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 ₹55 lakh. For example, if you have a ₹10 lakh super top-up plan with a ₹1 lakh deductible, and your hospital bill is ₹7 lakh, the insurance will pay ₹6 lakh after you cover the first ₹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:
- Two plan options: You can choose between Enhance 1 and Enhance 2.
- Lifetime renewal: You can renew the policy for life without any restrictions.
- Coverage amount: Up to ₹30 lakh in Enhance 1 and up to ₹55 lakh in Enhance 2.
- Co-payment: If you are 61 years or older, you will need to pay 20% of the claim amount.
- Covers individuals and families: Available for both single persons and families.
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
1Inclusions
Care Super Top-up is one of the most popular Care Health Insurance plans that offers medical coverage for the following expenses:
- In-patient care up to the sum insured
- 540 daycare procedures are covered
- Pre and post hospitalization expenses for 30 days and 60 days respectively
- ICU charges and doctor’s fees with no sub-limits
- Enhance Anywhere benefit
- Organ donor expenses cover up to the sum insured
- Add-on coverage option for medical expert opinion
2Exclusions
Care Super Top-up Health Insurance plan does not cover the following expenses:
- Pre-existing diseases diagnosed within 48 months of the policy issuance
- Non-allopathic treatments
- Self-inflicted injuries and suicidal attempts
- Overdose of tobacco, intoxicating drugs, and alcohol-related medical conditions
- Cost of the daily eye and ear examinations, dentures, artificial teeth, etc.
- Childbirth complications and ectopic pregnancies
- Treatment for external congenital diseases such as Down syndrome
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 ₹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.
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