Care Enhance Policy

What is the Plan all About?

This plan is a simple, plain high deductible health insurance plan for you and your family. Care-Enhance is a super top up plan which offers additional health cover at an cost effective premium price. Opt for the deductible as per your financial capability along with your desired sum assured to be worry free in case of any hospitalization expenses.

Key Features

Elastic choice of deductible with wide choice of Sum Insured options- upto Rs. 60 lacs (Deductible + Sum Insured)
Annual health check-up for insured members- regardless of claims history
Cashless & direct claim settlement at 4900+ Network Hospitals
Avail medical treatment outside India with Enhance anywhere feature
No pre-policy medical check-up for Health coverage- (Deductible + Sum Insured) less than Rs. 15 lacs, till 45 years of age

Policy Benefits

Inpatient expenses like room rent, doctor’s fees, nursing expenses, etc. are covered upto the sum insured for a minimum hospital stay of 24 hours.
Pre hospitalization expenses are covered for 30 days before hospitalization and post hospitalization expenses covered for 60 days after hospitalization.
170 Day care procedures are covered which require hospitalization for less than 24 hours.
Organ Donor benefit covers the organ donor's medical expenses during transplant surgery. Expenses are covered as per sum insured opted under this plan.

Value Added Benefits

After 4 years of continuous coverage, you have an option to convert your deductible plan to Comprehensive Health Insurance Plan (without any deductible).
Comprehensive health check up every year for all adult insureds covered under the plan.
You can enhance your sum insured under the policy only upon renewal.
The policy can be renewed under the existing Health Insurance plan or its closest substitute approved by IRDAI.
Enhance anywhere feature enabling the insured to get the treatment anywhere in the world for sum insured 40 lacs and above.
Tax benefit under section 80 D of IT Act, 1961.

Sub Limits

Room Rent Limit: Single Prvivate Room rent category is allowed under this plan.
Co pay applies if the insured is more than 60 years of age at the time of enrollment, then co- pay 20% of the claim amount is applied.
No Limit on ICU Charges.

Waiting Period Clause

Initial Waiting Period: Any diseases contracted during first 30 days of the policy start date, except those arising out of accidents.
Specific Waiting Period: Some treatments such as non infective arthritis, joint replacement, hernia, etc. is covered after 24 months of continuous policy years.
Pre existing Disease Waiting Period: Any pre-existing ailment/injury that was diagnosed /acquired within 48 months prior to issuance of the first policy.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	1 Days	No Limit
Sum Assured	1 Lac	30 Lacs
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Year	3 Years
Grace Period	30 Days From The Date Of Expiry To Renew The Policy	-
Free Look Period	15 Days	-
Riders	Expert Opinion, Everyday Care	-