Care Top-Up health insurance

Care health insurance - Enhance review

• Care Enhance insurance highlights

  Minimum entry age	Individual - Adult : 18 years and above, children : 5 years to 24 years Floater - Adult : 18 years and above, children : 1 day to 24 years with at least 1 member of age 18 years or above
  Maximum age	No age bar
  Renewal lifelong renewabilty	The policy can be renewed under the then preveling Health Insurance Product or its nearest substitute approved by IRDAI.
  Renewal premium	Premium payable on renewal and on subsequent continuation of cover arc subject to change with prior approval from IRDAI.
  Co-payment (Sum Insured 5 lakhs & above)	If you enroll at the age of 61 years or more, you will have to pay 20% of the claim amount under the policy. We pay the rest.
  Waiting period	30 days for any illness except injury
  Waiting period (Named ailments)	Two years of continuous coverage
  Waiting period for pre-existing illnesses	Four years of continuous coverage
  Change in sum insured	You can enhance your sum insured under the policy only upon renewal
  Grace period	30 days from the date of expiry to renew the policy
  Underwriting loadings	Based on the assessment of the extra risk on account of medical conditions by the underwriter, the premium shall be loaded accordingly (15%, 30% or 50%)
  Group discount	5 to 20%, depending upon the group size.
  Complete care	After 4 years of continuous coverage, you have an option to convert your deductible plan to Comprehensive Health Insurance Plan (without any deductible)

• Care Enhance insurance features

  No Sub-Limits !
  As far as we are concerned, it is your money – All our plans come without any cap on vital expenses like doctor/surgeon fees, operation theater & allied charges, to name a few. No room rent limit charges plans start from 5 lakhs.
  
  Avail Health Check-ups, every year
  Our wish is your good health. To pre-empt your ever having to visit a hospital, you can avail our comprehensive health check-ups for yourself and adult members of your family covered by the policy, every year. Even if you make a claim with us! Just call our call center anytime, to schedule your appointment. Its simple.
  
  Hospitalization & Day Care Treatment
  If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours, we pay from room charges to operation theatre charges and more. We also pay for your medical expenses if you undergo even a day care treatment at a hospital that requires hospitalization for less than 24 hours - we cover a comprehensive range of 170 day care treatments, the highest in industry. You will also get cashless treatment at our over 3500+ network hospitals and reimbursement in any other hospital of your choice.
  
  Pre & Post hospitalization
  We cover the medical expenses incurred by you even 30 days before your hospitalization. There may also be follow-up visits to your medical practitioner, medication that is required etc. We cover the related medical expenses incurred by you after your hospitalization also, for a period of 60 days.
  
  Avail Treatment anywhere in the World
  Our care knows no boundaries; literally. So, while we ensure you have access to the best healthcare services, we leave it to your discretion whether you would wish to avail certain specialized treatments in India or abroad and reimbursed as per policy. Available for sum insured of 50 and 60 lakhs plans.
  
  'No Co-Payment' Plans
  Co-payment means the insured would have to pay a part of the claim amount. Generally, companies ask for 20%. But ALL of our plans are 'No Co-payment' plans for entire life, if the person to be insured is less than 61, at the time of 1st buy of the policy. If the person is more than 61 yrs at the time of 1st buy of policy, they can choose 3 or 4 lakhs to have 'No Co-Payment' Option plan.
  
  No 'Claim-based' loading & Get Lifetime Renewability
  We want you there for you, for your entire life. That's why none of our plans have any 'Claim-based loading' of premiums at the time of renewals. The Policy can also be renewed lifelong under the prevailing Health Insurance Product or its nearest substitute approved by IRDAI.
  
  Review your decision
  After purchasing your policy, if you find it unsuitable, you can cancel the same with us. Our policy comes with a free look period of 15 days.
  
  Other great benefits you also get are-
  There's still lot more we have for you! All our policies are eligible for claiming deduction for Tax Benefit under section 80D, Floater Cover, Ambulance expenses covered, Organ donor medical expenses covered, Domiciliary hospitalization covered, Increase your Policy’s Sum Insured even later, 7.5% Discount on 2 year policy terms, online instant health insurance buy and more.

• Care Enhance insurance benefit table

  Plan Options
  Features/plan (Sum Insured)	Enhance 1	Enhance 2
  Sum Insured	Rs.1 lakh to Rs.25 lakhs (As multiple of 1,2,3,4 or 5 time of deductible) Rs.6 lakhs to Rs.30 lakhs (As multiple of 1,2 or 3 time of deductible)	Rs.30 lakhs, Rs.35 lakhs, Rs.40 lakhs, Rs.45 lakhs, Rs.50 lakhs, and Rs.55 lakhs
  Deductible(or existing Policy Sum Insured)	Sum Insured Deductible Rs.1 lakh to Rs.25 lakhs Rs.1 lakh, 2 lakhs, 3 lakhs, 4 lakhs or 5 lakhs Rs.6 lakhs to Rs.30 lakhs 6 lakhs, 7 lakhs, 8 lakhs, 9 lakhs or 10lakhs	Sum Insured Deductible Rs.45 and Rs.55 lakhs Rs.5 lakhs Rs.40 and Rs.50 lakhs Rs.10 lakhs Rs.35 and Rs.45 lakhs Rs.15 lakhs Rs.30 and Rs.40 lakhs Rs.20 lakhs
  In patient Care	Up to Sum Insured	Up to Sum Insured
  Pre Hospitalization	Up to 30 Days	Up to 30 Days
  Post Hospitalization	Up to 60 Days	Up to 60 Days
  Day Care Treatment	Yes	Yes
  Room Rent Category	Single Private Room with A.C	Single Private Room with A.C., upgradable to next level
  ICU charges, Doctor's fee etc.	No Limit	No Limit
  Health check-up	Yes	Yes
  Organ Donor Cover	Yes	Yes
  Expert Option	Yes	Yes
  Enhance Anywhere	No	Yes

• Care insurance exclusion

  • Any pre-existing ailment/injury that was diagnosed /acquired within 48 months prior to issuance of the first policy.
  • Any diseases contracted during first 30 days of the policy start date except those arising out of accidents.
  • Non-allopathic treatment.
    Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide).
  • Expences arising out of or attributable to alcohol or drug use/misuse/abuse.
  • Cost of spectacles/contact lenses, dental treatment.
    Medical expenses incurred for treatment of AIDS.
  • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences.
  • Congenital disease.
  • Tests and treatment relating to infertility and in vitro fertilisation