Insurance Plans Comparison
Care Enhance Super Top-up One vs Care Heart
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreEnhance Super Top-up One
Extra hospitalisation cover with flexible deductibles to help manage major medical expenses.
What Makes It Special:
Enhance 1 is Care Health Insurance's super top-up health insurance product. The Enhance 1 variant offers a sum insured of ₹1 lakh to ₹30 lakh, with deductible options beginning at ₹50,000. It covers eligible inpatient hospitalisation, specified daycare procedures, organ donor expenses, pre- and post-hospitalisation expenses, annual health check-ups and eligible...
Best For:
Customers seeking flexible cover levels: People who want to choose among the available ₹1 lakh–₹30 lakh sum-insured options and permitted deductible combinations.
People who can manage a deductible: Customers with sufficient base insurance or savings to handle eligible expenses up to the chosen threshold.
Families planning for expensive treatment: Households looking for an additional layer of financial protection, subject to the selected deductible and family floater terms.
Individuals seeking higher hospitalisation cover: Customers who want to supplement their base policy with additional protection for major hospital bills.
Customers with existing health insurance: People who want additional protection against eligible medical expenses that exceed their current coverage.
VS
Heart
Specialised Cardiac Health Insurance with 2-Year Cardiac PED Waiting Period
What Makes It Special:
Care Heart Health Insurance is a specialized policy designed for people with existing heart conditions or cardiac risks. It provides comprehensive coverage for hospitalization, surgeries, and treatments related to heart ailments, including pre and post-hospitalization expenses. The plan also covers annual health check-ups, ambulance charges, and optional add-ons for enhanced...
Best For:
Focused Protection for Cardiac Patients
Covers Pre and Post Hospitalization
Annual Health Check-Up Included
Lifelong Policy Renewability Option
Insurance Plans Comparison
Get Personalized Advice
Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
Quick Decision Guide
Assess the benefits you actually need. Review daycare coverage, pre- and post-hospitalisation expenses, organ donor cover, exclusions and the absence of an established standard restoration benefit.
Check room eligibility and co-payment. Ensure that a single private room meets your needs and account for the 20% co-payment if the entry-age condition applies.
Review waiting periods. Understand the initial waiting period, the waiting period for specified illnesses and the applicable pre-existing disease waiting period.
Understand how multiple claims are assessed. Check how eligible expenses from separate hospitalisations are accumulated and applied against the deductible during the policy year.
Compare the deductible with your base policy. Check whether your existing health insurance can meet the deductible and whether you can afford any shortfall yourself.
You have a past history of heart disease
You need coverage for cardiac-related hospitalization expenses
You want insurance despite pre-existing heart conditions
You seek affordable premiums for heart-focused care
You prefer lifelong renewability with cardiac protection
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Enhance Super Top-up One Health Insurance Plan VS VS |
Heart Health Insurance Plan |
| Room Rent |
|---|
Enhance Super Top-up One The documented Enhance 1 offering provides eligibility for a single private room. It does not include the next-category room upgrade advertised for Enhance 2. Choosing a room outside the permitted category may affect claim payment under the applicable policy terms. |
VS VS |
Heart Up to ₹3 L sum insured – 1% of Sum Insured per day Above ₹3 L sum insured – Single Private Room |
| ICU Charges |
|---|
Enhance Super Top-up One ICU expenses are covered up to the applicable sum insured, without a separate monetary sublimit under the documented Enhance 1 offering. The deductible and other policy conditions still apply. |
VS VS |
Heart Up to ₹3 L sum insured – 2% of Sum Insured per day Above ₹3 L sum insured – No Limit |
| Co-payment |
|---|
Enhance Super Top-up One A 20% co-payment applies where the applicable entry-age condition is met: age 61 or older at entry for an individual policy, or the eldest insured member's age at entry for a family floater. The insured must bear the applicable share of admissible expenses. |
VS VS |
Heart In-built co-payment: 20% if entry age ≤ 70 years, 30% if entry age > 70 years. |
| Disease-wise sublimits |
|---|
Enhance Super Top-up One The documented schedule provides no separate monetary sublimit for ICU charges and doctors' fees. This does not establish the absence of every disease-specific or treatment-specific restriction; other policy limits and exclusions continue to apply. |
VS VS |
Heart Yes |
| Cashless Healthcare Providers |
|---|
Enhance Super Top-up One Care's official website reports more than 22,100 cashless healthcare providers as of December 2025. Network participation can change, and cashless treatment is subject to hospital participation, pre-authorisation and policy conditions. |
VS VS |
Heart 21700+ Healthcare Providers |
| Restoration Benefit |
|---|
