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Insurance Plans Comparison

Care Supreme Enhance One vs Care Enhance Super Top-up Two

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Care

What Makes It Special:

Care Supreme Enhance 1 is a feature-rich health insurance plan offering comprehensive medical coverage with high sum insured options. It covers hospitalization, daycare procedures, pre- and post-hospitalization, along with wellness benefits and add-ons. Designed for individuals and families, it ensures financial protection and peace of mind against rising healthcare costs.

Best For:

  • Family-friendly coverage with wellness benefits

  • Extra add-ons for enhanced protection

  • Cashless treatment at a wide hospital network

  • Complete hospitalization & daycare coverage

  • High sum insured with affordable premiums

VS
Care

Enhance Super Top-up Two

High-value super top-up health cover with flexible deductibles for major hospitalisation expenses.

What Makes It Special:

Enhance 2 is a high-deductible health insurance option from Care Health Insurance Limited, designed to provide additional cover once eligible medical expenses cross the selected policy deductible. It offers sum insured choices from ₹30 lakh to ₹55 lakh and deductible options of ₹5 lakh, ₹10 lakh, ₹15 lakh and ₹20...

Best For:

  • Individuals looking for high sum insured options of ₹30 lakh to ₹55 lakh.

  • Buyers who can comfortably manage the selected deductible through savings or another insurance policy.

  • Families seeking a higher overall level of hospitalisation cover without buying an equivalent amount of base health insurance.

  • Buyers who understand the plan's waiting periods, room category, co-payment and exclusions before choosing it.

  • People who already have employer-provided or personal health insurance and want additional protection against large hospital bills.

Insurance Plans Comparison

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Quick Decision Guide

Care Supreme Enhance One

  • You want flexible add-ons for enhanced family protection

  • You want wellness benefits and rewards built into your plan

  • You want daycare, pre- and post-hospitalization expenses covered

  • You want cashless hospitalization across a wide network

  • You want high medical coverage at affordable premiums

Care Enhance Super Top-up Two

  • Check the base policy: Confirm that your existing policy or available funds can meet the deductible and that the policies' terms work together for claims.

  • Compare room eligibility: The brochure describes a single private AC room with upgrading to the next level; check the exact room entitlement and any linked deductions in the issued wording.

  • Review waiting periods: Account for the 30-day initial waiting period, 24-month named-ailment waiting period and 36-month pre-existing disease waiting period specified in the supplied Customer Information Sheet.

  • Confirm the exact policy version: Benefits and exclusions can change. Verify the policy wording, Customer Information Sheet, deductible and sum insured combination offered at purchase.

  • Choose the deductible carefully: Ensure that you can fund the selected ₹5 lakh to ₹20 lakh deductible when a claim arises.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme Enhance One
Supreme Enhance One

Health Insurance Plan

Brochure

Policy Wording

VS
Enhance Super Top-up Two
Enhance Super Top-up Two

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Supreme Enhance One

  1. Normal:  No limit on room rent.
  2. ICU: No limit on ICU charges.
VS

Enhance Super Top-up Two

Single private AC room, with upgrading to the next room category permitted .

ICU Charges

Supreme Enhance One

No restriction on ICU room rent

VS

Enhance Super Top-up Two

ICU charges are covered without a separate monetary limit stated in the brochure, subject to the policy's sum insured, deductible and terms.

Advanced Treatments

Supreme Enhance One

  1. Robotic surgery
  2. Stem cell therapy
  3. Deep brain stimulation
  4. Immunotherapy
  5. Monoclonal antibody injections
  6. Oral chemotherapy
  7. Intra-vitreal injections
  8. Balloon Sinuplasty.
VS

Enhance Super Top-up Two

Information Unavailable

Disease-wise sublimits

Supreme Enhance One

No

VS

Enhance Super Top-up Two

No separate disease-wise sub-limit

Co-payment

Supreme Enhance One

No mandatory co-payment for policyholders below 61 years. Policyholders above 61 years have a mandatory 20% co-payment.

