Insurance Plans Comparison
Care Enhance Super Top-up Two vs Star Assure
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
Assure
Star Health Assure Insurance Policy
What Makes It Special:
Star Health Assure is a flexible, high-limit health insurance plan designed for individuals and families, with coverage options from ₹5 lakh up to ₹2 crore. The plan offers cashless hospitalization across a wide network, daily hospital cash benefits, and no room rent restrictions on standard rooms. It features lifetime renewability,...
Best For:
Health-conscious buyers who can earn up to 20% wellness discount on renewal
People who want room choice without a cap from ₹10 Lakh Sum Insured
Young couples planning a family who want delivery, newborn, assisted reproduction and in-utero surgery cover
Unlimited restoration option plan
Premium floater family health plan
Flexible high-sum insured protection
Flexible options for payment of premium
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
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: Premium varies by zone, and members entering above 65 can get a maximum of ₹50 Lakh cover.
Things to Consider: Maternity is limited to 10% of Sum Insured, has a 24-month wait and requires both spouses to be covered.
Things to Consider: PED waiting period is 36 months, or 30 months only with a 3-year policy.
Things to Consider: Room rent is capped at 1% of Sum Insured per day for ₹5 Lakh and ₹7.5 Lakh covers.
Things to Consider: 10% co-payment applies for anyone who joins at age 61 or older.
Reasons to Consider: Consumables, air ambulance up to 10% of Sum Insured, home care and domiciliary treatment are covered.
Reasons to Consider: Pre- and post-hospitalisation cover of 60 and 180 days.
Reasons to Consider: Cumulative Bonus grows by 25% of Sum Insured for each claim-free year, up to 100%.
You want maternity and newborn coverage included
You want no room rent capping for standard rooms
You value unlimited restoration of sum insured
You want coverage up to ₹2 crore for family
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 |
![]() Assure Health Insurance Plan |
| Room Rent |
|---|
Enhance Super Top-up Two Single private AC room, with upgrading to the next room category permitted . |
VS VS |
Assure Capped at up to 1% of Sum Insured per day for a ₹5 Lakh cover. For ₹10 Lakh to ₹25 Lakh cover: Any room allowed except suites. For ₹50 Lakh to ₹2 Crore cover: Any room category with zero restrictions (Suites included). Proportionate deduction applies if an higher room tier is chosen. |
| 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 |
Assure No restriction on ICU room rent |
| 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 |
Assure 0% for entries up to age 60. A mandatory 10% co-payment applies to each and every claim if the insured person's age at entry is 61 years or older. |
| Disease-wise sublimits |
|---|
Enhance Super Top-up Two No separate disease-wise sub-limit |
VS VS |
Assure No |
| 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 |
Assure 14000+ Healthcare Providers |
| Restoration Benefit |
|---|
Enhance Super Top-up Two No standard restoration benefit. |
VS VS |
Assure Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
| Cumulative Bonus |
|---|
Enhance Super Top-up Two No standard cumulative bonus. |
VS VS |
Assure 25% of the Sum Insured for each claim-free year, up to a maximum of 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 |
Assure Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Consumable Cover |
|---|
Enhance Super Top-up Two No separate standard consumables benefit. |
VS VS |
Assure Yes |
| AYUSH Treatment |
|---|
Enhance Super Top-up Two Covered benefit up to the sum insured, subject to applicable policy terms and exclusions. |
VS VS |
Assure Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| 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 |
Assure 30 days. |
| 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 |
Assure 2 years |
| PED Waiting Period |
|---|
Enhance Super Top-up Two 36 months for pre-existing diseases. |
VS VS |
Assure 36 months (3 years) for 1 and 2-year policy terms; reduced to 30 months if a 3-year policy term is chosen up front. |
| 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 |
Assure 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 Two Available for covered adult members, irrespective of claim history, subject to policy terms. |
VS VS |
Assure Health check-up is available once every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
Enhance Super Top-up Two Eligible medical expenses for up to 30 days before hospitalisation. |
VS VS |
Assure You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Enhance Super Top-up Two Eligible medical expenses for up to 60 days after hospital discharge. |
VS VS |
Assure You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
| 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 |
Assure Not included for general consultations or regular pharmacies. Outpatient benefits are available exclusively for Chronic Severe Refractory Asthma up to specified policy sub-limits. |
| 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 |
Assure Available as an option |
| 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 |
Assure Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr |
| Claim Settlement Ratio |
|---|
Enhance Super Top-up Two 96.99% |
VS VS |
Assure 82.31% |
| 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 |
Assure Covered up to 10% of the Sum Insured after a continuous 24-month waiting period. Requires both spouses to be covered under the same policy. |
Insurance Plans Comparison
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