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Care Group Health Insurance
Care Health provides Group Health Insurance, Group Personal Accident Insurance, and Group Travel Insurance. Care Health Insurance has offer…
- 11000+ corporate policies
- 25000+ locations covered
- 92.77% claim ratio
Care Health Insurance
Care Enhance Plan
Care Enhance plan works on the policy deductible principle and offers ...Read More
Up to 1 Cr
Sum insured
1
No. of plans
158+
Pan India presence
97%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,714 reviews
🏥 11,400+ hospitals
📊 1.74 solvency ratio
✅ 97% claim settlement
About Care Enhance Plan
A quick read on what this Care Health Insurance plan covers and why it might be a fit for you.
A top-up plan based on the policy deductible principle
Care Enhance is a super top-up health insurance plan that provides extra health insurance coverage for you and your family. It is an ideal choice for those who already have another mediclaim policy or limited self-financing capacity, as this plan covers expenses over and above existing coverage. Care Enhance plan works on the Policy Deductible principle and offers flexible choices of deductible with a wide range of sum insured options.
How Care Enhance works:
Suppose you have an insurance cover of 4 lakhs, but you think it is insufficient to meet expensive medical treatments due to increasing inflation. In this scenario, you can buy a Care Enhance super top-up plan of 15 lakhs with a deductible of 4 lakhs (i.e., your existing cover). This top-up cover pays for your healthcare expenses up to 15 lakhs if the medical bills exceed 4 lakhs. Understand with an example below:
| Sum Insured | 5 Lakhs | 5 Lakhs | 5 Lakhs |
| Deductible | 1 Lakh | 2 Lakhs | 3 Lakhs |
| Claim Amount | 50K | 2.5 Lakhs | 3 Lakhs |
| Payable Amount | NA | 50K | NA |
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
Day 1 to no age bar
Plan type
Family
Sum insured options
₹10 L, ₹20 L, ₹30 L, ₹40 L, ₹55 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1, 2, 3 years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Covers modern treatment
- Flexible options of deduction
- No pre-policy medical test
- Annual health check-up
- Floater option
Cons
- Change of gender treatments
- Obesity treatment unavailable
- HIV/AIDS not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Care Health Insurance Plan Detailed Review
Know the detailed review of care health insurance plans in Hindi. This video will explain all the available plans and care health insurance offers.
Care Health Insurance Network Hospital List
Care Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- The following diseases or health conditions are not included in this health insurance plan:
- Injuries resulting from a suicide attempt
- Hospitalization due to alcohol and drug abuse
- Cost of spectacles, contact lenses, and dental treatment
- Treatment of AIDS
- Congenital Disease
- Non-allopathic treatment
- Treatments related to infertility and in-vitro fertilization
- Treatment arising due to pregnancy and childbirth, miscarriage, abortion, and its consequences
- Some treatments are covered after a defined waiting period under this plan. To know more, read below:
- Pre-Existing Diseases after 4 years
- Specific ailment after 2 years
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry age: 5 years
- Max entry age: No age limit
- Sum Insured: 1 L to 55 L
- Waiting period: 30 days
Other features & benefits
- High sum insured
- Organ donor expenses
- Expert opinion cover
- Cashless treatment
Care Enhance Plan: FAQs
The 4 most-asked questions about Care Enhance Plan, answered.
A deductible is an amount that policyholders need to pay for their medical expenses before using the top-up sum insured amount.
Super Top-up Policy activates when the medical expenses cross the deductible chosen in the plan.
There is a 4 year waiting period for pre-existing diseases from the date of policy inception.
Yes, you have to bear the 20% of co-pay on your medical expenses if your age is 61 years or above.
Explore Care Health Insurance
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Care Health for Senior Citizens
Claim Settlement Ratio
Care Health Insurance Premium Calculator
Care Health Renewal
Care Health Incurred Claim Ratio
Care Health Cancellation
Free Annual Check-Up
Care Health Policy Download
Diseases Covered by Care Health
Care Health Claim Process
Care Critical Illness Insurance
Care Critical Illness Plan
Customer Care
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Health Insurance Premium Calculator
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Written and reviewed by
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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