Care Health Insurance Heart vs Care Health Insurance Enhance 1

Up to ₹3 L sum insured – 1% of Sum Insured per day

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

Up to ₹3 L sum insured – 2% of Sum Insured per day

No restriction on ICU room rent

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.

Yes

No

In-built co-payment: 20% if entry age ≤ 70 years, 30% if entry age > 70 years.

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

.

21700+ Healthcare Providers

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

Provides 1 restoration of the base cover upon exhaustion, applicable for unrelated illnesses only

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

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

.

Your sum insured increases by 10% each policy year as a No-Claim Bonus, up to 50% of the sum insured. The bonus reduces by 10% for every claim paid

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

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

.

No. However, available as an add-on

Yes

30 days

30 days

2 years

2 years

2 years

3 years

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

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

Health check-up is available from the first policy year

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

You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved

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

You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it

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

OPD expense is not included

OPD expense is not included

Not available

Available

Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L

Available coverage options: 20L to 1cr

87.10%

87.10%

Not available

Not available