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

96%

Claim Settlement Ratio

22000+

Network Hospitals

8.6

Customer Rating

Policy Policy Wording

Policy Brochure

Get a Quote

96%

Claim Settlement Ratio

22000+

Network Hospitals

8.6

Customer Rating

Policy Policy Wording

Policy Brochure

Our Verdict

Expert Review: Care Enhance Super Top-up Two

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 Enhance Super Top-up Two

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...

Two Ratings

Ratings: Care Two

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 Two

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.

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.

Daycare Treatment

Covered under this policy.

AYUSH Treatment

Covered under this policy.

Room Rent

Normal: single private room
ICU: No limit

Cashless Healthcare Providers

24800+ Network hospitals.

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.

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.

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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.