How does the waiting period affect my coverage?

The Care Enhance 2 plan includes a 30-day initial waiting period, except for accidental claims. Pre-existing conditions are covered after 48 months, while specified illnesses have a waiting period of up to 24 months.

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

If no claims are made in a policy year, you receive a No Claim Bonus (NCB), increasing your sum insured annually by a fixed percentage, up to a specified limit, at no extra cost.

Will my health insurance cover treatment abroad?

The Care Enhance 2 plan primarily covers treatments within India. However, optional add-ons may provide limited coverage for medical emergencies abroad. For global coverage, check with the insurer or consider an international plan.

Are there any riders available with the Care Enhance Plan?

Yes, the Care Enhance Plan offers optional riders like Everyday Care and Expert Opinion. These provide added benefits such as health consultations and second opinions.

OneAssure

Health Insurance

Care

Enhance Super Top-up Two

Care Enhance 2

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

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Final Verdict

Care Enhance 2 is a top-up health insurance plan with high sum insured options and deductible-based premiums. It covers hospitalization, advanced treatments, and AYUSH therapies. Add-ons like Global Treatment Cover, Critical Illness Cover, and Maternity & Newborn Cover enhance protection. However, room rent limits, a 20% co-payment for senior citizens, and waiting periods of up to 4 years for pre-existing diseases apply.

About

About Care Health Insurance

Care Enhance 2 is a top-up health insurance plan designed to provide additional coverage beyond your existing health insurance. It offers high sum insured options with a deductible, ensuring cost-effective premiums. The plan covers in-patient hospitalization, pre- and post-hospitalization expenses, day care procedures, and domiciliary treatments. It also includes annual health check-ups and ambulance coverage. With lifelong renewability and tax benefits under Section 80D, Care Enhance 2 ensures extended financial protection against medical expenses while complementing your primary health insurance.

Care Enhance 2 is a top-up health insurance plan designed to provide additional coverage beyond your existing health insurance. It offers high sum insured options with a deductible, ensuring cost-effective premiums. The plan covers in-patient hospitalization, pre- and post-hospitalization expenses, day care procedures, and domiciliary treatments. It also includes annual health check-ups and ambulance coverage. With lifelong renewability and tax benefits under Section 80D, Care Enhance 2 ensures extended financial protection against medical expenses while...

Inclusions and Exclusions

Inclusions and Exclusions of Care Insurance Company Limited

Advanced Treatments

Robotic surgeries
stem cell therapy
Oral chemotherapy
Targeted therapy, and advanced radiation techniques.

Co-payment

Care Enhance 2 includes a co-payment clause, requiring policyholders to pay a percentage of claims before the insurer covers remaining expenses.

Cashless Healthcare Providers

24800+ Network hospitals.

Daycare Treatment

Covered under this policy.

AYUSH Treatment

Covered under this policy.

Room Rent

Normal: single private room
ICU: No limit

Waiting Period

Initial Waiting Period: A 30-day waiting period applies from the policy start date, except for accidental hospitalization.Pre-Existing Diseases (PED): Coverage for pre-existing conditions begins after a waiting period of 24 to 48 months, depending on the policy terms.Specific Diseases: Certain illnesses and treatments, such as hernia, cataracts, and joint replacements, have a waiting period of 24 to 48 months.Maternity and Newborn Cover (if applicable): Typically has a waiting period of 9 months to 4 years.

Advanced Treatments

Robotic surgeries
stem cell therapy
Oral chemotherapy
Targeted therapy, and advanced radiation techniques.

Co-payment

Care Enhance 2 includes a co-payment clause, requiring policyholders to pay a percentage of claims before the insurer covers remaining expenses.

Cashless Healthcare Providers

24800+ Network hospitals.

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Exclusions

Pre-existing diseases are not covered until the completion of the waiting period.
Treatment for illnesses or injuries resulting from drug or alcohol abuse is excluded.
Cosmetic or aesthetic procedures, unless medically necessary due to an accident or illness, are not covered.
Self-inflicted injuries, suicide attempts, or harm due to hazardous activities are excluded.
Treatment for infertility, sterility, or assisted reproductive techniques is not covered.
Dental procedures, unless required due to an accident, are excluded.
Injuries or illnesses resulting from participation in adventure sports or professional sports are not covered.
Treatment related to weight loss, obesity, or bariatric surgery is excluded unless specified in the 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.