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Insurance Plans Comparison

Care Enhance Super Top-up vs Care Plus

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

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Care

Enhance Super Top-up

Additional health insurance protection beyond your deductible for major hospitalisation expenses.

What Makes It Special:

Care Enhance is a super top-up health insurance plan from Care Health Insurance that adds financial protection after eligible medical expenses cross the selected annual deductible. Enhance 1 offers cover up to ₹30 lakh, while Enhance 2 provides specified combinations up to ₹55 lakh. The plan covers eligible inpatient hospitalisation, daycare...

Best For:

  • Customers wanting flexible coverage levels: Applicants comparing the different sum-insured and deductible combinations available under Enhance 1 and Enhance 2.

  • People comfortable with a deductible: Customers who have sufficient base insurance or savings to handle expenses up to the selected threshold.

  • Customers planning for major hospital bills: Individuals concerned about costly inpatient treatment, ICU care and eligible daycare procedures.

  • Families seeking higher overall protection: Households that want to supplement an existing policy with a larger potential pool of hospitalisation cover.

  • People with existing health insurance: Customers who want an additional layer of financial protection once eligible annual medical expenses cross a chosen deductible.

VS
Care

Plus

Comprehensive Health Cover with Unlimited Recharge and Wellness Benefits

What Makes It Special:

Care Plus is a comprehensive health insurance plan from Care Health Insurance that combines hospitalisation cover with unlimited automatic recharge, inflation-linked sum insured increases, and a No Claim Bonus Protect benefit. It also offers annual health check-ups, OPD benefits and optional maternity and newborn cover. The available room category, co-payment...

Best For:

  • Eligible families considering optional maternity and newborn cover.

  • Customers interested in OPD and wellness-related benefits.

  • People seeking additional protection against rising medical costs.

  • Customers who value unlimited automatic recharge for repeated claims.

  • Individuals and families looking for comprehensive hospitalisation cover.

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

  • Compare the actual policy version, not just the headline sum insured. Review hospitalisation benefits, pre- and post-hospitalisation periods, exclusions and any benefits you expect to use before choosing the plan.

  • Check room eligibility and co-payment. Compare the room categories under Enhance 1 and Enhance 2 and assess the financial impact of the 20% co-payment where the entry-age condition applies.

  • Review waiting periods before buying. The initial waiting period, specified-illness waiting period and pre-existing disease waiting period can affect when coverage becomes available.

  • Understand how annual expenses are counted. A super top-up generally considers eligible medical expenses accumulated during the policy year, subject to its deductible provisions. Check how multiple claims and expenses are assessed.

  • Match the deductible to your existing cover. Check whether your base policy's sum insured is sufficient to meet the deductible. If it is lower, you may need to fund the gap yourself.

  • Check optional maternity cover, OPD limits, deductible choices and Smart Select co-payment conditions.

  • Compare the No Claim Bonus Protect and unlimited recharge conditions.

  • Review the 30-day initial, 24-month specific illness and 36-month PED waiting periods.

  • Check room eligibility carefully, particularly for sum insured below ₹5 lakh.

  • Choose a sum insured that reflects your family's potential hospitalisation expenses.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Enhance Super Top-up
Enhance Super Top-up

Health Insurance Plan

VS
Plus
Plus

Health Insurance Plan

Room Rent

Enhance Super Top-up

Single private AC room eligibility, with room-category conditions varying by Enhance option. Check the schedule for the selected option before admission to avoid room-related deductions.

VS

Plus

  1. Normal: eligible to opt for a single A/C room or any low category room.

     

  2. ICU: No limit, the plan will cover the entire costs without restrictions
ICU Charges

Enhance Super Top-up

ICU expenses are covered up to the sum insured, with no separate ICU sub-limit listed on the insurer's product page.

VS

Plus

For sum insured below ₹5 lakh, ICU charges are limited to 2% of the sum insured per day under the referenced brochure. For sum insured of ₹5 lakh or more, ICU charges have no separate monetary limit, subject to policy terms.

Advanced Treatments

Enhance Super Top-up

Information Unavailable

VS

Plus

  1. Provides coverage for advanced treatments like;
  2. Deep brain stimulation
  3. Oral chemotherapy
  4. Uterine artery embolization
  5. HIFU
  6. Robotic surgeries And many more.
Co-payment

Enhance Super Top-up

A 20% co-payment applies if the policy is purchased at age 61 or above. The insured member bears 20% of the admissible claim amount, with the balance payable subject to the policy terms.

VS

Plus

Mandatory copayment limit of 20% for individuals above the age of 61.

Disease-wise sublimits

Enhance Super Top-up

The plan is presented as having no disease-wise sub-limits for covered hospitalisation benefits. Claims remain subject to the deductible, sum insured, exclusions, admissibility rules and other policy conditions.

VS

Plus

Information Unavailable

Cashless Healthcare Providers

Enhance Super Top-up

Cashless treatment is available at the insurer's network hospitals, subject to pre-authorisation and policy terms. The insurer currently advertises a network of over 22,100 cashless healthcare providers; availability can change.

VS

Plus

24800 + network hospitals

Restoration Benefit

Enhance Super Top-up

Unlimited automatic recharge is listed on the insurer's current product page. The sum insured can be recharged by an amount equal to the selected sum insured, multiple times in a policy year, subject to policy conditions.

VS

Plus

Unlimited automatic recharge of the sum insured is a key advertised benefit. The brochure states that it can be used for the same insured person and the same illness. Actual utilisation remains subject to the applicable recharge rules and policy conditions.

