Care Enhance is a comprehensive super top-up health insurance plan designed to provide additional protection beyond your existing health coverage. If your current health plan has its limits, Care Enhance can step in when your medical expenses surpass the deductible threshold. This deductible is the amount you agree to pay before your policy becomes active. The plan acts as a financial cushion, offering coverage for substantial medical treatments that may exceed the limits of your primary health insurance.
What sets Care Enhance apart is its flexibility. It offers policyholders a range of higher sum insured options, reaching up to Rs 55 lakh. To illustrate, if you opt for a Care super top-up health plan with a sum insured of Rs 15 lakh and a deductible of Rs 1.5 lakh, and you incur a hospital bill of Rs 8 lakh, the insurance company steps in to cover the amount exceeding the deductible, i.e., Rs. 6.5 lakh.
Here, we will cover the Care Super Top-Up Plan in detail, exploring its benefits and how it can serve as a robust financial safety net for unexpected healthcare expenses.
Key Features of Care Super Top-Up Health Insurance Plan
- Coverage Options: offers two variants: Enhance 1 and Enhance 2 (Variant 1 provides coverage ranging from Rs 1 lakh to Rs 30 lakh, while Variant 2 extends coverage up to Rs 55 lakh)
- Co-payment for Senior Members: 20% co-payment applicable for insured members aged 61 years and above
- Policy Flexibility: Both individual or family floater plans available
- High Claim Settlement Ratio: Claim settlement ratio of 95.2%
- Lifetime Renewability: Possible
These features confirm that the Care Super Top-Up Health Insurance Plan combines comprehensive coverage, flexibility, and reliability.
Read More: All About Care Health for Senior Citizens
Common Inclusions of Care Super Top-Up Health Insurance Plan
- Coverage for in-patient care expenses up to the sum insured
- Coverage for 540 daycare procedures
- Coverage for pre-hospitalization expenses for 30 days and post-hospitalization expenses for 60 days ICU charges and doctor’s fees
- No sub-limits on ICU charges and doctor’s fees
- Enhance Anywhere Benefit
- Add-on coverage for medical expert opinion with Care Super Top-Up
For a comprehensive understanding of the policy inclusions, refer to the Care Health Super Top-Up plan brochure.
Exclusions of Care Super Top-Up Health Insurance Plans
- Pre-existing diseases diagnosed within 48 months of policy issuance
- Expenses related to non-allopathic treatments, including alternative and traditional medicines
- Treatment costs arising from self-inflicted injuries
- Overdose of tobacco, drugs, and alcohol-related medical conditions
- The cost of daily eye and ear examinations, dentures, artificial teeth, and other routine or cosmetic procedures
- Complications arising from childbirth and ectopic pregnancies are
- Treatment for external congenital diseases
Understanding these inclusions and exclusions can empower policyholders to make informed decisions and manage expectations regarding the coverage provided by the Care Super Top-Up Health Insurance Plan.
Care Enhance Super Top-Up Eligibility Criteria
The eligibility criteria outline the qualifications and conditions individuals must meet to enroll in the Care Enhance Super Top-Up plan.
- Minimum Entry Age: 18 years (1 day for children under the floater option and 5 years for individual coverage)
- Maximum Entry Age: No upper age limit for adults/children up to the age of 24 years
- Deductible in Enhance 1: Ranges from Rs 1 lakh to Rs 10 lakh
- Deductible in Enhance 2: Ranges from Rs 5 lakh to Rs 20 lakh
- Renewability: Lifelong
- Waiting Period for Pre-Existing Diseases: 48 months
For detailed information and specific inquiries about eligibility, it is advisable to consult with Care Health Insurance representatives or refer to the policy documentation.
FAQs
Who is eligible for the Care Super Top-Up Health Insurance Plan?
The Care Super Top-Up Health Insurance Plan is available for adults aged 18 and above. Children between 5 and 24 years old can also be covered. In the family floater option, adults must be 18 years or older, and children can be insured from 1 day to 24 years, with at least one member being 18 years or above.
Is there a co-payment in the Care Super Top-Up Health Insurance Plan?
Yes, if you enroll at the age of 61 or more, there’s a co-payment of 20% on the claim amount. You cover 20%, and the insurer takes care of the rest.
Can I get Care Super Top-Up for my family?
With Care Health Top-Up’s family floater plan, you can cover your life partner, children, and parents all under one policy for comprehensive family protection.
What are the plan options for Care Super Top-Up Health Insurance?
We have two options for you – Enhance 1 and Enhance 2. Enhance 1 offers coverage up to Rs 30 lakh, while Enhance 2 goes up to Rs 55 lakh. You can choose the one that fits your current health plan’s deductible limit.
Can I opt for cashless hospitalization with Care Super Top-Up?
With Care Super Top-Up, you can experience the convenience of cashless hospitalization. Benefit from easy, stress-free transactions at over 15,000+ network hospitals.
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