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Care Enhance Health Insurance

20 reviews Rate This
Claim Settlement Ratio95.22%
COVID-19 CoverYes
In-House Claim Settlement100%
Incurred Claim Ratio55%
Network Hospitals8,250+
Policies Sold6,91,739

About Care Enhance Health Insurance

Religare Enhance Plan is a health insurance policy, which provides medical coverage to your complete family. The insurance cover under this plan range up to different amounts of SI, as per the verticals that can be utilized by the insured members during hospitalisation because of an accident, disease or injury. Apart from bearing the cost of hospitalisation, the plan offers several other beneficial features, which comprises of organ donation, health check-up, 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 variant, 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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1047 Care Cashless Network Hospitals in India

Choose Care Health Insurance (Religare) Critical Illness Plan

Enhance User Reviews

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What users are saying
  • All
  • A true friend..

    This Enhance health plan gave me a reason to stay calm during a medical emergency.. this top-up plan provided ...

    Read More
    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 ho...

    Read More
    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 be...

    Read More
    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 be...

    Read More
    By Aditi Asthana
    On: Feb 11, 2020
  • Extraordinary plan.

    This super top-up plan helped me enhance the coverage of my existing health insurance policy by paying low pre...

    Read More
    By Tahir Bakshi
    On: Jan 30, 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.

  • What are the minimum and maximum entry ages for the plan?

    The minimum entry age for the plan is 18 years for adults and 5 years for kids in case of an individual plan, while 18 years for adults and 1 day for kids under a family floater plan. There is no maximum entry age in the plan.

  • What are the add-on benefits provided under the plan?

    Expert Opinion is the add-on benefit offered under the insurance policy.

  • Is there any sub-limit on any coverage feature?

    No, there lies no sub-limit on any component of the plan.

  • Does the plan provide any maternity benefit?

    No, maternity benefits are not covered under the Religare Enhance Plan.

  • Is there any discount applicable on purchasing the Religare Enhance Plan?

    Yes, a group discount is available from 5% to 20%, which depends upon the size of the group buying the plan.

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