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Supreme Enhance- Super Top-up Plan with Enhanced Coverage

Supreme Enhance is a super top-up health insurance plan with several coverage benefits. It offers a one-time deductible option rather than per-claim deductibles, which makes it a super-top-up plan.

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A Super Top-up to Boost Your Existing Health Coverage

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Enhanced Coverage at an Affordable Premium

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What is Supreme Enhance?

Supreme Enhance is a top-up health insurance plan that comes into effect once you exhaust a set deductible limit. Based on your top-up plan's choice, the deductible limit may range between 5 Lakh to 15 Lakh.

The medical inflation rate in India is projected to increase by up to 8% year over year between 2024 and 2032. With this rise in healthcare costs in the country, the need for comprehensive health coverage that ensures coverage in unprecedented medical emergencies arises. Here comes Supreme Enhance into play.

Simply put, by topping up your existing health insurance plan with Supreme Enhance and serving the deductible limit, you can avail of comprehensive coverage that ensures you are covered end-to-end for unforeseen medical emergencies.

Plan Highlights of Supreme Enhance

  • A wide range of sum insured options is available, viz., 45L, 85L, 90L, 93L, and 95L.
  • You may avail of Unlimited Automatic Recharge for related and/or unrelated persons/diseases.
  • Get a 10% increase in the SI as a reward upon renewal every year, a maximum of up to 100%. 
  • Advanced technology treatment is covered up to the Sum Insured.
  • Avail of tax advantages under Section 80D of the Income Tax Act of India, 1961.

Cover Highlights

Annual Health Check-up

Advanced Technology Treatment

Annual Health Check-up

Domiciliary hospitalisation

Day Care Treatment

Day Care Treatment

Organ Donor

Organ Donor

Organ Donor

Unlimited Automatic Recharge

Features of Supreme Enhance

See all Sum Insured Options east

KEY FEATURES (Plan-A) (Plan-B)
Deductible & Sum Insured Options

5L Deductible; 45L or 95L SI

7L Deductible; 93L SI

10L Deductible; 90L SI

15L Deducible; 85 L SI
In-Patient Care
info Inpatient care requires the insured member to stay at a hospital for 24 hours or more.
Up to SI Up to SI
Day Care Treatment
info Daycare treatments do not require a mandatory stay of 24 hours at a hospital. For example, Dialysis is a daycare procedure.
All Day Care Procedures All Day Care Procedures
Advance Technology Methods
info Advanced technology treatments use robotics and other scientifically advanced methods to treat a certain ailment.
Up to SI Up to SI
Pre-Hospitalisation Medical Expenses
info Coverage of expenses incurred on Doctor Fees, prescribed diagnostics and prescribed pharmacy before hospitalisation.
60 days before hospitalisation 60 days before hospitalisation
Post-Hospitalisation Medical Expenses
info Coverage of expenses incurred on Doctors' fees, prescribed diagnostics, and prescribed pharmacy post-getting discharge from the hospital.
90 days after discharge from the hospital; Maximum up to SI 90 days after discharge from the hospital; Maximum up to SI
Domiciliary Hospitalisation
info Coverage of treatment expenses that required you to start treatment at home under specified circumstances. The treatment at home should continue for at least 3 Days.
Up to SI Up to SI
Organ Donor Cover
info Coverage of expenses incurred on an operation performed on donor to remove the organ.Removed organ should be used for insured member. Pre and Post Hospitalisation expenses incurred on donor not payable. The donor should meet all the requirement as speciefied by GOI.
Up to SI Up to SI
AYUSH Treatment
info Coverage of treatment expenses that require you to stay in the hospital for more than 24 Hours. Expenses covered include Room Rent Charges, ICU Charges, Diagnostics etc. while you are admitted in a hospital.
Up to SI Up to SI
Cumilative Bonus
info For every claim-free year, we raise a cheer by increasing your Sum Insured by 10%, up to a maximum of 100% in 10 consecutive years.
10% of SI per year, max up to 100% of SI.

Note: Remains unaffected from the claims made

 10% of SI per year, max up to 100% of SI.

Note: Remains unaffected from the claims made
Unlimited Automatic Recharge
info If your insured sum gets exhausted, then we credit automatic recharge up to the sum insured unlimited times during the policy year.
Available unlimited times for unrelated or same illness Available unlimited times for unrelated or same illness
Room Eligibility
info By giving you the feasibility of selecting a single private AC room, we ensure your recovery is convenient and worry-free!
Single Private AC Room Single Private AC Room
ICU Charges
info The cost of availing of the Intensive Care Unit is covered under this benefit.
No Sub-limit No Sub-limit
*Please read the policy terms and conditions carefully to verify the benefits and exclusions in detail.
Brochure

Download the Brochure for Care Supreme Enhance Complete Plan Details

Download Care Supreme Enhance complete plan details

Read Through it!
Get Complete Policy Details in the Brochure With Our Expert Assistance!

