Care Super Top-up Health Insurance Plan

Care Enhance is a super top-up health insurance policy that offers medical coverage when the claim amount in your existing health plan crosses the deductible limit in the Super-top up plan. Once the deductible is paid, the policy becomes active. The policy is designed to give a boost to the policyholder’s base sum insured to bear the cost of any huge medical treatment requiring more than the existing coverage amount.

Care Enhance super top-up health plan gives you the higher sum insured options up to Rs 55 lakh. For example, if you buy a Care super top-up health plan of Rs 10 lakh and the deductible is Rs 1 lakh, and the hospital bill comes out to be Rs 7 lakh then the insurance company will pay off the amount over and above Rs 1 lakh i.e. Rs 6 lakh.

Care Enhance Super Top-up Eligibility Criteria

Criteria	Specifications
Minimum Entry age	Adult: 18 years Child: 1 day (floater) Individual: 5 years
Maximum Entry Age	Adult: No age limit Children: 24 years
Deductible in Enhance 1	Rs 1 lakh- Rs 10 lakh
Deductible in Enhance 1	Rs 5 lakh- Rs 20 lakh
Renewability	Lifelong
Waiting period for Pre-Existing Diseases	48 months

Key Features of Care Super Top-up Health Insurance Plans

Check out the features and benefits of this Super top-up plan as given below:

The policy coverage amount ranges from Rs 1 lakh to Rs 30 lakh in the Care Enhance 1 variant and up to Rs 55 lakh in the Care Enhance 2 variant
20% co-payment is applicable for insured members above the age of 61 years
There are two policy options to choose from Enhance 1 and Enhance 2
The coverage in this super-top up health plan is provided on both an individual and family floater basis
Care health claim settlement ratio is 95.2% that makes it one of the most reliable options
Care health super top up policy is renewable for the lifetime

Inclusions of Care Super Top-up Health Insurance Plans

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 expense cover up to the sum insured
Add-on coverage option for medical expert opinion

For more detailed list of the policy inclusions you can check out the Care Health Super top-up plan brochure online. Care health super top-up premium chart table is also given in the policy brochure.

Exclusions of Care Super Top-up Health Insurance Plans

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

To know more about this plan you can write to us at care@policybazaar.com or call us at 1800-708-8787.

FAQs

Q1. Who can buy Care Super top-up health insurance plan?

The policy can be purchased by an adult who is 18 years and above. Children within the age group of 5 years to 24years can also be insured. In the family floater option the age limit for adults is 18 years and above and for children it is 1 day to 24 years with at least one member of age 18 years or above.
Q2. Is there any co-payment under the Care Super top-up health insurance plan?

If the applicants enroll at the age of 61 years or more, they will have to pay a co-payment i.e. 20% of the claim amount. The insurer will pay the rest.
Q3. Can I buy Care Super top-up health insurance plan for my family?

Care health top-up insurance floater-plan enables the policyholder to cover his immediate family members such as a life partner, children, and parents under a single policy.
Q4. What the plan options under Care Super top-up health insurance?

There are two variants under Care Super top-up health insurance plan- Enhance 1 and Enhance 2. The sum insured limit under Enhance 1 is Rs 30 lakh and under Enhance 2 is Rs 55 lakh. You can choose one as per the deductible limit of your current health plan.
Q5. Can I avail of cashless hospitalization benefit under the Care Super top-up health insurance plan?

Yes, you can avail of cashless hospitalization benefits in more than 15550 network hospitals under Care Super top-up health insurance plan.