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 22000 network hospitals with sum insured up to ₹50 lakhs.

96%

Claim Settlement Ratio

22000+

Network Hospitals

8.6

Customer Rating

Policy Brochure

Get a Quote

96%

Claim Settlement Ratio

22000+

Network Hospitals

8.6

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Care Enhance Super Top-up One

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 Enhance Super Top-up One

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...

One Ratings

Ratings: Care One

Insurer Rating

7.51

out of 10

Insurance Rating

7.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Add on

No Disease Sublimits

Yes

Unlimited Restoration

Yes

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of Care Enhance Super Top-up One

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.

Cashless Healthcare Providers

24,800+ network hospitals.

Waiting Period

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

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.

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.

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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.