Care Enhance 1

Separate cover for consumables and non-medical hospital items is not established as a standard benefit. Such expenses should not be assumed payable unless they qualify under the applicable policy terms or an expressly selected benefit.

30 days from the policy's commencement for illnesses, subject to the applicable policy terms and the exception for covered accidental injuries.

24 months of continuous coverage for specified illnesses, surgeries and treatments listed in the applicable policy wording, subject to the stated exceptions.

The current Care Enhance product information specifies 36 months of continuous coverage for pre-existing diseases. The exact period applicable to an issued policy depends on its governing wording and endorsements.

An annual health check-up is available for each covered adult member, irrespective of claim history, subject to the insurer's service and eligibility conditions.

Eligible post-hospitalisation medical expenses are covered for up to 60 days after discharge under the documented Enhance 1 offering, subject to the policy's claim conditions.

Routine outpatient consultations, pharmacy purchases and diagnostic expenses are not established as a standard OPD reimbursement benefit. Certain healthcare services or discounts may be available separately, subject to their applicable terms.

Enhance 1 offers a deductible of ₹50,000 and higher options from ₹1 lakh to ₹10 lakh in the available increments and combinations. The insurer's liability begins only after eligible expenses meet the applicable deductible, as calculated under the policy.

Sum insured ranges from ₹1 lakh to ₹30 lakh in ₹1 lakh multiples. Individual and family floater arrangements are available, subject to the insurer's eligibility rules and permitted deductible/sum-insured combinations.

Maternity and routine delivery expenses are not established as a standard covered benefit under Enhance 1. Service discounts, if available, should not be treated as reimbursement for maternity hospitalisation.

Eligible inpatient Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homoeopathy treatment is covered up to the applicable sum insured, subject to policy conditions and eligible treatment requirements.

A 20% co-payment applies where the applicable entry-age condition is met: age 61 or older at entry for an individual policy, or the eldest insured member's age at entry for a family floater. The insured must bear the applicable share of admissible expenses.

Eligible medical expenses incurred up to 30 days before hospitalisation are covered, subject to their connection with the hospitalisation and the policy's claim conditions.

This is an insurer-level measure, not an Enhance 1-specific guarantee. Use Care Health Insurance's verified ratio for a stated financial year and clearly identified methodology; it should not be interpreted as a promise that an individual claim will be approved.

The documented Enhance 1 offering provides eligibility for a single private room. It does not include the next-category room upgrade advertised for Enhance 2. Choosing a room outside the permitted category may affect claim payment under the applicable policy terms.

Care's official website reports more than 22,100 cashless healthcare providers as of December 2025. Network participation can change, and cashless treatment is subject to hospital participation, pre-authorisation and policy conditions.

The documented prospectus covers 170 specified daycare surgeries or procedures that require less than 24 hours of hospitalisation. Coverage is subject to the applicable list and policy terms.

The documented schedule provides no separate monetary sublimit for ICU charges and doctors' fees. This does not establish the absence of every disease-specific or treatment-specific restriction; other policy limits and exclusions continue to apply.

An automatic restoration benefit is not established as a standard benefit in the documented Enhance 1 schedule. Do not assume that the sum insured replenishes automatically after a claim.