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What Is Special About Enhance Policy?

Care Health Insurance's Enhance is a Super Top-up health plan. The main aim of the plan is to provide a supplemental Sum Assured coverage at very low premiums thus enhancing the coverage level of individuals. Thus, the plan allows a high level of Sum Assured along with other inbuilt benefits

Features of Care Enhance Health Insurance Policy

Check the features and coverage of Care Enhance Health Insurance plan below:

Day Care Procedures

170 procedures covered

Free Health Check-up

Free annual medical check-up

Organ Donor Expenses

Covered up to Rs. 1000000

Post-hospitalization Expenses

Expenses for 60 days covered

Pre-hospitalization Expenses

Expenses for 30 days covered

Room Rent Limit

Single Private Room

Care Enhance Plan Resources

Policy Brochure

Policy Wordings

Exclusions of Care Enhance Health Insurance Policy

Care Enhance plan does not cover the following:

Ambulance charges

Ayush treatment


Cover restoration

Daily cash allowance

Treatment at home

Other Plans From Care

Care health insurance offers 5 health insurance plans. The sum insured ranges from Rs. 3 Lakh - 75 Lakh. Details of the comprehensive coverage provided by the following 5 Care health insurance plans are listed below:

Calculate Enhance Plan Premium

Use the Care health insurance premium calculator to estimate your health insurance premiums.

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Care Claim Settlement Ratio




Industry Average

Health claim settlement ratio is the percentage of claims settled against the total claims received by the insurance company in a given fiscal year. Care has a claim settlement ratio of 100%, as compared to the industry average of 94.21%.

Care Claim Process

Care supports both cashless claims and reimbursement claims. This section covers the information on how to check Care health insurance claim status, fill Care health insurance claim form, and the claim settlement process.

  1. To locate the nearest cashless network visit https://www.careinsurance.com/health-plan-certified-network-hospitals.html ordownload the Care Health-Customer App by clicking here https://bit.ly/3iI2ZfJ
  2. Contact hospital insurance help-desk or billing counter with a copy of patient’s medical ID card, e-health card, pre-authorization form along with valid Govt. ID proof.You can easily access your e-card anytime, anywhere by downloading the Care Health-Customer App
  3. Submitted documents are shared by the billing counter/TPA desk with us, seeking pre-authorization approval
  4. In case any information is incomplete/missing; we may contact hospital for the same
  5. Pre-authorization decision will be given by us post review as per policy terms and conditions
  6. Post treatment discharge summary and other related documents are submitted by the hospital/TPA to us for final approval
  7. We assess the bills basis the sum insured and plan terms & conditions to settle the bill directly with the hospital

  1. You can register your claim online by scanning & uploading the claim documents at the Care Health Insurance ‘Self-Help Portal’ Link-https://www.careinsurance.com/self-help-portal.html or download the Care Health-Customer App to be able to do the same
  2. As per the product you are insured with, download the re-imbursement claim form & submit online or download the Care Health-Customer App to be able to do the same
  3. Upload a personalized name printed cancelled cheque in name of employee for corporate policy and in name of proposer for individual policy
  4. In event of employee’s/proposer’s demise – cancelled personalized cheque (name printed) of nominee, ID proof of nominee & legal heir certificate
  5. You are requested to scan & upload the following documents received from your hospital. Also submit additional documents, if any.
  • Original discharge summary
  • Original final hospital bill with item wise break-up
  • Original paid receipt against the final hospital bill

For Accidental cases

  • MLC/FIR copy (if applicable)
  • Alcohol history (if applicable)
  • Investigation reports (like X-Ray/MRI/CT Scan etc)
  • Attested copy of indoor case papers
  • In case of implant surgery, invoice & sticker
  • For all claims amounting Rs.1 lakh or above please provide copy of any one of these

KYC documents (Aadhaar Card, Passport, Driving Licence Voter ID, etc). Please ensure
that the address on KYC documents is matching with the Policy address

Care Health Insurance Renewal Process

Renewal Process of Care Health Insurance
Generally, a health insurance policy stays active for 1 year after which it requires renewal. However, there are plans which offer 2 to 3 years of validity at extra costs. If a health insurance policy is not renewed on time, it lapses and the policyholder loses all the accumulated benefits. Most insurers offer a renewal window of 7-30 days beyond the policy tenure called a grace period to renew the plan and to protect the continuity benefits of No Claim Bonus (NCB) and waiting period.

Here, you may also note that for every claim-free year, Care Health insurance policyholders can avail of an NCB of up to 100% on the sum insured. Thus, policyholders who haven’t raised a claim during the previous policy term can expect a reward in the next renewal in the form of a boost in the coverage bandwidth without an increase in the premium price.

The renewal process of a Care Health insurance policy is very simple and can be done easily online by following the below steps:

  1. Go to the official portal of Care Health Insurance Company for Care Health policy renewal
  2. Now, click on the ‘renew’ policy section and submit the mandatory fields like Policy Number, Contact Number, and Date of Birth
  3. Submit the captcha and click on the Care Health ‘Renew’ Policy button
  4. Now make the online payment of the renewal premium
  5. You will receive the documents of your policy renewal on your registered email ID

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