Care Enhance 2
Care
8.6/10
OneAssure Rating
8.6/10
OneAssure Rating
Highlighted Features
Room rent and ICU limit:
No cap on room rent; ICU charges covered up to sum insured, allowing unrestricted access to quality care.
Advanced treatments
Covers robotic surgeries, stem cell therapy (approved conditions), proton beam therapy, and modern procedures, ensuring access to cutting-edge treatments.
Policy Wording
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Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
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.
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.
Any treatment received outside the policy network without prior approval is excluded.
Non-medical expenses, including consumables like gloves, masks, or administrative costs, are not covered.
Congenital diseases or defects unless specifically covered under the policy are excluded.
Alternative treatments, except for AYUSH treatments if included in the policy, are not covered.
Treatment for conditions arising due to war, terrorism, or nuclear hazards is excluded.
Expenses for rehabilitation, rest cures, or custodial care are not covered.
Maternity-related expenses, unless covered under a specific maternity benefit, are excluded.
OPD consultations, routine medical check-ups, and diagnostic tests without hospitalization are not covered unless specified.
Costs incurred for organ donation unless the insured is the recipient are excluded.
Any complications arising from non-disclosure of pre-existing conditions may lead to claim rejection.
Exclusions
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Why OneAssure?
We help you maximize your coverage over time for stronger protection.
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.
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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.
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.
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