Care Health Insurance Limited
Care Enhance
Care Health HIGH DEDUCTIBLE Super Top-Up plan
UIN RHIHLIP25048V012425We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹55 lakh
Claim settlement (CSR)
99%
PED waiting
36 months
Specific disease wait
24 months
Mandatory co-pay
0%
Room rent prop. ded.
No
Pre / post hosp.
30 / 60 days
Network hospitals
22,000+
Free look
15 days
What this plan does well
- SUPER TOP-UP indemnity — Annual aggregate deductible — DEALBREAKER ADVANTAGE over per-claim Top-Up
- Flexible deductible up to ₹20 Lakhs — customer choice
- Sum Insured up to ₹55 Lakhs
- Enhance Anywhere — international medical treatment — DEALBREAKER UNIQUE
- NO pre-policy medical for (Deductible + SI) <₹40L, age ≤50 — DEALBREAKER
- Annual health check-up regardless of claim — DEALBREAKER ADVANTAGE
- Single floater plan covers entire family
- 8000+ network hospitals
Watch out for
- DEDUCTIBLE before benefits payable — primary policy must exhaust deductible first (DEALBREAKER for first-rupee buyers)
- 20% senior co-pay (61+) — DEALBREAKER NEGATIVE
- Pre/Post 30/60 (vs ManipalCigna ProHealth 60/180)
- Maternity excluded
- No restoration in base
- No CB visible (verify Schedule)
- Free Look 15 days (vs Niva Bupa 30 days)
- Expert Opinion only as add-on (additional premium)
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.