Insurance Plans Comparison
Care Enhance Super Top-up vs Magma OneHealth Premium
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreEnhance 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
What Makes It Special:
Health insurance plan with hospitalisation cover, 405 daycare procedures, cumulative bonus, reload of Sum Insured, pre and post-hospitalisation cover, emergency road ambulance and access to 6,100+ cashless network hospitals.
Best For:
Customers who prefer access to a large cashless hospital network
Customers who want cumulative bonus and reload benefits
Customers looking for multiple Sum Insured options
Families looking for individual or family floater coverage
Individuals looking for hospitalisation-focused health insurance
Insurance Plans Comparison
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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.
Magma OneHealth Premium
Buyers should consider the waiting periods, sub-limits, co-payment conditions and exclusions before choosing the plan.
Includes reload of Sum Insured from the first claim, subject to policy terms
Provides cumulative bonus of 10% for every claim-free year, up to 50%
Offers Sum Insured options from ₹2 lakh to ₹10 lakh under the Elite plan
Covers inpatient hospitalisation, daycare, pre and post-hospitalisation expenses
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Enhance Super Top-up Health Insurance Plan VS VS |
OneHealth Premium 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 VS |
OneHealth Premium Up to 1% of Sum Insured or ₹5,000 per Day |
| 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 VS |
OneHealth Premium Up to 2% of Sum Insured or ₹6,000 per Day |
| 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 VS |
OneHealth Premium 10% in Applicable Circumstances |
| 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 VS |
OneHealth Premium Specific Disease-wise Sublimits Apply |
| 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 VS |
OneHealth Premium 6,100+ 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 VS |
OneHealth Premium Reload Available from the First Claim |
| 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 VS |
OneHealth Premium 10% per Claim-Free Year, Up to 50% |
| 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 VS |
OneHealth Premium 405 Daycare Procedures Covered |
| 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 VS |
OneHealth Premium Not Specifically Mentioned in the Brochure |
| 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 VS |
OneHealth Premium Available Through Optional Cover |
| Initial Waiting Period |
|---|
Enhance Super Top-up 30 days for illnesses from the policy start date, except injuries, subject to the policy terms. |
VS VS |
OneHealth Premium 30 Days |
| Specific Waiting Period |
|---|
Enhance Super Top-up 24 months for specified illnesses and procedures, subject to the applicable list and policy conditions. |
VS VS |
OneHealth Premium 2 Years for Specified Procedures |
| PED Waiting Period |
|---|
Enhance Super Top-up 36 months of continuous coverage for pre-existing diseases, subject to policy terms and underwriting. |
VS VS |
OneHealth Premium 3 Years |
| 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 VS |
OneHealth Premium Not Specifically Mentioned in the Brochure |
| 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 VS |
OneHealth Premium Available After 2 Continuous Claim-Free Renewals |
| 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 VS |
OneHealth Premium Covered for Up to 30 Days |
| 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 VS |
OneHealth Premium Covered for Up to 45 Days |
| 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 VS |
OneHealth Premium Not Covered as a Base Benefit |
| 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 VS |
OneHealth Premium Not Specified in the Brochure |
| 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 VS |
OneHealth Premium Sum Insured Options from ₹2 Lakh to ₹10 Lakh |
| 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 VS |
OneHealth Premium Not Specified in the Brochure |
| 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 VS |
OneHealth Premium Not Covered Except Ectopic Pregnancy |
Insurance Plans Comparison
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