Add-ons to Cover Your Specific Needs

Air Ambulance Cover

Air Ambulance

Get financial coverage for shifting the insured patient from one hospital to another via air ambulance.
See Details
Unlimited Care

Unlimited Care

Under the Unlimited Care Add-on under Enhance (Plan B), the company indemnifies the expenses of any one claim incurred in the insured member's hospitalisation beyond the sum insured's restrictions.
See Details
×

Air Ambulance

Avail of the Air ambulance add-on with Enhance (Plan B), and get financial coverage up to the sum insured if a doctor prescribes shifting the insured patient from one place to another via an air ambulance.

Unlimited care

×

Suppose an insured member incurs hospitalisation expenses beyond the coverage capacity of his/her current health insurance policy then, under the Unlimited Care Benefit, the insurer will indemnify the claim at most once during the policy's lifetime.

Please note that the insurer may have to continue with the policy for up to five years.(may be removed if not important).

Care Supreme Policy Details

  • Entry Age – Minimum
    • Adult: 18 years; 
    • Child: 5 Years
  • Entry Age – Maximum 
    • Adult: Lifelong; 
    • Child: 24 Years (last birthday)
  • Exit Age
    • Adult: Lifelong; 
    • Child: 25 Years
  • Cover Type
    • Individual: max up to 6 persons; 
    • Floater: max up to 2A4C
  • Who is covered (Relationship with respect to the Proposer having Insurable Interest)
    • Self, Spouse, Son, Daughter, Father, Mother, Mother-in-law, Father-in-law,  Grandfather, Grandmother 
  • Tenure Options
    • 1/2/3 Years
  • Initial Waiting Period 
    • 30 Days 
  • Named Ailment Waiting Period 
    • 24 months
  • Pre-Existing Diseases Waiting Period
    • 36 months
Download Terms & Conditions
  • Any pre-existing ailment/injury that was diagnosed /acquired within 48 months before issuance of the first policy
  • Any diseases contracted during the first 30 days of the policy start date except those arising out of accidents 
  • 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.

STEP 1

Emergency

Intimate within 24 hours of your hospitalization

Planned Hospitalization

Intimate us 48 hours prior to your hospitalization

STEP 2

Cashless

Request for pre-authorization

Reimbursement

Claim from submission

Complete the pre-authorization form available
at the hospitals insurance/TPA Desk and send us through fax.

Approval

Approval letter sent by the claim management team

Query

Hospital/Insured to response to the query raised by the claim management team

Rejected

You may initiate the treatment and file for reimbursement claim

Submission of claim form along with required
documents, as per the policy terms & conditions

Approval

Approval letter sent by the claim management team

Query

Insured to response to the query raised by the claim management team

Rejected

We will communicate the reason in case of rejection

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My appreciation for your prompt service

Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!

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I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.

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Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.

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Really helpful explaining the process in advance

Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.

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Health Insurance

Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.

Awarded As Claims

Best Health Insurance
Company of the Year*

Total Claims Paid

48 Lakh + Claims Settled**

Cashless Claim

24800+
CASHLESS HEALTHCARE PROVIDERS^^

**Number of claims settled as of 30th March 2024     *India Insurance Summit & Awards 2023

Q.How does Top-up work in health insurance?

Top-up health insurance comes into work when your base policy sum insured is completely exhausted, and you pay the deductible amount out of your pocket.

Q.What is the benefit of the Supreme Enhance Health Insurance Plan?

Supreme Enhance is an additional safety net along with your base health insurance policy. It adds an extra layer of protection against medical inflation and rising healthcare costs. So, even if the inflation costs you your base policy sum insured, it can not deplete your financial savings and keeps you covered for emergencies.

Q.What is the deductible amount in the Supreme Enhance plan?

The deductible amount for Supreme Enhance may vary between 5L to 15L based on the sum insured option you choose.

Q.Who all are eligible for coverage under the Supreme Enhance Health Insurance Plan?

The eligibility criteria for the Supreme Enhance Health Insurance Plan is that the minimum entry age for adults should be 18 years and for a child is 5 years. The maximum entry age for adults is lifelong and for a child is 24 years (last birthday).

Q.What are the key features of the Supreme Enhance plan?

The major features of Supreme Enhance plan are In-Patient Care coverage up to SI, all day care procedures, advanced technology treatments, Pre- and -post hospitalisation medical expenses, domiciliary hospitalisation, Organ Donor Cover, AYUSH Treatment, No Claim Bonus, Unlimited Automatic Recharge, Room Eligibility, and ICU charges.

Q.Who all are covered in the Supreme Enhance plan and what is the cover type?

The cover type of Supreme Enhance plan for individuals is max. up to 6 persons and in floater it consists of max. 2 adults and 4 children. The relationship with respect to the proposer having insurable interest should be self, spouse, son, daughter, father, mother, mother-in-law, father-in-law, grandfather, and grandmother.

Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.

~Tax benefit is subject to changes in tax laws. Standard T&C Apply

^^Number of Cashless Healthcare Providers as of 31st March 2024

**Number of Claims Settled as of 31st March 2024

Brochure

Download the Brochure for Care Supreme Enhance Complete Plan Details

Download Care Supreme Enhance complete plan details

Read Through it!
Get Complete Policy Details in the Brochure With Our Expert Assistance!

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