Care Enhance Health Insurance

Claim Settlement Ratio | 95.47% |
COVID-19 Cover | Yes |
In-House Claim Settlement | 100% |
Network Hospitals | 8,250+ |
Policies Sold | 6,91,739 |
Renewability | Lifelong |
About Care Enhance Health Insurance
Care Enhance is a super top-up health insurance policy that covers you for illnesses that are way too critical and the treatment expenses of which tower beyond your expectations. The policy comes in two variants namely Enhance 1 and Enhance 2. Both of which difference in coverage benefits, sum insured as well as deductible options. The sum insured options that you can choose from in these two plans range between Rs. 1 lakh and Rs. 30 lakh in Enhance 1 and between Rs. 45 lakh and Rs. 30 lakh and Rs. 55 lakh in Enhance 2. One of the highlights of the policy is that no pre-policy medical check-up is required for coverage if deductible and sum insured combined is less than Rs. 40 lakh till 50 years of age. Also, you can avail selected medical treatment anywhere in the world with Enhance anywhere feature.
The policy offers hassle-free cashless treatment at leading hospitals across India. If covered under the policy, you can avail several coverage benefits such as in-patient care, daycare expenses, pre-hospitalisation and post-hospitalisation expenses, enhance anywhere, etc. Other than this, the policy comes with a floater coverage option, tax benefits under Section 80D of the Income Tax Act, 1961, add-on benefits, etc.
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Key Inclusions and Exclusions of the Plan
What's Included
- In-patient hospitalisation expenses
- Pre-hospitalisation and post-hospitalisation expenses
- Health check-up
- Organ donor expenses
- Daycare treatment
What's Not Included
- Expenses incurred on spectacles, contact lenses, dental treatment
- Congenital disease
- Expenses incurred on treatment for AIDS
- Pregnancy/childbirth, abortion, miscarriage, and other treatment expenses
- Treatments and tests related to infertility and IVF
1716 Care Cashless Network Hospitals in India
Add-ons to Enhance Benefits
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Everyday care
Under this add-on benefit, Care Health Insurance covers you for everyday care services such as health portal, free health helpline, health and wellness offers, maximum 4 consultations of doctors for the same illness in a policy year, etc. -
Expert opinion
This add-on covers you for additional medical opinion in relation to a major illness that you have been diagnosed with, during a policy term. The medical opinion shall be arranged for some specific illnesses such as cancer, multiple sclerosis, end stage renal failure, benign brain tumor, etc.
Claim Process at Care Health Insurance
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FAQs on Care Enhance Health Insurance Plan
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What are the deductible options under Care Enhance policy?
Care Enhance 1 policy comes with deductible options ranging between Rs. 1 lakh and Rs. 10 lakh and Care Enhance 2 policy comes with deductible options of Rs. 5 lakh, Rs. 10 lakh, Rs. 15 lakh, and Rs. 20 lakh.
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Is there any co-payment clause under Care Care Enhance policy?
Yes. If you enroll under Care Enhance policy at the age of 61 years or more, you will be required to pay 20% of the claim amount and the rest will be borne by the insurance company.
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What is the minimum entry age to be covered under Care Enhance policy?
If purchased on an individual basis, the minimum entry age for adults for Care Enhance policy is 18 years and for children, it is 5 years to 24 years. Whereas if purchased on a floater basis, then the minimum entry age for adults is 18 years and for children, it is 1 day to 24 years with at least one member aged 18 years or more.
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What are the waiting periods under Care Enhance policy?
Care Enhance policy comes with an initial waiting period of 30 days. Whereas the waiting period for some specific illnesses is 2 years, and for pre-existing illnesses, it is 4 years.
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What is the room category that I will be covered for under the Care Enhance policy?
Under Care Enhance 1, you will be covered for a single private room with AC. whereas in Enhance 2, you will be covered for a single private room with AC, and you can upgrade to next level.