Insurance Plans Comparison
Care Enhance Super Top-up Two vs Star Comprehensive
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreEnhance 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.
VS
Comprehensive
Family health insurance with maternity, OPD, dental and eye cover, 100% restoration and up to 100% cumulative bonus.
What Makes It Special:
An all-in-one family health plan that combines hospitalisation cover with maternity and new-born cover, OPD consultations, dental and eye care, hospital cash, bariatric surgery and accidental death/disability cover in a single policy.
Best For:
People under 61 who want to avoid co-payment
Buyers looking for a fast-growing bonus (100% after one claim-free year for SI ₹7.5L+)
People who want OPD, dental and eye expenses included
Families wanting individual or floater cover up to ₹1 crore
Young couples planning a family (maternity and new-born cover)
Insurance Plans Comparison
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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
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.
Things to Consider: Premiums vary by city zone.
Things to Consider: Modern treatments and bariatric surgery have sublimits.
Things to Consider: Maternity needs both spouses covered for 24 months, and delivery limits are modest at lower SI.
Things to Consider: 10% co-payment for people who join at age 61 or above.
Things to Consider: 36-month PED waiting period, unless you buy the optional PED buy-back (reduces it to 12 months).
Reasons to Consider: 60 days of pre- and 90 days of post-hospitalisation cover, plus air ambulance and home care.
Reasons to Consider: Cumulative bonus up to 100% of SI, plus 100% restoration once a year (usable for the same illness).
Reasons to Consider: OPD consultations and dental/eye treatment covered outside the Sum Insured.
Reasons to Consider: Delivery (up to 2) and new-born cover after 24 months.
Reasons to Consider: Private single AC room with no fixed room rent cap.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Enhance Super Top-up Two Health Insurance Plan VS VS |
![]() Comprehensive Health Insurance Plan |
| Room Rent |
|---|
Enhance Super Top-up Two Single private AC room, with upgrading to the next room category permitted . |
VS VS |
Comprehensive Information Unavailable |
| ICU Charges |
|---|
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. |
VS VS |
Comprehensive Covered up to Sum Insured; no separate ICU cap. |
| Advanced Treatments |
|---|
Enhance Super Top-up Two Information Unavailable |
VS VS |
Comprehensive Coverage includes robotic surgeries, stem cell therapy, organ transplants, modern cancer treatments, bariatric surgery, and advanced cardiac procedures as per policy terms. |
| Co-payment |
|---|
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. |
VS VS |
Comprehensive This policy is subject to co-payment of 10% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above |
| Disease-wise sublimits |
|---|
Enhance Super Top-up Two No separate disease-wise sub-limit |
VS VS |
Comprehensive Information Unavailable |
| Waiting Period |
|---|
Enhance Super Top-up Two Information Unavailable |
VS VS |
Comprehensive
|
| Cashless Healthcare Providers |
|---|
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. |
VS VS |
Comprehensive Access to over 14,000+ cashless healthcare providers for seamless treatment. |
| Restoration Benefit |
|---|
Enhance Super Top-up Two No standard restoration benefit. |
VS VS |
Comprehensive Information Unavailable |
| Cumulative Bonus |
|---|
Enhance Super Top-up Two No standard cumulative bonus. |
VS VS |
Comprehensive SI ₹5L: 50% of Basic SI per claim-free year, max 100%. SI ₹7.5L and above: 100% of Basic SI after one claim-free year, max 100%. |
| Daycare Treatment |
|---|
Enhance Super Top-up Two Specified daycare treatments requiring less than 24 hours of hospitalisation are covered, subject to the policy wording. |
VS VS |
Comprehensive covered by the policy. |
| Consumable Cover |
|---|
Enhance Super Top-up Two No separate standard consumables benefit. |
VS VS |
Comprehensive Not mentioned (no separate consumables cover in the policy documents). |
| AYUSH Treatment |
|---|
Enhance Super Top-up Two Covered benefit up to the sum insured, subject to applicable policy terms and exclusions. |
VS VS |
Comprehensive AYUSH treatments are covered up to the sum insured. |
| Initial Waiting Period |
|---|
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. |
VS VS |
Comprehensive 30 days (accidents excepted) |
| Specific Waiting Period |
|---|
Enhance Super Top-up Two 24 months of continuous coverage for listed named ailments and procedures, subject to the policy wording. |
VS VS |
Comprehensive 24 months for listed diseases/procedures; 36 months for Bariatric Surgery; 24 months for Delivery and New Born cover |
| PED Waiting Period |
|---|
Enhance Super Top-up Two 36 months for pre-existing diseases. |
VS VS |
Comprehensive Information Unavailable |
| Modern Treatment |
|---|
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. |
VS VS |
Comprehensive
|
| Annual Health Checkup |
|---|
Enhance Super Top-up Two Available for covered adult members, irrespective of claim history, subject to policy terms. |
VS VS |
Comprehensive Information Unavailable |
| Pre-Hospitalisation |
|---|
Enhance Super Top-up Two Eligible medical expenses for up to 30 days before hospitalisation. |
VS VS |
Comprehensive Information Unavailable |
| Post-Hospitalisation |
|---|
Enhance Super Top-up Two Eligible medical expenses for up to 60 days after hospital discharge. |
VS VS |
Comprehensive Information Unavailable |
| Outpatient Department Cover (OPD Expense) |
|---|
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. |
VS VS |
Comprehensive Information Unavailable |
| Deductible Option |
|---|
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. |
VS VS |
Comprehensive Information Unavailable |
| Coverage Options |
|---|
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. |
VS VS |
Comprehensive Information Unavailable |
| Claim Settlement Ratio |
|---|
Enhance Super Top-up Two 96.99% |
VS VS |
Comprehensive Information Unavailable |
| Maternity Cover |
|---|
Enhance Super Top-up Two Maternity and childbirth-related hospitalisation expenses are excluded under the supplied brochure, except for the stated ectopic-pregnancy exception. |
VS VS |
Comprehensive Information Unavailable |
Insurance Plans Comparison
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