Enhance Super Top-up One An automatic restoration benefit is not established as a standard benefit in the documented Enhance 1 schedule. Do not assume that the sum insured replenishes automatically after a claim. |
VS VS |
Heart Provides 1 restoration of the base cover upon exhaustion, applicable for unrelated illnesses only |
| Cumulative Bonus |
|---|
Enhance Super Top-up One A cumulative bonus is not included as a standard benefit in the documented Enhance 1 benefit schedule. Do not attribute a bonus advertised for another Care product to this variant. |
VS VS |
Heart Your sum insured increases by 10% each policy year as a No-Claim Bonus, up to 50% of the sum insured. The bonus reduces by 10% for every claim paid |
| Daycare Treatment |
|---|
Enhance Super Top-up One The documented prospectus covers 170 specified daycare surgeries or procedures that require less than 24 hours of hospitalisation. Coverage is subject to the applicable list and policy terms. |
VS VS |
Heart Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Consumable Cover |
|---|
Enhance Super Top-up One Separate cover for consumables and non-medical hospital items is not established as a standard benefit. Such expenses should not be assumed payable unless they qualify under the applicable policy terms or an expressly selected benefit. |
VS VS |
Heart No. However available as an add-on. |
| AYUSH Treatment |
|---|
Enhance Super Top-up One Eligible inpatient Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homoeopathy treatment is covered up to the applicable sum insured, subject to policy conditions and eligible treatment requirements. |
VS VS |
Heart Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Enhance Super Top-up One 30 days from the policy's commencement for illnesses, subject to the applicable policy terms and the exception for covered accidental injuries. |
VS VS |
Heart 30 days |
| Specific Waiting Period |
|---|
Enhance Super Top-up One 24 months of continuous coverage for specified illnesses, surgeries and treatments listed in the applicable policy wording, subject to the stated exceptions. |
VS VS |
Heart 2 years |
| PED Waiting Period |
|---|
Enhance Super Top-up One The current Care Enhance product information specifies 36 months of continuous coverage for pre-existing diseases. The exact period applicable to an issued policy depends on its governing wording and endorsements. |
VS VS |
Heart 2 years |
| Modern Treatment |
|---|
Enhance Super Top-up One Eligible inpatient and daycare treatment expenses are covered under the applicable policy definitions. Do not assume separate enhanced coverage for every advanced medical technology; admissibility depends on the policy's covered-treatment provisions and exclusions. |
VS VS |
Heart Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Enhance Super Top-up One An annual health check-up is available for each covered adult member, irrespective of claim history, subject to the insurer's service and eligibility conditions. |
VS VS |
Heart Health check-up is available from the first policy year |
| Pre-Hospitalisation |
|---|
Enhance Super Top-up One Eligible medical expenses incurred up to 30 days before hospitalisation are covered, subject to their connection with the hospitalisation and the policy's claim conditions. |
VS VS |
Heart You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Enhance Super Top-up One Eligible post-hospitalisation medical expenses are covered for up to 60 days after discharge under the documented Enhance 1 offering, subject to the policy's claim conditions. |
VS VS |
Heart You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it. |
| Outpatient Department Cover (OPD Expense) |
|---|
Enhance Super Top-up One Routine outpatient consultations, pharmacy purchases and diagnostic expenses are not established as a standard OPD reimbursement benefit. Certain healthcare services or discounts may be available separately, subject to their applicable terms. |
VS VS |
Heart OPD expense is not included |
| Deductible Option |
|---|
Enhance Super Top-up One Enhance 1 offers a deductible of ₹50,000 and higher options from ₹1 lakh to ₹10 lakh in the available increments and combinations. The insurer's liability begins only after eligible expenses meet the applicable deductible, as calculated under the policy. |
VS VS |
Heart Not available |
| Coverage Options |
|---|
Enhance Super Top-up One Sum insured ranges from ₹1 lakh to ₹30 lakh in ₹1 lakh multiples. Individual and family floater arrangements are available, subject to the insurer's eligibility rules and permitted deductible/sum-insured combinations. |
VS VS |
Heart Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L |
| Claim Settlement Ratio |
|---|
Enhance Super Top-up One This is an insurer-level measure, not an Enhance 1-specific guarantee. Use Care Health Insurance's verified ratio for a stated financial year and clearly identified methodology; it should not be interpreted as a promise that an individual claim will be approved. |
VS VS |
Heart 96% |
| Maternity Cover |
|---|
Enhance Super Top-up One Maternity and routine delivery expenses are not established as a standard covered benefit under Enhance 1. Service discounts, if available, should not be treated as reimbursement for maternity hospitalisation. |
VS VS |
Heart Not available |
Insurance Plans Comparison
Still Confused? Get Expert Advice
Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
Why Choose Our Expert Consultation?
