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Care Enhance Health Insurance

244 reviews Rate This
Care Health Insurance
Cashless Approval TAT2 hr Cashless Claim Processing
Claim Settlement Ratio95.22%
Network Hospitals21,100+
Pre-existing Disease Coverage FromDay 1
Special BenefitsNo Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs coverageRs. 546/month

About Care Enhance Health Insurance

Care Enhance Plan is a health insurance policy, which provides medical coverage to your complete family. The insurance cover under this plan ranges up to different amounts of SI, as per the verticals that can be utilized by the insured members during hospitalization because of an accident, disease, or injury. Apart from bearing the cost of hospitalization, the Religare Enhance plan offers several other beneficial features, which comprise organ donation, health checkups, daycare, ICU expenses, doctor’s fees, and so on.

In addition to these, the insurance plan also gifts an option of expert opinion to its policyholders as an add-on component. Under one of the variants, the feature of Enhance Anywhere i.e. to avail selected treatments or procedures anywhere in the world is also offered up to a specific cover. Therefore, the insurance scheme is considered to be one of the best plans in the market to deliver comprehensive coverage for families.

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Key Inclusions and Exclusions of the Plan

What's Included

  • An annual health check-up is provided for every insured individual under the plan
  • The cost of daycare treatments that require hospitalisation of fewer than 24 hours are covered
  • Enhance anywhere feature incorporates the expense of the treatments and procedures anywhere in the world
  • The expenses related to organ donation with the treatment of organ donor is included under this feature
  • The costs related to room expenses, nursing charges, ICU, anaesthesia, blood, oxygen and so on, are covered under the policy

What's Not Included

  • The expenses incurred on the treatment of self-inflicted injury in the case of suicide attempts etc. are not covered
  • No coverage is allowed for the treatment of congenital diseases, i.e. disabilities due to birth defects
  • The expenses related to the treatment of AIDS or HIV symptoms are not covered
  • The expenses incurred on the treatment of alcohol abuse, drug misuse etc. are not covered
  • Non-allopathic treatments are not covered under this insurance plan

Enhance Plan Details

Features/PlanEnhance (Super Top Up)
Room Rent
Single Private Room
ICU Charges
Pre and Post Hospitalization
30 & 60 days respectively
Day Care Procedure
Free Health Checkup
Organ Donor
Second Opinion
Yes (Add-On)
Worldwide Emergency Cover
Yes (Enhance anywhere)
20% after 60 years
Initial Waiting Period
30 Days
Specific Illness Waiting Period
2 Years
Waiting Period of PED
4 Years
Additional Features
Everyday Care
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6003 Care Cashless Network Hospitals in India

Choose Care Health Insurance Critical Illness Plan

Enhance User Reviews

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What users are saying
  • All
  • Renewal Policy is Awesome

    We bought the Care Health Insurance (Relegare)- Enhance Policy last year from InsuranceDekho. We contacted InsuranceDekho again for the renewal of our health insurance plan. I am happy with the services provided by their customer service representatives. They helped me go through the process very smoothly. I’m happy to buy health insurance from the best leading insurance company and definitely would like everyone to consider InsuranceDekho. 

    By Ashok Dutta
    On: Jul 19, 2023
  • A true friend..

    This Enhance health plan gave me a reason to stay calm during a medical emergency.. this top-up plan provided me with an additional financial assistance when I got my regular plan exhausted. It is a friend in need.. hats off to this policy for its services and user friendly policies.

    By Harsh Tyagi
    On: Mar 02, 2020
  • Recharges the life!

    This plan helped me when I got in trouble. My existing plan got exhausted while my wife was admitted in the hospitalisation. I was very confused then, but due to this plan only I could manage to handle the situation. It is very affordable and highly reliable top-up health policy.

    By Tanmay Sharma
    On: Mar 02, 2020
  • A knock out plan.

    There are many benefits stuffed under this policy. I have been using this for more than a year. This is the best possible assistance that I get after my existing plan got exhausted. It is a top up plan. That never made me worry during an emergency situation. I am giving 100 out of 100 to this policy.

    By Tushar Gupta
    On: Feb 11, 2020
  • Affordable policy!!

    This Enhance is a good choice to increase the coverage of your existing health plan. Its inclusive coverage benefits and level of deductible and sum insured ensured me that i can customise the coverage as per my requirement. This was an add-on in a plan whose premiums are also affordable.   

