How does the waiting period affect my coverage?

The Care Enhance 1 policy has a 30-day waiting period for illnesses, 24 months for specific ailments, and 36 months for pre-existing conditions.

What happens if I don’t use my health insurance benefits for the entire year?

While many policies offer benefits like a no-claim bonus for claim-free years, the Care Enhance 1 policy does not specify such benefits.

Will my health insurance cover treatment abroad?

Coverage for overseas treatment varies by policy. Some plans provide global coverage, while others limit treatment to specific regions or exclude international care. Always review your policy details for clarification.

Does the Care Enhance Super Top Up Health Plan cover outpatient expenses?

No, the plan does not cover outpatient consultations or treatments.

What exclusions apply to the Care Enhance Super Top Up Health Plan?

The plan excludes treatments related to pre-existing diseases, maternity, and infertility for the first 48 months of continuous coverage.

Can I renew the Care Enhance Super Top Up Health Plan online?

Yes, the policy can be renewed online through Care Health Insurance's Self Help Portal.

OneAssure

Health Insurance

Care

Enhance Super Top-up One

Care Enhance 1

Experience India's most trusted health insurance with Care Health Insurance. Get instant cashless treatment at 19000 network hospitals with sum insured up to ₹50 lakhs.

96

Claim Settlement Ratio

19000

Network Hospitals

8.6

Customer Rating

Get a Quote

96

Claim Settlement Ratio

19000

Network Hospitals

8.6

Customer Rating

Our Verdict

Expert Review: Care Health Insurance

Final Verdict

Care Enhance is a Super Top-up plan offering up to ₹55 lakh coverage with no ICU sub-limits and global treatment. Ideal for individuals seeking high coverage, it provides add-ons like room rent waiver and OPD cover. However, co-payments may apply.

About

About Care Health Insurance

Care Enhance by Care Health Insurance is a Super Top-up plan that activates once medical expenses exceed a chosen deductible (₹1 lakh to ₹10 lakh). It offers sum insured options up to ₹55 lakh, covering inpatient care, pre and post-hospitalization, and daycare treatments. Key benefits include annual health check-ups, global treatment through the "Enhance Anywhere" feature, and no sub-limits on ICU costs or doctor's fees. Additionally, policyholders can avail tax benefits under Section 80D of the Income Tax Act.

Care Enhance by Care Health Insurance is a Super Top-up plan that activates once medical expenses exceed a chosen deductible (₹1 lakh to ₹10 lakh). It offers sum insured options up to ₹55 lakh, covering inpatient care, pre and post-hospitalization, and daycare treatments. Key benefits include annual health check-ups, global treatment through the "Enhance Anywhere" feature, and no sub-limits on ICU costs or doctor's fees. Additionally, policyholders can avail tax benefits under Section 80D of...

Inclusions and Exclusions

Inclusions and Exclusions of Care Insurance Company Limited

Room Rent

Normal: Single Private Room
ICU: No Limit

Advanced Treatments

Robotic surgeries
Stereotactic radio surgeries
Oral chemotherapy
Deep brain stimulation
Monoclonal antibody immunotherapy.
Hematopoietic stem cell therapy for bone marrow transplants in hematological conditions.

Co-payment

20% co-payment applicable if entry age is 61 years and above.

Waiting Period

Initial Waiting Period - 30 days
Named Ailment Waiting Period- 24 months
Pre-existing Disease Wait Period - 36 months

Cashless Healthcare Providers

24,800+ network hospitals.

Daycare Treatment

The plan covers day care treatments

AYUSH Treatment

It is covered.

Room Rent

Normal: Single Private Room
ICU: No Limit

Advanced Treatments

Robotic surgeries
Stereotactic radio surgeries
Oral chemotherapy
Deep brain stimulation
Monoclonal antibody immunotherapy.
Hematopoietic stem cell therapy for bone marrow transplants in hematological conditions.

Co-payment

20% co-payment applicable if entry age is 61 years and above.

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Exclusions

No coverage for any illness, surgery, or event occurring within the first 30 days of policy commencement.
Ailments or injuries existing before policy issuance are excluded if diagnosed within four years of the first policy.
Treatments arising from self-harm, including suicide attempts, are not covered under this policy.
Medical expenses related to alcohol or drug abuse are excluded from coverage.
Procedures aimed at enhancing appearance, such as plastic surgery, are not covered unless medically necessary due to injury.
Expenses related to fertility, infertility, or assisted conception procedures are excluded from the policy coverage.
Routine dental treatments, including dentures and oral surgeries, are not covered unless necessitated by an accident.
Costs for vision correction devices like spectacles or contact lenses are not covered under this policy.

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About the company

Carе Hеalth Insurancе (formеrly known as Rеligarе Hеalth Insurancе) is onе of India’s most trustеd and customеr-cеntric hеalth insurancе companiеs. It is dеdicatеd to providing comprеhеnsivе and affordablе hеalth covеragе that hеlps individuals and familiеs stay financially sеcurе during mеdical еmеrgеnciеs.
Carе Hеalth offеrs a widе rangе of plans tailorеd for individuals, familiеs, sеnior citizеns, and corporatе groups. Each policy is thoughtfully dеsignеd to covеr hospitalization еxpеnsеs, surgеriеs, daycarе procеdurеs, and both prе- and post-hospitalization costs. Thе insurеr also providеs global covеragе options, wеllnеss-basеd bеnеfits, and top-up plans to еnhancе protеction basеd on spеcific hеalthcarе nееds.

Carе Hеalth Insurancе (formеrly known as Rеligarе Hеalth Insurancе) is onе of India’s most trustеd and customеr-cеntric hеalth insurancе companiеs. It is dеdicatеd to providing comprеhеnsivе and affordablе hеalth covеragе that hеlps individuals and familiеs stay financially sеcurе during mеdical еmеrgеnciеs. Carе Hеalth offеrs a widе rangе of plans tailorеd for individuals, familiеs, sеnior citizеns, and corporatе groups. Each policy is thoughtfully dеsignеd to covеr hospitalization еxpеnsеs, surgеriеs, daycarе procеdurеs, and both prе- and post-hospitalization...

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.