Care Enhance Health Insurance Plan

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

1. The add-on is mandatory for a sum insured is Rs.3 lakh and Rs.4 lakh.
2. 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

Coverage

1. Pre and Post-hospitalization:
2. 30 days before you get admitted to a hospital and 60 days after.
3. Ambulance expenses
4. Organ donor medical expenses
5. Domiciliary hospitalization
6. Single private room
7. Organ donor cover

Benefits

1. 170 daycare treatments, plus hospitalization expenses if it exceeds a day
2. Cashless treatment at over 15000 network hospitals
3. Complimentary comprehensive health check-ups for primary policy holder and adult members every year
4. 30 days pre- and 60 days post-hospitalization expenses
5. No cap on expenses such as for operation theater, doctor/surgeon fees, allied charges, etc.
6. No-claim based premium loading
7. No limit on hospitalization expenses upto sum insured

Exclusions

1. Within 30 days of policy commencement, any / undergoing of surgery / diagnosis of diseases, occurrence of event, whose symptoms first occur
2. Pre-existing injuries or ailments that were diagnosed within 4 years of issuance of the first policy
3. 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
4. Self-inflicted injuries
5. Hospitalization due to war, riot, strike, nuclear weapons
6. Congenital diseases
7. Fertility treatments
8. Sterility treatments
9. IVF
10. Non-allopathic treatments