    By Aditi Asthana
    On: Feb 11, 2020

Add-ons to Enhance Benefits

  • Expert Opinion

    An additional amount of premium can get you a second opinion of an expert physician or a doctor, pertaining to your diagnosis or condition. 

Care Enhance Expert Review

  • Expert Review

    Religare Enhance is a super top-up health insurance plan which lets you increase your existing health insurance coverage by paying very low premiums. The plan allows a range of coverage benefits which help you cover your excess medical costs without feeling the pocket pinch yourself. Since it is a super top-up plan, the aggregate claims in a year are matched against the deductible limit that you choose. If the value of aggregate claims exceeds the deductible, the plan pays the excess claim.

    You can buy the plan for yourself or for your entire family under the floater coverage option. The minimum entry age for adults is 18 years. For children, the minimum entry age is 5 years if an individual plan is bought else it is 1 day. Children are covered up to 24 years while for adults there is no maximum entry age. There are two plan variants of Enhance 1 and Enhance 2 and Enhance 2 is further subdivided into four more variants. The sum insured lies between Rs. 1 Lakh and Rs. 40 Lakh while the deductible limits lie between Rs. 1 Lakh to Rs. 20 Lakh.

  • Major Attractions

    Coverage under the plan depends on the plan variant that you select. There are multiple combinations of the sum insured and deductible limits which make the plan suitable for all. The main coverage benefits include the following –

    • Expenses incurred before hospitalisation, when admitted to the hospital and after being discharged from the hospital are covered
    • Expenses related to room charges, nursing charges, ICU, blood, anesthesia and oxygen, etc. are covered
    • Daycare treatments which take less than 24 hour hospitalisation are also covered
    • Coverage is allowed for organ donor expenses if the insured is undergoing any organ transplant surgery
    • Free health check-ups are allowed every year whether there is a claim under the policy or not.
    • Enhance Anywhere coverage feature allows you to take treatments anywhere in the world for specified illnesses and diseases
    • OPD expenses incurred on doctor visits and medicines are also covered under the optional benefit called Everyday Care
    • A free Expert Opinion as an add-on benefit can be availed if you suffer from any of the specified critical illnesses
  • What’s More?

    Apart from the inclusive coverage features and the range of coverage levels, the policy has more to offer. These include the following –

    • A family discount is allowed for adding family members to the coverage. The discount is 5% if 2 or 3 members are added and 10% for 4 or more members
    • Buying the policy for 2 continuous years earns you a discount of 7.5% which increases to 10% if you buy the policy for 3 years
    • The policy is renewable lifelong if you renew it within time
    • The premiums payable for the policy attract tax exemption under Section 80D
  • Conclusion

    If you are looking to increase your health insurance coverage, Religare Enhance would be a good choice. The plan’s inclusive coverage benefits and the flexible levels of deductible and sum insured ensure that you can customise the coverage as per your requirement. The premiums are also affordable and the plan allows you the security of sufficient coverage

    You can buy the plan online at InsuranceDekho’s website which is an online portal for your insurance needs. InsuranceDekho website allows you to compare different policies and choose the best policy for your needs. Moreover, if you are confused, you also get personalised help from the website’s representatives who ensure that you buy the right plan. So, understand the plan’s benefits and buy it online on InsuranceDekho website. 

Care Enhance Brochure

  • 482.90 KB
  • PDF Document
  • Apr 16, 2019

Claim Process at Care Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Enhance Health Insurance Plan

  • What is the waiting period for pre-existing diseases and specific diseases, under the plan?

    Under Religare Enhance Plan, the pre-existing diseases are covered post 48 months of continuous coverage, while any illness except injury is insured post 30 days and 24 months for specific diseases.

  • Does this health insurance policy cover daycare treatments?

    Yes, coverage for daycare treatments is insured up to the sum insured.

  • What is the Sum Insured (SI) amount offered under this health insurance plan?

    There are two variants under this plan, where SI amounts are offered from Rs. 1 Lakh to Rs. 10 Lakh and Rs. 5 Lakh to Rs. 20 Lakh, respectively.

  • What is the amount of co-payment applicable to the Religare Enhance Plan?

    On registering at the age of 61 and above, one needs to pay for 20% of the claim amount under the plan, while the insurer pays the rest.

  • What is the grace period for Religare Enhance Plan?

    30 days grace period is offered under the plan from the date of expiry to renew the policy.

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