Insurance Plans Comparison
TATA AIG Medicare Senior vs Care Enhance Super Top-up Two
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMedicare Senior
Medicare Senior
What Makes It Special:
Comprehensive health insurance coverage with hospitalization, day care, pre and post-hospitalization, AYUSH, restoration and additional health benefits.
Best For:
Customers looking for additional protection through benefits such as global cover, consumables and second medical opinion
Individuals seeking additional benefits such as restoration, Cumulative Bonus and preventive health check-ups
Customers looking for AYUSH treatment and domiciliary hospitalization coverage
Individuals seeking inpatient and Day Care Treatment coverage
Senior citizens looking for comprehensive health insurance coverage
VS
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
Consider Before Buying: Choosing a room category higher than the eligible category mentioned in the policy schedule results in the policyholder bearing 10% of the admissible claim amount.
Consider Before Buying: A 36-month waiting period applies to pre-existing diseases and a 24-month waiting period applies to specified diseases and procedures, subject to the policy terms.
Reasons to Consider: A 50% Cumulative Bonus is added after every claim-free policy year, up to a maximum of 100% of the Sum Insured.
Reasons to Consider: The policy provides automatic restoration of the Basic Sum Insured once during the policy period, subject to applicable conditions.
Reasons to Consider: The policy covers inpatient treatment, Day Care Treatment, pre and post-hospitalization expenses, AYUSH treatment and domiciliary hospitalization.
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
![]() Medicare Senior Health Insurance Plan VS VS |
Enhance Super Top-up Two Health Insurance Plan |
| Room Rent |
|---|
Medicare Senior Covered according to the room category specified in the Policy Schedule. |
VS VS |
Enhance Super Top-up Two Single private AC room, with upgrading to the next room category permitted . |
| ICU Charges |
|---|
Medicare Senior Covered as part of eligible inpatient hospitalisation expenses, subject to the Sum Insured and policy terms. |
VS 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. |
| Co-payment |
|---|
Medicare Senior 10% of the admissible claim amount applies when the insured chooses a room category higher than the eligible room category. |
VS 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. |
| Disease-wise sublimits |
|---|
Medicare Senior Applicable limits may apply to specific benefits and treatments as specified in the policy. |
VS VS |
Enhance Super Top-up Two No separate disease-wise sub-limit |
| Cashless Healthcare Providers |
|---|
Medicare Senior Cashless treatment available at network providers, subject to pre-authorisation and applicable policy conditions. |
VS 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. |
| Restoration Benefit |
|---|
Medicare Senior Basic Sum Insured is automatically restored once during the policy period after exhaustion of the Sum Insured and accrued Cumulative Bonus, subject to applicable conditions. |
VS VS |
Enhance Super Top-up Two No standard restoration benefit. |
| Cumulative Bonus |
|---|
Medicare Senior 50% of Sum Insured for every claim-free year, up to a maximum of 100% of Sum Insured. |
VS VS |
Enhance Super Top-up Two No standard cumulative bonus. |
| Daycare Treatment |
|---|
Medicare Senior Listed Day Care Procedures are covered as specified under the policy. |
VS 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 |
|---|
Medicare Senior Covered for specified consumables as per the policy terms. |
VS VS |
Enhance Super Top-up Two No separate standard consumables benefit. |
| AYUSH Treatment |
|---|
Medicare Senior Covered for eligible inpatient treatment in an AYUSH Hospital. |
VS VS |
Enhance Super Top-up Two Covered benefit up to the sum insured, subject to applicable policy terms and exclusions. |
| Initial Waiting Period |
|---|
Medicare Senior 30 days, except for claims arising from accidents |
VS 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 |
|---|
Medicare Senior 24 months for specified diseases and procedures, subject to applicable policy terms. |
VS 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 |
|---|
Medicare Senior 36 months of continuous coverage. |
VS VS |
Enhance Super Top-up Two 36 months for pre-existing diseases. |
| Modern Treatment |
|---|
Medicare Senior Covered as per applicable policy terms and conditions. |
VS 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 |
|---|
Medicare Senior Available once after every two continuous claim-free policy years, subject to the applicable limit and policy conditions. |
VS VS |
Enhance Super Top-up Two Available for covered adult members, irrespective of claim history, subject to policy terms. |
| Pre-Hospitalisation |
|---|
Medicare Senior Covered for up to 60 days before hospitalisation. |
VS VS |
Enhance Super Top-up Two Eligible medical expenses for up to 30 days before hospitalisation. |
| Post-Hospitalisation |
|---|
Medicare Senior Covered for up to 90 days after discharge. |
VS VS |
Enhance Super Top-up Two Eligible medical expenses for up to 60 days after hospital discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Medicare Senior Not covered as a general base OPD benefit. |
VS 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 |
|---|
Medicare Senior Not specified as a standard deductible option. |
VS 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 |
|---|
Medicare Senior Individual and Family Floater options, subject to the Sum Insured options available under the policy. |
VS 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 |
|---|
Medicare Senior Not specified in the supplied policy document. |
VS VS |
Enhance Super Top-up Two 96.99% |
| Maternity Cover |
|---|
Medicare Senior Not covered under the base policy. |
VS 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. |
Insurance Plans Comparison
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