How does Care Enhance Super Top-up Health Insurance work?

Care Enhance provides additional health insurance protection after eligible medical expenses across the selected deductible during the policy year. It is designed to complement existing health insurance, although the deductible can also be funded through personal savings. The insurer pays eligible expenses above the deductible, subject to the sum insured, policy terms, and applicable co-payment.

What hospitalisation expenses does Care Enhance cover?

Care Enhance covers eligible inpatient hospitalisation, daycare procedures, specified organ donor expenses, and eligible pre- and post-hospitalisation medical expenses. The documented policy version also includes annual health check-ups and eligible inpatient AYUSH treatment. Room eligibility, waiting periods, the deductible and policy exclusions affect the final payable claim amount.

What deductible and coverage amounts are available under Enhance 1 and Enhance 2?

Under the documented plan structure, Enhance 1 offers sum insured from ₹1 lakh to ₹30 lakh and deductible options beginning at ₹50,000, with higher options extending to ₹10 lakh. Enhance 2 offers specified sum-insured combinations up to ₹55 lakh, with deductibles of ₹5 lakh, ₹10 lakh, ₹15 lakh or ₹20 lakh. Not every deductible and sum-insured combination is available. The selected option determines the coverage and threshold applicable to the policy.

When are pre-existing diseases covered under Care Enhance?

The insurer's current online product information specifies a 36-month waiting period for pre-existing diseases. Coverage is subject to the applicable policy wording, disclosure requirements, underwriting and other conditions. Customers with an older policy should check the terms applicable to their issued policy before relying on the current waiting period.

How can I make a cashless or reimbursement claim under Care Enhance?

For cashless treatment, contact a participating network hospital and request pre-authorisation through its insurance desk. The insurer must approve the request under the applicable process and policy terms. For reimbursement, notify the insurer as required, retain the original bills and medical records, and submit the prescribed claim form and supporting documents. Planned and emergency hospitalisations have different notification requirements, so follow the current insurer instructions. Approval and payment remain subject to the deductible, admissible expenses, available sum insured and policy conditions.

Does Care Enhance have a co-payment clause?

A 20% co-payment applies when the relevant entry-age condition is met: the policyholder's age for individual cover or the eldest insured member's age for a family floater is 61 years or older. In that case, the insured bears the applicable percentage of admissible claim expenses in addition to the deductible and any non-payable expenses.

Should I buy Care Enhance if I already have employer-provided health insurance?

It may be worth considering if you want additional protection against eligible annual medical expenses that exceed your employer's health cover. Before purchasing, compare the deductible with your employer policy's sum insured, consider what would happen if you changed jobs or lost that cover, and check whether the deductible can be met through your existing insurance. Review waiting periods, room eligibility, co-payment and exclusions before choosing the plan.

OneAssure

Health Insurance

Care

Enhance Super Top-up

Additional health insurance protection beyond your deductible for major hospitalisation expenses.

96%

Claim Settlement Ratio

22,000+

Network Hospitals

7.5/10

Plan Rating

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Our Verdict

Expert Review: Care Enhance Super Top-up

Final Verdict

Care Enhance can be useful for customers who want to increase their overall financial protection against major medical expenses without relying entirely on a single base policy. Its key advantage is the ability to select a deductible and additional sum insured that fit an existing insurance arrangement and budget.
However, the deductible is a meaningful financial responsibility, not merely a technical feature. Customers should make sure their base policy and savings can cover expenses below the threshold. They should also account for the applicable room category, waiting periods, exclusions and the 20% co-payment condition for eligible older entrants.
The right choice depends on the precise deductible and cover combination, the existing policy's terms and the customer's ability to manage out-of-pocket expenses. Compare the applicable Enhance 1 or Enhance 2 policy wording before deciding.

About

What Is Enhance Super Top-up?

