Care Enhance Health Insurance
Cashless Approval TAT | 2 hr Cashless Claim Processing |
Claim Settlement Ratio | 95.22% |
Network Hospitals | 21,100+ |
Pre-existing Disease Coverage From | Day 1 |
Special Benefits | No Extra Premium for Disease Coverage |
Starting Premium for Rs. 5 lakhs coverage | Rs. 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/Plan | Enhance (Super Top Up) |
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Room Rent | Single Private Room |
ICU Charges | Actual |
Pre and Post Hospitalization | 30 & 60 days respectively |
6003 Care Cashless Network Hospitals in India
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Add-ons to Enhance Benefits
Care Enhance Expert Review
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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
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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
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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.
Claim Process at Care Health Insurance
FAQs on Enhance Health Insurance Plan
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Does this health insurance policy cover daycare treatments?
Yes, coverage for daycare treatments is insured up to the sum insured.
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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.
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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.
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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.