Care Health Insurance Top-up & Super Top-up Plans

A top-up plan is a good supplement to your primary health cover. It provides you with additional coverage and can be bought only when you have an existing individual health insurance plan or a mediclaim from your employer. For example, suppose you have a regular health insurance plan with the sum insured of Rs. 3 Lakh. But, Rs. 3 Lakh may not be enough to meet the soaring medical costs. So, you may want to enhance the sum insured by another Rs. 3 Lakh.

In that case, buying another insurance plan may cost you a huge premium. This is where a top-up plan comes in handy. A super top-up plan can help you increase the sum insured by another Rs. 3 Lakh without paying too much. It gives you a deductible option to increase the cover of your existing insurance plan.

Care Enhance Top Up

Enhance is a top-up insurance product of Care. It lets you have enhanced coverage and greater protection. It’s a suitable plan for anyone who is looking out for increased health cover at a lower premium.

Key Benefits of Enhance Top Up

Care Enhance provides coverage for unforeseen hospitalisation expenses on an individual or floater basis. It comes with pre & post-hospitalisation coverage, organ donor cover, in-patient treatment, free annual health check-up, etc. The sum insured under this plan ranges from Rs. 1 Lakh to Rs. 30 Lakh. And the Deductible (or existing Policy Sum Insured) starts from Rs. Rs. 1 Lakh to Rs. 10 Lakh. Key highlights of Enhance Top Up:

• Lifetime renewal
• No room rent limit
• No limit on doctor’s fee
• Annual health check-up
• No limit on ICU charges

Who can buy this plan?

Anyone can buy Care Enhance top-up plan. Minimum entry age to buy it is 1 day. There is no bar on maximum age.

Waiting period under the plan

The waiting period for pre-existing diseases is four years, and for any illness except an injury is 30 days.

Renewability of the plan

Care offers you the lifelong renewability facility.

Exclusions under the plan

• Congenital disease
• Non-allopathic treatment
• Expenses for dental treatment
• Treatment related to infertility
• Cost of spectacles, contact lenses
• Self-inflicted injury due to attempted suicide

To dig out more about the Care Enhance Top-up plan, refer to the policy wording or call us at 1800 1205 698.

Care critical health insurance comes with certain features. Key features of the plan are as follows:

• Portability option
• Cashless treatment
• Lifelong renewability
• Easy installment options
• The hassle-free in-house claim process

Care critical illness health insurance provide much needed financial respite when diagnosed with defined critical illnesses. The plans offer a comprehensive medical solution and ensure stability and lifelong commitment to your well-being.