What Our Experts Help You With
Personalised Recommendations
Every suggestion is backed by expert analysis of your life stage, goals, and budget
Expert-Led Policy Review
We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later
Smart, Tech-Enabled Experience
From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free
Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
Family Health Plan
One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs
Maternity Health Plan
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
Insurance Plans Comparison
Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Enhance Super Top-up One vs Optima Secure
Enhance Super Top-up One vs Super Mediclaim
Enhance Super Top-up One vs Health Recharge
Enhance Super Top-up One vs Cancer Cover Activ Cancer Secure Plan
Enhance Super Top-up One vs Optima Secure Plus
Enhance Super Top-up One vs Women Care
Enhance Super Top-up One vs Aspire Diamond+
Enhance Super Top-up One vs Activate Booster Plan A
Enhance Super Top-up One vs Active Care Premier
Enhance Super Top-up One vs ProHealth Accumulate
Enhance Super Top-up One vs Health Super Saver Standard
Enhance Super Top-up One vs Supreme Shine
Enhance Super Top-up One vs Optima Secure Global Plus
Enhance Super Top-up One vs Health Cardiac Care Silver & Gold Plan
Enhance Super Top-up One vs myHealth Suraksha Gold
Enhance Super Top-up One vs LifeTime Health Global
Enhance Super Top-up One vs Active Fit Plus
Enhance Super Top-up One vs OneHealth Premium
Enhance Super Top-up One vs Activ Health Platinum Essential
Enhance Super Top-up One vs Medicare Plus
Enhance Super Top-up One vs Medicare Senior
Enhance Super Top-up One vs Enhance Super Top-up Two
Enhance Super Top-up One vs Medicare Protect
Enhance Super Top-up One vs Activ One SAVR
Enhance Super Top-up One vs Active Assure Diamond
Enhance Super Top-up One vs Activ One VIP
Enhance Super Top-up One vs Health Pulse Classic
Enhance Super Top-up One vs Advantage
Enhance Super Top-up One vs Special Care Gold
Enhance Super Top-up One vs Activ One Max
Enhance Super Top-up One vs Classic
Enhance Super Top-up One vs Activ One Vytl
Enhance Super Top-up One vs Supreme
Enhance Super Top-up One vs Freedom
Enhance Super Top-up One vs Sarvah Pratham
Enhance Super Top-up One vs Joy Today
Enhance Super Top-up One vs Medi Classic
Enhance Super Top-up One vs Activate Booster Plan B
Enhance Super Top-up One vs Aspire Gold+
Enhance Super Top-up One vs Aspire Platinum+
Enhance Super Top-up One vs Plus Complete
Enhance Super Top-up One vs Reassure 2.0 Platinum+
Enhance Super Top-up One vs Elder Care
Enhance Super Top-up One vs Reassure 3.0 Elite
Enhance Super Top-up One vs EquiCover
Enhance Super Top-up One vs Young Star Gold
Enhance Super Top-up One vs Joy Tomorrow
Enhance Super Top-up One vs Activ One VIP+
Enhance Super Top-up One vs Reassure 3.0 Select
Enhance Super Top-up One vs Red Carpet Senior Citizens
Enhance Super Top-up One vs Medicare Premier
Enhance Super Top-up One vs Family Health Optima
Enhance Super Top-up One vs Health Companion Variant 2022
Enhance Super Top-up One vs Health Companion Variant 3
Enhance Super Top-up One vs Plus Youth
Enhance Super Top-up One vs Assure
Enhance Super Top-up One vs Health Premia Gold
Enhance Super Top-up One vs Health Premia Platinum
Enhance Super Top-up One vs Cancer Care Platinum
Enhance Super Top-up One vs Optima Lite
Enhance Super Top-up One vs ProHealth Prime Protect
Enhance Super Top-up One vs Comprehensive
Enhance Super Top-up One vs HeartBeat Enhanced
Enhance Super Top-up One vs Reassure
Enhance Super Top-up One vs Supreme Senior Premium
Enhance Super Top-up One vs Health Recharge Super Top Up Plan
