Care Enhance Super Top Up

Product Overview

Care Enhance Super Top up Plan is an affordable option of upgrading your policy. A super top-up Policy takes into consideration the sum total of all the bills in a year and not just the single instance during a claim and its is an inpatient hospitalization policy, admission as an inpatient for a minimum period of 24hrs is required.

Unique Features - Care Enhance Super Top Up

• Life Time Renewal
• Annual Health Check up
• No Room rent Limit

Critical Features - Care Enhance Super Top Up

• Room Rent:
  Limits imposed towards room and ICU rent expenses
  Single Private Room in Enhance 1 and Single private room with upgraded features in Enhance 2
• Co-Pay:
  Specific % of admissible claim amount to be borne by Insured
  This plan has 20% co-payment if entry age is 60 or above
• No Claim Bonus:
  This plan does not have no claim bonus benefits.
• Pre-Existing Diseases:
  Means any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer
  This plan has a waiting period of 4 years is case of pre-existing diseases

Eligibility Criteria

• Minimum Age of Entry:- Children-5 year to 24 years/Adults-18 years
• Maximum age of Entry:- No limit
• Renewal Age:- Life Long Renewal
• Policy Tenure:- 1, 2 & 3 years
• Premium Calculated on Basis of:- Age, (i.e. sum Insured Choosen)

Add-ons

• Everyday Care
• Expert Opinion

Additional Discounts

• Family Discount of 5 % for 2,3 members and if 4 or above 10 %.
• Discount for multi-year polices-7.5 % discount for opting 2yr policy tenure and 10 % discount for opting 3 yr.
• Group Discount of 5 % for 15 to 100 members, 10 % for 101 to 600 members, 15 % for 601 to 2000 and 20 % for 2001 and above.

Waiting Period

• Covered from Day 1:
  Accidental Injuries.
• Covered after 30 Days:
  All incidences apart from specified surgeries, Permanent exclusion & Pre-existing diseases (if any)
• Covered after 2 Year:
  Arthritis (If Non Infective), Osteoarthritis, Osteoporosis, Gout, Rheumatism & Spinal, Disorders, Joint Replacement Surgery, Benign Ear, Nose & Throat (ENT) Disorders And Surgeries (Including But Not Limited To Adenoidectomy, Mastoidectomy, Tonsillectomy & Tympanoplasty), Nasal Septum Deviation, Sinusitis & Related Disorders. Benign Prostatic Hypertrophy Cataract Dilation & Curettage Fissure Fistula In Anus, Hemorrhoids/Piles, Pilonidal Sinus, Gastric & Duodenal Ulcers Surgery Of Genitourinary System Unless Necessitated By Malignancy All Types Of Hernia & Hydrocele Hysterectomy For Menorrhagia Or Fibromyoma Or Prolapse Of Uterus Unless necessitated By Malignancy Internal Tumors, Skin Tumors, Cysts, Nodules, Polyps Including Breast Lumps (Each Of Any Kind) Unless Malignant Kidney Stone/Ureteric Stone/Lithotripsy/Gall Bladder Stone Myomectomy For Fibroids Varicose Veins And Varicose Ulcers.

Exclusions

• Non-allopathic treatment
• Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
• Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
• Cost of spectacles/contact lenses, dental treatment
• Medical expenses incurred for treatment of AIDS
• Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences.
• Congenital disease
• Tests and treatment relating to infertility and in vitro fertilisation
• War or any act of war, invasion and act of terrorism

Tax Benefits

• You can claim tax deduction benefit u/s 80D as per IT Act 1961 for premium paid towards this policy.
• Self, Spouse, Childrens- Up to Rs 20,000/-
• Parents-Up to Rs 25,000/-
• Parents (Senior Citizens)-Up to Rs 30,000/-

Claim Process

Insurer has to be intimated 48 hrs before hospitalization in a planned event and within 24 hrs in case of an emergency hospitalization. For reimbursement claims the final claim documents have to reach the insurers office within 30 days of discharge from the hospital.

Claims Intimate at toll free-1800-200-4488

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