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Care Health Insurance Super Top-up Plans
Care Enhance is a super top-up health insurance plan that helps cover extra medical costs when your regular health insurance reaches its limit. Once you pay the deductible amount, this plan starts covering the remaining hospital bills. With this plan, you can get coverage up to Rs. 55 lakh. For example, if you have a Rs. 10 lakh super top-up plan with a Rs. 1 lakh deductible, and your hospital bill is Rs. 7 lakh, the insurance will pay Rs. 6 lakh after you cover the first Rs. 1 lakh. This helps protect you from high medical expenses.
Key Highlights of Care Super Top-up Health Insurance Plans?
Here are the main benefits of this super top-up plan:
- 01
Two plan options
You can choose between Enhance 1 and Enhance 2.
- 02
Lifetime renewal
You can renew the policy for life without any restrictions.
- 03
Coverage amount
Up to Rs. 30 lakh in Enhance 1 and up to Rs. 55 lakh in Enhance 2.
- 04
Co-payment
If you are 61 years or older, you will need to pay 20% of the claim amount.
- 05
Covers individuals and families
Available for both single persons and families.
Health Insurance Plans By Care
Eligibility Criteria
| Specifications | Criteria to Fulfill |
|---|---|
| Minimum Entry age | Adult: 18 years, Child: 1 day (floater), Individual: 5 years |
| Maximum Entry Age | Adult: No age limit, Children: 24 years |
| Renewability | Lifelong |
| Waiting period for Pre-Existing Diseases | 48 Months |
| Deductible in Enhance 1 | Rs 1 lakh- Rs 10 lakh |
| Deductible in Enhance 2 | Rs 5 lakh- Rs 20 lakh |
Inclusions and Exclusions of Care Health Insurance Super Top-up Plans
Care Super Top-up is one of the most popular Care Health Insurance plans that offers medical coverage. Here are some inclusions and exclusions of this plan:
Inclusions
- In-patient care up to the sum insured
- 540 daycare procedures are covered
- Pre and post-hospitalisation expenses for 30 days and 60 days, respectively
- ICU charges and doctors’ fees with no sub-limits
- Enhance Anywhere benefit
- Organ donor expenses are covered up to the sum insured
- Add-on coverage option for medical expert opinion
Exclusions
- Injuries intentionally caused to oneself are not covered.
- Expenses for substance abuse or rehabilitation are excluded.
- Injuries from high-risk or extreme sports are usually not covered.
- Treatments not recommended by a medical professional are not included.
- Treatments not recommended by a medical professional are not included.
- Treatments not recommended by a medical professional are not included.
- Treatments not recommended by a medical professional are not included.
FAQs
A super top-up plan helps cover extra medical expenses when your regular health insurance reaches its limit.
It starts working after you pay the deductible amount. Once that is paid, the insurance will cover the remaining medical costs.
Yes! The plan is available for both individuals and families under a family floater option.
You can get coverage up to Rs. 55 lakh, depending on the plan you choose.
Yes, this super top-up plan comes with a lifetime renewal option, so you can continue using it for as long as you want.