Care Enhance Health Insurance Plan

Care Enhance is a super top-up health insurance plan provided by Care Insurance, an insurer with a claim settlement ratio of 92.3%. With more than 23 lakh claims settled, more than 15,000 cashless healthcare providers in their network, and cashless claim processing in approximately 2 hours, the health insurance plans by the company provide the best features and benefits with affordable premiums.

Features & Benefits of Care Enhance:

The features and benefits of Care Enhance are as follows:

Entry Age 5 years to 75 years
Basis Individual / Family floater health insurance
Policy Period One/ Two or Three Years
Renewability Lifelong
Sum Assured Starting from Rs. 1 lakh to Rs. 10 lakh
NCB Super Add-on
  • The add-on is mandatory for a sum insured is Rs.3 lakh and Rs.4 lakh.
  • Upto the age of 45 years, the add-on is mandatory for a sum insured is Rs.5 lakh.
Premium Starting from Rs. 2,610 for 1 lakh sum assured for 25-35 year old male
Discount 10% discount on 3 year policy term and 7.5% Discount on 2 year policy terms.
Co-Payments Co-payment applicable if the person is more than 61 yrs at the time of 1st buy of a policy less than Rs. 3 lakh.
Variants Enhance has the following variants: Variant 1: Sum insured from Rs. 1 lakh to 25 lakh Deductible: Existing sum assured or up to Rs. 1-5 lakh Variant 2: Sum insured from Rs. 6 lakh to 30 lakh Deductible: Existing sum assured or up to Rs. 6-10 lakh
  • Pre and Post-hospitalization:
  • 30 days before you get admitted to a hospital and 60 days after.
  • Ambulance expenses
  • Organ donor medical expenses
  • Domiciliary hospitalization
  • Single private room
  • Organ donor cover
  • 170 daycare treatments, plus hospitalization expenses if it exceeds a day
  • Cashless treatment at over 15000 network hospitals
  • Complimentary comprehensive health check-ups for primary policy holder and adult members every year
  • 30 days pre- and 60 days post-hospitalization expenses
  • No cap on expenses such as for operation theater, doctor/surgeon fees, allied charges, etc.
  • No-claim based premium loading
  • No limit on hospitalization expenses upto sum insured
  • Within 30 days of policy commencement, any / undergoing of surgery / diagnosis of diseases, occurrence of event, whose symptoms first occur
  • Pre-existing injuries or ailments that were diagnosed within 4 years of issuance of the first policy
  • Drug or alcohol use/misuse/abuse rehab therapy Treatment of AIDS and HIV Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
  • Self-inflicted injuries
  • Hospitalization due to war, riot, strike, nuclear weapons
  • Congenital diseases
  • Fertility treatments
  • Sterility treatments
  • IVF
  • Non-allopathic treatments


  1. Is a medical checkup required before taking the Care Enhance Health insurance plan?
  2. Yes, a medical checkup will have to be taken to be eligible for the plan. If the policy is taken for anywhere from two to three years, the cost of the medical checkup will be borne by the insurer. If the policy was chosen for one year and the proposal has been accepted by the insurer, 50% of the medical checkup cost will be borne by the insurer. If, however, the policy proposal is rejected or the policy is canceled, the cost of the medical checkup will be deducted from the refundable premium.

  3. Is there tax deduction for premiums paid on Care Enhance Health Insurance plan?
  4. Yes, you will get tax benefit on the premiums that are paid towards the policy. This is applicable under the Income Tax Act, 1961.

  5. What is the maximum age of entry for the Care Enhance Health Insurance plan?
  6. There is no maximum age of entry for this insurance policy.

Find cashless network hospitals nearby: Care Cashless Network Hospitals

Other Health Insurance Plans from Care Health Insurance:

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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