Care Enhance is a high deductible health insurance plan designed to provide an additional layer of financial protection above a selected deductible amount. The plan allows policyholders to choose a deductible that can be met through personal funds or another health insurance policy, while Care Health Insurance covers eligible expenses above that threshold. Coverage includes inpatient hospitalization, daycare treatments, pre and post hospitalization expenses, organ donor expenses, health check-ups and cashless treatment at network hospitals. The plan also offers family floater coverage, lifelong renewability and an optional worldwide treatment feature under Enhance Anywhere.

Enhance Super Top-up Ratings

Enhance Super Top-up

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

Care Enhance Super Top-up Inclusions

Modern Treatment

Covers eligible advanced technology treatments, subject to the policy's specified treatment list, medical necessity and applicable terms. Covered expenses are payable up to the sum insured.

ICU Charges

ICU expenses are covered up to the sum insured, with no separate ICU sub-limit listed on the insurer's product page.

Cumulative Bonus

The sum insured increases by 50% of the base sum insured for each policy year, up to a maximum increase of 100%. Accrued bonus is not reduced on renewal because of a claim, subject to policy terms.

Initial Waiting Period

30 days for illnesses from the policy start date, except injuries, subject to the policy terms.

Specific Waiting Period

24 months for specified illnesses and procedures, subject to the applicable list and policy conditions.

PED Waiting Period

36 months of continuous coverage for pre-existing diseases, subject to policy terms and underwriting.

Post-Hospitalisation

Eligible medical expenses for up to 180 days after discharge are covered under the insurer's current product listing, subject to policy conditions.

Outpatient Department Cover (OPD Expense)

Routine OPD treatment is not a core hospitalisation benefit. The plan lists unlimited general-physician e-consultations and discounts on selected healthcare services.

Deductible Option

A deductible applies before the super top-up pays eligible expenses. Options vary by plan variant; the deductible must be considered alongside the base health insurance and the amount the customer can pay personally.

Maternity Cover

Maternity expenses, including childbirth-related expenses, are generally excluded. The plan's healthcare-service discount programme may offer discounts on maternity services, but this is not the same as insurance coverage for maternity expenses.

AYUSH Treatment

Inpatient AYUSH treatment is covered up to the sum insured when hospitalisation takes place in an AYUSH-certified clinic, subject to policy terms.

Consumable Cover

Routine non-medical consumables are not listed as a separate standard benefit. Check the policy's admissible-expense rules before assuming consumables such as gloves, masks or other non-medical items will be reimbursed.

Annual Health Checkup

Annual health check-ups are available for covered adult members regardless of previous claim history, subject to the policy terms.

Coverage Options

Available on an individual and family floater basis. The plan offers Enhance 1 and Enhance 2 options with different sum insured and deductible combinations. The maximum sum insured is ₹55 lakh.

Pre-Hospitalisation

Eligible medical expenses incurred up to 60 days before hospitalisation are covered, subject to policy conditions and the relationship of the expenses to the hospitalisation.

Daycare Treatment

Covers eligible daycare procedures that do not require a 24-hour hospital stay, subject to the policy terms and applicable procedure conditions.

Co-payment

A 20% co-payment applies if the policy is purchased at age 61 or above. The insured member bears 20% of the admissible claim amount, with the balance payable subject to the policy terms.

Claim Settlement Ratio

Care Health Insurance's insurer-level claim settlement ratio should be displayed using the verified financial year and published methodology adopted by OneAssure. It is not a separate benefit or guarantee of an individual claim.

Room Rent

Single private AC room eligibility, with room-category conditions varying by Enhance option. Check the schedule for the selected option before admission to avoid room-related deductions.

Cashless Healthcare Providers

Cashless treatment is available at the insurer's network hospitals, subject to pre-authorisation and policy terms. The insurer currently advertises a network of over 22,100 cashless healthcare providers; availability can change.

Disease-wise sublimits

The plan is presented as having no disease-wise sub-limits for covered hospitalisation benefits. Claims remain subject to the deductible, sum insured, exclusions, admissibility rules and other policy conditions.

Restoration Benefit

Unlimited automatic recharge is listed on the insurer's current product page. The sum insured can be recharged by an amount equal to the selected sum insured, multiple times in a policy year, subject to policy conditions.

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About the company

About Care

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.

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.