Overview
The Care Supreme Enhance Super Top-up plan is designed to provide additional financial protection by topping up your existing health insurance cover with a sum insured ranging from ₹20 lakhs to ₹1 crore. it activates once the deductible threshold (5L to 15L) is paid off in a year, either by a base plan or out of pocket. The plan features unlimited automatic restoration of the sum insured and a cumulative loyalty bonus, which is quite a rare feature in super top-ups. It also includes a mandatory add-on that removes room rent restrictions.
Experts Review
Written by Nikhil Nair
Senior Writer
The Care Supreme Super Enhance Top-up plan is an attractive option for individuals seeking to significantly boost their base health cover with high sum insured options between ₹20 lakhs and ₹1 crore. Its unlimited automatic restoration feature ensures that the sum insured is replenished multiple times within the policy year, providing continuous protection against multiple hospitalizations, even in case of partial exhaustion of cover and for the same as well as different illnesses. The cumulative loyalty bonus of 10% per claim-free year, up to 100%, rewards policyholders for maintaining good health without claims.
A standout feature is the mandatory add-on that lifts all room rent restrictions, allowing insured members to choose any room category without incurring additional costs—a benefit not commonly available in super top-up plans.
On the downside, the plan requires you to exhaust a relatively high deductible (₹5 lakh to ₹15 lakh) before coverage kicks in, which might not suit everyone. Premiums are generally competitive and may be slightly expensive with some other STUs out there but with features like unlimited restoration and bonus and no room rent limits, it is worth it.
Pros
Feature set is satisfactory.
Great pick if you're looking for something affordable.
Insurer has a solid track record with great claim and service metrics.
Cons
Your insurer doesn’t provide free health check-ups, which is a notable gap.
Maternity benefits not offered, which could be a drawback for some.
Doctor consultations are not covered, which is a key feature.
Care
Key Insights
Founded
2012
Care was established 13 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
90% claims settled in 30 Days
Care settles 90% of all claims it receives. This is reasonable performance, though there is room for improvement compared to top insurers.
Network Hospitals
11,400+
Care has a strong network with over 11,400 hospitals, ensuring wide accessibility and convenience for policyholders.
Complaints
36 complaints per 10,000 claims registered
Care has a relatively high volume of complaints, which may point to ongoing issues in customer service or claim handling.
Features
All
Great
Good
Co-payment
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
Room Rent
Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.
Customisable
Change Single Private Room to Any Room.
Disease sub-limit
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Pre existing diseases waiting
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
Pre/Post hospitalization
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 90 days after discharge. This includes the cost of medication by the way.
Add-ons
Room Rent Modifier
Mandatory
Change Single Private Room to Any Room.
Air Ambulance
With this add-on, the insurance company will provide coverage for Air Ambulance up to the Sum Insured.
Unlimited Care
With add-on, insurer provides unlimited coverage for a single claim, but it can only be used once during the entire policy lifetime, regardless of the coverage amount.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
Impairment of an Insured Person's intellectual faculties by abuse of stimulants or depressants unless prescribed by a medical practitioner.
Hormone replacement therapy
Mental retardness
Expenses related to any kind of RMO charges, Service charge, Surcharge, night charges levied by the hospital under whatever head.
Remicade, Avastin, or similar injectable treatment, which is undergone other than as a part of In-Patient Care Hospitalisation or Day Care Hospitalisation, is excluded.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy for 2 years.
Arthritis (if non-infective), including:
Osteoarthritis
Osteoporosis
Gout
Rheumatism
Waiting Period
30 days Initial waiting period
2 years Specific illness waiting period
3 years Pre-existing disease waiting period
Ditto's Take
◦ Standard ◦
After a close look at the waiting periods, it’s safe to say they are fairly standard.
What's missing in the policy
Your insurer doesn’t provide free health check-ups.
Maternity benefits not offered.
Doctor consultations are not covered.
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Frequently Asked Questions
Does Supreme Enhance Super Top-up have waiting periods?
- 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
- Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
- Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
Does Supreme Enhance Super Top-up have room rent restrictions?
Does Supreme Enhance Super Top-up offer a restoration benefit?
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