Top Up Health Insurance

Think Health Insurance and a hundred questions pop up in your mind. First among them is, how much insurance cover do I need? While some feel capable enough to self-finance their healthcare treatment if and when the need arises; others feel satisfied with their existing insurance cover. But what if the illness is way too critical and expenses tower beyond what you ever imagined or could afford? Considering the growing medical inflation, you sure don’t want that extra burden turning your world upside down.

This is why, at Religare Health Insurance, we have designed Enhance - a high deductible Super Top Up health insurance for you and your family. With Enhance, you have that extra safety net of insurance coverage which works on the principle of policy deductible. Simply choose your comfort level in terms of the deductible you can manage (either by self-financing or any other insurance) along with your desired Sum Insured and stay worry-free when it comes to you and your family’s current and future healthcare needs.

How Top-up Health Insurance Works?

Enhance-Top Up Health Insurance works on the simple principle of Policy Deductible, which is the predefined amount that you will bear, through your own finances or any other insurance, during a medical event. Any amount over and above policy deductible will be borne by us. Simply put, if you opt for an Rs. 6 lac Sum Insured with deductible of Rs. 2 lac, then 2 lac will be borne by you and 6 lac over and above the deductible of 2 lac will be borne by us during the policy period.

Highlights of Top-Up Health Insurance - Enhance

  • In-patient Care

  • Organ donor cover

  • Day Care Treatment

  • Floater Option

  • Pre & Post Hospitalization

  • Longer Policy Term

  • Enhance Anywhere

  • Tax Benefit

  • Expert Opinion (Add-on Benefit)

Coverage under Enhance Top-Up Health Insurance

Hospitalization charges

If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours, the following is covered - room charges, nursing expenses, and intensive care unit charges to surgeon’s fee, doctor’s fee, anesthesia, blood, oxygen, operation theatre charges, etc.

Pre Hospitalization

Medical expenses like examination, tests, medication, etc. incurred before hospitalization are covered under this super top-up plan.

Post Hospitalization

Medical expenses incurred on follow-up visits, consultations, therapy, medication, etc. after your hospitalization are covered under this super top-up plan.

Health check-up

To pre-empt you ever having to visit a hospital, we provide an annual health check-up for yourself and adult members of your family covered under this top-up health insurance plan.

Organ Donor Coverage

Medical expenses that are incurred by an organ donor while undergoing organ transplant surgery are covered under this top-up plan.

Unique features of Enhance Top Up Health Insurance

One policy. Covers entire family.

Under the ‘floater plan’, you can cover any member of your immediate family (yourself, spouse and children or parents) for the sum insured in a single policy.

Longer Policy Term

To make the process of renewing your health insurance more convenient, you can choose a policy with tenure between one to three years.

Post Hospitalization

Medical expenses incurred on follow-up visits, consultations, therapy, medication, etc. after your hospitalization are covered under this super top-up plan.

Cashless Hospitalization

With cashless hospitalization, you no longer need to run around paying off hospital bills and then following up for reimbursement. All you now need to do is get admitted to any of our network hospitals and concentrate only on your recovery. Relieve yourself from the worry of arranging for the funds. Leave the bill payment arrangements to us.

Direct Insurance Claim Filing

Either in the case of an emergency or a planned hospitalization, all you have to do is present the Religare Health Card at our network of more than 7400+ leading hospitals pan India and avail cashless service. In case of reimbursement of expenses when you use a non-network hospital, all you need to do is notify us immediately about the claim. Call us directly, send us the specified documents and we’ll process your claim.

Review your decision

After purchasing the policy, if you find it unsuitable, you can cancel and return the policy to us. Our policies come with a free-look period of 15 days from the date of receipt of the policy.

Benefits of Enhance Top-Up Insurance

  • Flexible choice of deductible with a wide range of Sum insured options max up to 55 lakhs*

  • Annual health check-up for adult insured members – regardless of claim history

  • No pre-policy medical check-up for insurance coverage – (Deductible + Sum Insured) less than 40 lacs, till 50 years of age

  • Avail select medical treatment anywhere in the world with Enhance Anywhere feature

  • Hassle-free cashless treatment at leading network hospitals, across the country

  • Direct Insurance Claim settlement