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Care Health Insurance Top Up Plans
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Care health insurance top up plans come in the clutch if you have exhausted your base health insurance coverage and are looking to have financial support in case something goes wrong. These plans work on the deductible principle, which means you have to spend a certain amount for the coverage to kick in. Care health top-up policies increase your coverage at affordable pricing. These plans come with different sum insured options and cover you against in-patient hospitalisation, pre and post-hospitalisation, organ donor expenses, etc.
Let’s check the details of the top up policy of Care Health Insurance.
Care Health Insurance Top Up Plan Highlights
Once you decide to top up Care health insurance, you and your family members are covered against unexpected hospitalisation if your base health coverage is exhausted. It offers you in-patient hospitalisation, pre and post-hospitalisation expenses cover, as well as value-added benefits like health checkups. Here are the plan highlights:
- The plan provides a lifelong renewability feature.
- The waiting term for pre-existing diseases is 30 days.
- 20% co-payment is applicable if the entry age is above 60 years
- Annual healthcare check-up is covered
- Affordable premium rates
- Comprehensive coverage
Types of Care Health Top Up Plans
Care offers super top-up health insurance coverage - Enhance plan. Here are the details of the Care Enhance Top-Up Policy.
1. Care Enhance 1 Top-Up Policy
|Individual / Family Floater
|INR 1-30 Lakh
|INR 1-10 lakh
2. Care Enhance 2 Top-Up Policy
|Individual / Family Floater
|INR 30-55 Lakh
|INR 5-20 Lakh
Care Health Top Up Plans: Key Benefits & Benefits
Here is the list of advantages provided by Care Health Top Up policies:
1. Peace of Mind
Almost everyone finds the idea of having emergency coverage repugnant. However, finding the correct health insurance policies is not always simple. One of your base plans may expire over time, leaving you without protection. That is why it is critical to investigate some of the current health insurance plans in the marketplace. It is worth considering the Care Enhance Top-Up insurance, which provides an additional sum insured cover of up INR 55 lakh in case your basic policy is entirely depleted!
2. Prompt Customer Service
As a customer, you look for an easy claim settlement process, and you'd like it to be done quickly. You don't need to waste time sending emails, calling, and awaiting while your health insurance claim is still not resolved. Care health insurance recognises that a medical insurance policy can only be reasonable if clients receive excellent care. But it's not only about the insurance policy's financial status or options; it's also regarding the firm's customer service strategy. You can contact Care health insurance by texting ‘Hi’ on WhatsApp to 8860402452.
3. Tax Breaks
Section 80D of the Income Tax Act provides tax breaks up to INR 50 thousand to senior citizen policyholders on their health insurance premium payments. The same is set to INR 25 thousand for policyholders who are under the age of 60 years. Both scenarios include an INR 5 thousand tax discount for preventive healthcare.
4. Huge Network of Medical Facilities
To have peace of mind that you will receive great treatment with no out-of-pocket payments, you must have a vast network of connected hospitals. Care health operates over 8000 healthcare facilities around the country to provide cashless treatments to insured patients.
Inclusions of the Care Health Insurance Top Up Policy
Here is a list of Care health insurance top up policy coverages:
- In-patient hospitalisation
- Pre-hospitalisation (30 days)
- Post-hospitalisation (60 days)
- Annual health check-ups
- Organ donor expenses
- Free-look term (15 days)
Exclusions of the Care Health Insurance Top Up Policy
Here is a list of Care health insurance top up policy exclusions:
- Pre-existing illnesses diagnosed within 48 months of policy acquisition
- Diseases within an initial 30-day waiting term
- Diseases within their specified waiting periods
- Alternative treatment
- Self-inflicted injury or illness
- Injury or illness due to intoxication
- Routine eye, ear, dental tests
- Artificial teeth and similar external tools
- Childbirth expenses (excluding ectopic pregnancy)
- Infertility and sterility treatment and tests
- External congenital diseases
Here is a list of Care health insurance top up policy eligibility criterion:
|Individual, Family Floater
18 years for adults in individual coverage
5 years for children in individual coverage
18 years for adults in family floater coverage
1 day for children in family floater coverage
|24 years for children
Things to Consider When Buying Care Health Insurance Top Up Plans
Here is a list of pointers to keep in mind when shopping for Care health insurance top-up plans.
1. Network Hospitals
You need to have a large network of partnered hospitals to gain the peace of mind that you will receive quality treatment with no out-of-pocket expenses. Care health has 19000+ partnered healthcare facilities across India where the insured can seek cashless treatment.
2. Deductible Amount
This is the sum of money that the policyholder needs to spend for the super top-up plan of Care Health to kick in. So, the lower the amount, the better it is. However, it needs to be understood that plans with a high sum insured usually provide a high deductible amount. The deductible amount for Care health insurance top up plans is INR 1 lakh to 10 lakh for Enhance 1 variant and INR 5 lakhs to 20 lakhs for Enhance 2 variant.
3. Sum Insured
This is the coverage you will receive if you purchase the top-up plan. So, the higher the amount, the better coverage you get. Again, the premium amount increases with the sum insured. Therefore, plans with a higher sum insured are more expensive. The sum insured amount for Care health top up plans is INR 1 lakh to 30 lakhs for Enhance 1 variant and INR 30 lakhs to 55 lakhs for Enhance 2 variant.
How to Buy Care Health Insurance Top Up Policy?
To purchase Care health insurance top up policy, visit the Care Health Insurance official website. Now when you are on the homepage, you need to click on ‘health insurance’ from the page-top menu. A drop-down of all available health insurance policies will appear. From there, you need to click on ‘Enhance’. On the product page, you can generate a quotation for the plan by inputting your mobile number and pin code and clicking on ‘get quote’. A representative from Care health insurance will get in touch with you and guide you through the purchase procedure.
Care Health Insurance Top Up Plans FAQs
1. My doctor advised me to have AYUSH Treatment. Does Care Enhance Top-Up policy cover the same?
No. The Care Enhance Top-Up policy does not cover any alternative treatment.
2. What is the age requirement of the Care Enhance Top-Up policy?
Care Enhance Top-Up policy needs the applicant to be at least 18 years old to be eligible for coverage. Dependent children need to be at least five years old to be eligible for individual coverage. Family floater plans cover dependent children from Day 1.
3. What is the sum insured amount for the Care Enhance Top-Up policy?
Care Enhance Top-Up policy provides a sum insured amount of INR 1 lakh to 30 lakhs for Enhance 1 variant and INR 30 lakhs to 55 lakhs for Enhance 2 variant.
4. How long is the waiting term for the Care Enhance Top-Up policy?
Apart from the initial 30-day waiting term, the Care Enhance Top-Up policy waiting term for pre-existing illnesses is four years.
5. What is the free-look period of the Care Enhance Top-Up policy?
Free-look period allows you to review your health insurance policy and choose to terminate it without any penalties. Make sure to indicate a valid reason for policy termination. Care Enhance Top-Up policy offers a 15-day free-look period.
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