Enhance Super Top-up One vs Reassure 3.0
Enhance Super Top-up One vs myHealth Suraksha Platinum
Enhance Super Top-up One vs Supreme Value for Money
Enhance Super Top-up One vs Supreme Senior Super
Enhance Super Top-up One vs Supreme Enhance
Enhance Super Top-up One vs Reassure 2.0 Gold
Enhance Super Top-up One vs Medicare
Enhance Super Top-up One vs Ultimate (Direct)
Enhance Super Top-up One vs Young Star
Enhance Super Top-up One vs Sarvah Param
Enhance Super Top-up One vs Optima Insurance
Enhance Super Top-up One vs Smart Super Health Assure
Enhance Super Top-up One vs Reassure 3.0 Black
Enhance Super Top-up One vs Health Guard Platinum
Enhance Super Top-up One vs Health Guard Gold
Enhance Super Top-up One vs Elevate (Direct)
Enhance Super Top-up One vs Extra Care Plus Super Top-up
Enhance Super Top-up One vs Health Care Supreme Smart
Enhance Super Top-up One vs Smart Health Pro
Enhance Super Top-up One vs Medi Classic Gold
Enhance Super Top-up One vs Optima Super Secure
Enhance Super Top-up One vs Special Care
Enhance Super Top-up One vs Medicare LITE
Enhance Super Top-up One vs Health Shield 360
Enhance Super Top-up One vs SecureHealth
Enhance Super Top-up One vs Supreme (Direct)
Enhance Super Top-up One vs Plus
Enhance Super Top-up One vs Mediclaim Insurance Policy
Enhance Super Top-up One vs Medicare Select
Enhance Super Top-up One vs Health Gain
Enhance Super Top-up One vs myHealth Koti Suraksha
Enhance Super Top-up One vs Senior
Enhance Super Top-up One vs myHealth Suraksha Silver
Enhance Super Top-up One vs Cardiac Care Platinum
Enhance Super Top-up One vs Royal Sundaram Lifeline Elite
Enhance Super Top-up One vs Super Surplus Gold
Enhance Super Top-up One vs Supreme Enhance One
Enhance Super Top-up One vs Supreme Enhance Two
Enhance Super Top-up One vs HeartBeat Platinum
Enhance Super Top-up One vs HeartBeat Gold
Enhance Super Top-up One vs Health SuperCharge
Enhance Super Top-up One vs Aspire Titanium+
Enhance Super Top-up One vs iHealth Plus
Enhance Super Top-up One vs ProHealth Prime Advantage
Enhance Super Top-up One vs Active Fit Preferred
Enhance Super Top-up One vs Reassure 3.0 Classic
Enhance Super Top-up One vs Senior Health Advantage
Enhance Super Top-up One vs Health Wallet
Enhance Super Top-up One vs Elevate
Enhance Super Top-up One vs Heart
Enhance Super Top-up One vs LifeTime Health
Enhance Super Top-up One vs Reassure 2.0 Titanium+
Enhance Super Top-up One vs ProHealth Prime Active
Enhance Super Top-up One vs ProHealth Prime Senior Elite
Enhance Super Top-up One vs Advanced Top Up
Enhance Super Top-up One vs Multiplier Health
Enhance Super Top-up One vs Diabetes Safe Plan A
Enhance Super Top-up One vs Reassure 2.0 Bronze+
Enhance Super Top-up One vs Enhance Super Top-up
Enhance Super Top-up One vs Young Star Silver
Enhance Super Top-up One vs Star Women Care Policy
Enhance Super Top-up One vs Joy
Enhance Super Top-up One vs Supreme Senior Health AdvantEdge
Enhance Super Top-up One vs Family Plus
Enhance Super Top-up One vs Criti Shield Plus
Enhance Super Top-up One vs Health Care Supreme Ultimo
Enhance Super Top-up One vs Health Shield 360 Retail
Enhance Super Top-up One vs Super Star
Enhance Super Top-up One vs Supreme Super Saver
Enhance Super Top-up One vs Senior First Platinum
Enhance Super Top-up One vs Optima Secure Global
Enhance Super Top-up One vs NextGen
Enhance Super Top-up One vs Health Insurance Platinum
Enhance Super Top-up One vs Energy Silver With Copay
Heart vs Optima Secure
Heart vs Super Mediclaim
Heart vs Health Recharge
Heart vs Cancer Cover Activ Cancer Secure Plan
Heart vs Optima Secure Plus
Heart vs Women Care
Heart vs Aspire Diamond+
Heart vs Activate Booster Plan A
Heart vs Active Care Premier
