Care Joy vs Care Enhance Super Top-up One

Covers a Single Private Room with AC. A higher room category means room, boarding, nursing, OT and doctor/surgeon fees are reduced in proportion to the difference in room rent.

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.

ICU charges (ICU bed, monitoring devices, critical care nursing and intensivist charges) are payable as part of in-patient hospitalisation up to the sum insured. There is no separate ICU sublimit.

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.

20% of each admissible claim applies if the insured's entry age (eldest member for a floater) is 60 years or above. No co-payment applies for entry ages below 60.

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.

No disease-specific caps apply to general hospitalisation, which is payable up to the sum insured. Fixed limits apply to maternity (₹35,000/₹50,000), newborn baby (₹30,000/₹50,000) and ambulance (₹1,000 per claim).

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.

Cashless treatment is available at 11,400+ Care network hospitals across India. Pre-authorisation is required, and the network list can change, so check the hospital list before admission.

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.

Not available. Once the sum insured is used, it is not restored within the same policy year. The optional No Claim Bonanza is a bonus for claim-free years, not a restoration benefit.

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.

Optional "No Claim Bonanza", available for an additional premium. After three consecutive claim-free policy years, the sum insured increases by 100% of the expiring sum insured. The accrued bonus cannot exceed 100% of the sum insured in the renewed policy. If a claim is made, the accrued bonus is not carried to the next renewal, but the base sum insured is never reduced. The bonus is lost if the policy is not renewed within the grace period.

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.

Covers a long list of procedures that need less than 24 hours of hospitalisation (for example cataract, dialysis, chemotherapy and radiotherapy, lithotripsy, tonsillectomy and arthroscopy). Cover is up to the sum insured and subject to waiting periods.

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.

Not covered. Non-medical items (for example gloves, masks, diapers, kits, belts, surcharges and similar items in the policy's non-payable list) are excluded. Some items, such as admission and registration charges, are treated as part of room or procedure charges and are not paid separately.

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.

Not offered as a standard benefit. Treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homoeopathy, and other non-allopathic treatment, is excluded.

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.

30 days

30 days from the policy's commencement for illnesses, subject to the applicable policy terms and the exception for covered accidental injuries.

24 months of continuous coverage for listed conditions and procedures. These include arthritis and spinal disorders, joint replacement, benign ENT disorders, benign prostatic hypertrophy, cataract, piles/fissure/fistula, hernia and hydrocele, hysterectomy for fibroids, kidney or gall bladder stones, and varicose veins. Accident-related claims are exempt. Prior continuous coverage can reduce the waiting period. If a listed condition is also pre-existing, the longer waiting period applies.

24 months of continuous coverage for specified illnesses, surgeries and treatments listed in the applicable policy wording, subject to the stated exceptions.

36 months of continuous coverage from the first policy with Care. Pre-existing conditions must be declared at proposal. If the sum insured is increased, the waiting period applies afresh to the increased amount. Continuous prior coverage with another insurer can reduce the waiting period on porting.

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.

Covers 12 listed advanced treatments within the sum insured: uterine artery embolization and HIFU, balloon sinuplasty, deep brain stimulation, oral chemotherapy, monoclonal antibody immunotherapy (injection), intravitreal injections, robotic surgeries, stereotactic radio surgeries, bronchial thermoplasty, laser prostate vaporisation (green laser or holmium laser), intra-operative neuro monitoring (IONM), and hematopoietic stem cell therapy for bone marrow transplant in blood disorders. Advanced methods outside this list are not covered.

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.

Not available as a benefit. Depending on age and sum insured, Care may ask for pre-policy medical tests at its own cost. If the proposal is declined or the policy is cancelled in the free-look period, the test cost is deducted from the refund.

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.

30 days before admission. Expenses must relate to the same illness or injury and the hospitalisation claim must be admissible.

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.

60 days after discharge. Expenses must relate to the same illness or injury and the main hospitalisation claim must be admissible.

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.

Not covered. Routine consultations, tests and pharmacy bills without hospital admission are not payable. Pre- and post-natal expenses are covered only within the maternity limit and as part of the delivery hospitalisation claim.

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.

No deductible applies. This is a base indemnity plan, not a top-up.

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.

Sum insured of ₹3 lakh or ₹5 lakh, on an Individual or Family Floater basis. Policy term is 3 years. Entry age is 18 to 65 years for adults, 1 day to 24 years for children, and 1 day to 90 days for newborns. Lifelong renewability. Maternity cover is available only for insured women aged 45 or below.

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.

96.74% for FY 2024-25 (insurer-level, based on IRDAI public disclosures). This reflects Care Health Insurance overall, not Care Joy specifically.

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.

Covers delivery hospitalisation (normal and C-section) including pre-natal and post-natal expenses: up to ₹35,000 on a ₹3 lakh sum insured and up to ₹50,000 on a ₹5 lakh sum insured. Waiting period is 9 months of continuous coverage. Newborn baby cover applies if the maternity claim is admissible. Voluntary termination of pregnancy in the first 12 weeks and miscarriage (unless caused by an accident) are not covered. Ectopic pregnancy is covered under regular hospitalisation, not the maternity limit.

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.