.C., upgradable to next level
    ICU charges, Doctor's fee etc. No Limit No Limit
    Health check-up Yes Yes
    Organ Donor Cover Yes Yes
    Expert Option Yes Yes
    Enhance Anywhere No Yes
  • Exclusions of Care top up mediclaim insurance

    1. Any pre-existing ailment/injury that was diagnosed /acquired within 48 months prior to issuance of the first policy.
    2. Any diseases contracted during first 30 days of the policy start date except those arising out of accidents.
    3. Non-allopathic treatment.
    4. Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide).
    5. Expences arising out of or attributable to alcohol or drug use/misuse/abuse.
    6. Cost of spectacles/contact lenses, dental treatment.
    7. Medical expenses incurred for treatment of AIDS.
    8. Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences.
    9. Congenital disease.
    10. Tests and treatment relating to infertility and in vitro fertilisation

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