VS

Enhance Super Top-up Two

A 20% co-payment applies to each admissible claim for first-time entrants aged 61 years or above and their subsequent renewals, as described in the Customer Information Sheet.

Waiting Period

Supreme Enhance One

.

VS

Enhance Super Top-up Two

Information Unavailable

Restoration Benefit

Supreme Enhance One

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

VS

Enhance Super Top-up Two

No standard restoration benefit.

Cashless Healthcare Providers

Supreme Enhance One

Access to 24,800+ network hospitals for cashless treatment.

VS

Enhance Super Top-up Two

Cashless treatment is available at the insurer's network hospitals, subject to hospital participation and pre-authorisation. Use the current Care Health Insurance hospital locator for the live network count.

Cumulative Bonus

Supreme Enhance One

Your sum insured increases by 10% every year, maximum up to 100%

VS

Enhance Super Top-up Two

No standard cumulative bonus.

Daycare Treatment

Supreme Enhance One

.

VS

Enhance Super Top-up Two

Specified daycare treatments requiring less than 24 hours of hospitalisation are covered, subject to the policy wording.

Consumable Cover

Supreme Enhance One

Yes

VS

Enhance Super Top-up Two

No separate standard consumables benefit.

AYUSH Treatment

Supreme Enhance One

.

VS

Enhance Super Top-up Two

Covered benefit up to the sum insured, subject to applicable policy terms and exclusions.

Initial Waiting Period

Supreme Enhance One

30 days

VS

Enhance Super Top-up Two

30 days for illnesses, except accidents; the waiting period does not apply to continuous renewals as described in the Customer Information Sheet.

Specific Waiting Period

Supreme Enhance One

2 years

VS

Enhance Super Top-up Two

24 months of continuous coverage for listed named ailments and procedures, subject to the policy wording.

PED Waiting Period

Supreme Enhance One

3 years

VS

Enhance Super Top-up Two

36 months for pre-existing diseases.

Modern Treatment

Supreme Enhance One

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

VS

Enhance Super Top-up Two

Covers eligible inpatient and specified daycare treatment under the policy. Advanced technology methods are subject to the treatments expressly covered in the applicable policy wording.

Annual Health Checkup

Supreme Enhance One

Health check-up is available once every policy year, from day 1 of the policy

VS

Enhance Super Top-up Two

Available for covered adult members, irrespective of claim history, subject to policy terms.

Pre-Hospitalisation

Supreme Enhance One

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

VS

Enhance Super Top-up Two

Eligible medical expenses for up to 30 days before hospitalisation.

Post-Hospitalisation

Supreme Enhance One

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

VS

Enhance Super Top-up Two

Eligible medical expenses for up to 60 days after hospital discharge.

Outpatient Department Cover (OPD Expense)

Supreme Enhance One

OPD expense is not included

VS

Enhance Super Top-up Two

Routine outpatient treatment is excluded under the supplied policy wording. Do not list standard OPD treatment as an included benefit.

Deductible Option

Supreme Enhance One

Available

VS

Enhance Super Top-up Two

₹5 lakh, ₹10 lakh, ₹15 lakh or ₹20 lakh per policy year, subject to available combinations. Eligible expenses are payable under the policy only after the applicable deductible is met.

Coverage Options

Supreme Enhance One

Available coverage options: 20L to 1cr

VS

Enhance Super Top-up Two

Sum insured options of ₹30 lakh, ₹35 lakh, ₹40 lakh, ₹45 lakh, ₹50 lakh and ₹55 lakh, subject to available deductible combinations.

Claim Settlement Ratio

Supreme Enhance One

96%

VS

Enhance Super Top-up Two

96.99%

Maternity Cover

Supreme Enhance One

Not available

VS

Enhance Super Top-up Two

Maternity and childbirth-related hospitalisation expenses are excluded under the supplied brochure, except for the stated ectopic-pregnancy exception.

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Talk to experienced advisors at no cost, and make confident decisions

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Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

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

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  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

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  • 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.

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