Heart vs ProHealth Accumulate
Heart vs Health Super Saver Standard
Heart vs Supreme Shine
Heart vs Optima Secure Global Plus
Heart vs Health Cardiac Care Silver & Gold Plan
Heart vs myHealth Suraksha Gold
Heart vs LifeTime Health Global
Heart vs Active Fit Plus
Heart vs OneHealth Premium
Heart vs Activ Health Platinum Essential
Heart vs Medicare Plus
Heart vs Medicare Senior
Heart vs Enhance Super Top-up Two
Heart vs Medicare Protect
Heart vs Activ One SAVR
Heart vs Active Assure Diamond
Heart vs Activ One VIP
Heart vs Health Pulse Classic
Heart vs Advantage
Heart vs Special Care Gold
Heart vs Activ One Max
Heart vs Classic
Heart vs Activ One Vytl
Heart vs Supreme
Heart vs Freedom
Heart vs Sarvah Pratham
Heart vs Joy Today
Heart vs Medi Classic
Heart vs Activate Booster Plan B
Heart vs Aspire Gold+
Heart vs Aspire Platinum+
Heart vs Plus Complete
Heart vs Reassure 2.0 Platinum+
Heart vs Elder Care
Heart vs Reassure 3.0 Elite
Heart vs EquiCover
Heart vs Young Star Gold
Heart vs Enhance Super Top-up One
Heart vs Joy Tomorrow
Heart vs Activ One VIP+
Heart vs Reassure 3.0 Select
Heart vs Red Carpet Senior Citizens
Heart vs Medicare Premier
Heart vs Family Health Optima
Heart vs Health Companion Variant 2022
Heart vs Health Companion Variant 3
Heart vs Plus Youth
Heart vs Assure
Heart vs Health Premia Gold
Heart vs Health Premia Platinum
Heart vs Cancer Care Platinum
Heart vs Optima Lite
Heart vs ProHealth Prime Protect
Heart vs Comprehensive
Heart vs HeartBeat Enhanced
Heart vs Reassure
Heart vs Supreme Senior Premium
Heart vs Health Recharge Super Top Up Plan
Heart vs Reassure 3.0
Heart vs myHealth Suraksha Platinum
Heart vs Supreme Value for Money
Heart vs Supreme Senior Super
Heart vs Supreme Enhance
Heart vs Reassure 2.0 Gold
Heart vs Medicare
Heart vs Ultimate (Direct)
Heart vs Young Star
Heart vs Sarvah Param
Heart vs Optima Insurance
Heart vs Smart Super Health Assure
Heart vs Reassure 3.0 Black
Heart vs Health Guard Platinum
Heart vs Health Guard Gold
Heart vs Elevate (Direct)
Heart vs Extra Care Plus Super Top-up
Heart vs Health Care Supreme Smart
Heart vs Smart Health Pro
Heart vs Medi Classic Gold
Heart vs Optima Super Secure
Heart vs Special Care
Heart vs Medicare LITE
Heart vs Health Shield 360
Heart vs SecureHealth
Heart vs Supreme (Direct)
Heart vs Plus
Heart vs Mediclaim Insurance Policy
Heart vs Medicare Select
Heart vs Health Gain
Heart vs myHealth Koti Suraksha
Heart vs Senior
Heart vs myHealth Suraksha Silver
Heart vs Cardiac Care Platinum
Heart vs Royal Sundaram Lifeline Elite
Heart vs Super Surplus Gold
Heart vs Supreme Enhance One
Heart vs Supreme Enhance Two
Heart vs HeartBeat Platinum
Heart vs HeartBeat Gold
Heart vs Health SuperCharge
Heart vs Aspire Titanium+
Heart vs iHealth Plus
Heart vs ProHealth Prime Advantage
Heart vs Active Fit Preferred
Heart vs Reassure 3.0 Classic
Heart vs Senior Health Advantage
Heart vs Health Wallet
Heart vs Elevate
Heart vs LifeTime Health
Heart vs Reassure 2.0 Titanium+
Heart vs ProHealth Prime Active
Heart vs ProHealth Prime Senior Elite
Heart vs Advanced Top Up
Heart vs Multiplier Health
Heart vs Diabetes Safe Plan A
Heart vs Reassure 2.0 Bronze+
Heart vs Enhance Super Top-up
Heart vs Young Star Silver
Heart vs Star Women Care Policy
Heart vs Joy
Heart vs Supreme Senior Health AdvantEdge
Heart vs Family Plus
Heart vs Criti Shield Plus
Heart vs Health Care Supreme Ultimo
Heart vs Health Shield 360 Retail
Heart vs Super Star
Heart vs Supreme Super Saver
Heart vs Senior First Platinum
Heart vs Optima Secure Global
Heart vs NextGen
Heart vs Health Insurance Platinum
Heart vs Energy Silver With Copay
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.






.png)