Cumulative Bonus

Enhance Super Top-up

The sum insured increases by 50% of the base sum insured for each policy year, up to a maximum increase of 100%. Accrued bonus is not reduced on renewal because of a claim, subject to policy terms.

VS

Plus

The No Claim Bonus Protect benefit increases the sum insured by 50% for each claim-free policy year, up to 200% of the base sum insured. The accrued bonus can reduce after a claim, subject to the policy's claim thresholds and bonus rules.

Daycare Treatment

Enhance Super Top-up

Covers eligible daycare procedures that do not require a 24-hour hospital stay, subject to the policy terms and applicable procedure conditions.

VS

Plus

3 - 7 lacs sum insured for up to 24 hour hospitalization. 

AYUSH Treatment

Enhance Super Top-up

Inpatient AYUSH treatment is covered up to the sum insured when hospitalisation takes place in an AYUSH-certified clinic, subject to policy terms.

VS

Plus

3 - 7 lacs sum insured for any non allopathic treatment covered by AYUSH.

Consumable Cover

Enhance Super Top-up

Routine non-medical consumables are not listed as a separate standard benefit. Check the policy's admissible-expense rules before assuming consumables such as gloves, masks or other non-medical items will be reimbursed.

VS

Plus

Standard hospitalisation coverage should not be interpreted as coverage for every non-medical consumable. Consumables are covered only where included under the applicable policy terms or an eligible add-on.

Initial Waiting Period

Enhance Super Top-up

30 days for illnesses from the policy start date, except injuries, subject to the policy terms.

VS

Plus

30 days for illnesses from policy commencement. This waiting period does not apply to eligible accident-related treatment, subject to the policy terms.

Specific Waiting Period

Enhance Super Top-up

24 months for specified illnesses and procedures, subject to the applicable list and policy conditions.

VS

Plus

24 months for specified illnesses and procedures listed in the policy. The applicable exclusions and conditions continue to apply.

PED Waiting Period

Enhance Super Top-up

36 months of continuous coverage for pre-existing diseases, subject to policy terms and underwriting.

VS

Plus

36 months for pre-existing diseases under the referenced policy version, subject to accurate disclosure, underwriting and applicable policy terms.

Modern Treatment

Enhance Super Top-up

Covers eligible advanced technology treatments, subject to the policy's specified treatment list, medical necessity and applicable terms. Covered expenses are payable up to the sum insured.

VS

Plus

Covers eligible advanced technology treatment methods listed under the policy, subject to medical necessity, admissibility conditions and the applicable sum insured.

Annual Health Checkup

Enhance Super Top-up

Annual health check-ups are available for covered adult members regardless of previous claim history, subject to the policy terms.

VS

Plus

Available once in each policy year for each eligible insured member, subject to the insurer's prescribed arrangements and conditions.

Pre-Hospitalisation

Enhance Super Top-up

Eligible medical expenses incurred up to 60 days before hospitalisation are covered, subject to policy conditions and the relationship of the expenses to the hospitalisation.

VS

Plus

Covers eligible medical expenses for up to 60 days before hospitalisation, subject to the related hospitalisation claim being admissible.

Post-Hospitalisation

Enhance Super Top-up

Eligible medical expenses for up to 180 days after discharge are covered under the insurer's current product listing, subject to policy conditions.

VS

Plus



Outpatient Department Cover (OPD Expense)

Enhance Super Top-up

Routine OPD treatment is not a core hospitalisation benefit. The plan lists unlimited general-physician e-consultations and discounts on selected healthcare services.

VS

Plus

OPD consultation and specified dental and ophthalmic treatment benefits are available within prescribed limits. The referenced brochure lists limits of ₹1,500 for sum insured of ₹5–7 lakh and ₹2,500 for sum insured of ₹10–25 lakh, with a maximum of ₹350 per consultation. Check the applicable variant terms for eligibility.

Deductible Option

Enhance Super Top-up

A deductible applies before the super top-up pays eligible expenses. Options vary by plan variant; the deductible must be considered alongside the base health insurance and the amount the customer can pay personally.

VS

Plus

Deductible options are available as optional choices, including ₹1 lakh, ₹2 lakh, ₹3 lakh and ₹5 lakh under the referenced prospectus. Availability and applicable terms depend on the selected policy option.

Coverage Options

Enhance Super Top-up

Available on an individual and family floater basis. The plan offers Enhance 1 and Enhance 2 options with different sum insured and deductible combinations. The maximum sum insured is ₹55 lakh.

VS

Plus

Deductible options are available as optional choices, including ₹1 lakh, ₹2 lakh, ₹3 lakh and ₹5 lakh under the referenced prospectus. Availability and applicable terms depend on the selected policy option.

Claim Settlement Ratio

Enhance Super Top-up

Care Health Insurance's insurer-level claim settlement ratio should be displayed using the verified financial year and published methodology adopted by OneAssure. It is not a separate benefit or guarantee of an individual claim.

VS

Plus

Care Health Insurance's insurer-level claim settlement ratio is reported as 96.74% for FY 2024–25 in a secondary source referencing IRDAI data. This is an insurer-level metric, not a guarantee of approval for an individual Care Plus claim.

Maternity Cover

Enhance Super Top-up

Maternity expenses, including childbirth-related expenses, are generally excluded. The plan's healthcare-service discount programme may offer discounts on maternity services, but this is not the same as insurance coverage for maternity expenses.

VS

Plus

Deductible options are available as optional choices, including ₹1 lakh, ₹2 lakh, ₹3 lakh and ₹5 lakh under the referenced prospectus. Availability and applicable terms depend on the selected policy option.

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  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

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