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Insurance

Enhance Top-Up Health Insurance

Deductible-based top-up health cover listed by Union Bank, with sum insured options up to ₹55 lakh and cashless treatment features.

Policy typeDeductible-based health top-up insuranceSum insured / coverOptions up to ₹55 lakh; selected deductible and sub-limits applyKey coverageAnnual health check-up, cashless treatment, claim settlement by the insurer and selected treatment worldwide through Enhance Anywhere
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Quick eligibility check

Enhance Top-Up Health Insurance

0 of 8 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Does your age meet this requirement: No pre-policy medical check-up for coverage where deductible plus sum insured is below ₹40 lakh and age is up to 50 years?

Published source: Eligibility

2Do you meet this requirement: other underwriting rules apply?

Published source: Eligibility

3Does your age meet this requirement: The reviewed Enhance catalogue does not publish one universal age band?

Published source: Entry age

4Does your age meet this requirement: age, deductible, sum insured and underwriting determine acceptance?

Published source: Entry age

5Do you meet this requirement: Deductible, sum insured and underwriting determine eligibility?

6Document checkDo you have this required document or proof: Proposal and KYC documents?

Published source: Eligibility

7Document checkDo you have this required document or proof: Medical information where requested?

Published source: Eligibility

8Document checkDo you have this required document or proof: Existing-policy/deductible details?

Published source: Eligibility
0 of 8 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 4 Sept 2026 · active
Offered byUnion Bank of India

India; selected treatment may be available worldwide under Enhance Anywhere

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Policy typeDeductible-based health top-up insuranceView source
Enhance is listed as a top-up style plan with a deductible choice.
Source
Health Insurance — Union Bank of India
Page / section
Enhance
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Sum insured / coverOptions up to ₹55 lakh; selected deductible and sub-limits applyView source
The current page states a wide range of sum-insured options up to ₹55 lakh.
Source
Health Insurance — Union Bank of India
Page / section
Enhance benefits
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
EligibilityNo pre-policy medical check-up for coverage where deductible plus sum insured is below ₹40 lakh and age is up to 50 years; other underwriting rules applyView source
The page publishes the combined-cover and age condition for no pre-policy medical check-up.
Source
Health Insurance — Union Bank of India
Page / section
Enhance eligibility
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Waiting periodNo plan-level waiting-period schedule is published on the reviewed Protect Shield Plus page; policy wording and insurer underwriting control waiting or exclusion conditionsView source
The page publishes benefits, sum assured and policy terms but no waiting-period rule.
Source
Protection Plans — Union Bank of India
Page / section
Protect Shield Plus complete waiting-period review
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Key coverageAnnual health check-up, cashless treatment, claim settlement by the insurer and selected treatment worldwide through Enhance AnywhereView source
The official page lists these coverage and service features.
Source
Health Insurance — Union Bank of India
Page / section
Enhance benefits
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
PremiumNot published as a universal amount; deductible, sum insured, age and selected options determine the quoteView source
No fixed premium schedule is printed on the reviewed catalogue page.
Source
Health Insurance — Union Bank of India
Page / section
Complete Enhance review
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
InsurerCare Health Insurance LimitedView source
Enhance appears in the Care Health Insurance section of Union Bank's catalogue.
Source
Health Insurance — Union Bank of India
Page / section
Enhance partner listing
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Key exclusionsThe reviewed Enhance section lists pre-existing ailment/injury during the first 48 months, illness in the first 30 days except accidents, non-allopathic treatment, self-inflicted injury, alcohol/drug or tobacco use, routine eye/ear and external appliances, childbirth (except ectopic pregnancy), external congenital disease and sterility/infertility treatment; policy wording controls the complete list.View source
The page labels these exclusions non-exhaustive and points to policy terms.
Source
Health Insurance — Union Bank of India
Page / section
Enhance non-exhaustive exclusions
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Entry ageThe reviewed Enhance catalogue does not publish one universal age band; age, deductible, sum insured and underwriting determine acceptanceView source
The page publishes a no-medical-check-up route up to age 50 for combined cover below ₹40 lakh, but not a universal entry-age band.
Source
Health Insurance — Union Bank of India
Page / section
Enhance complete eligibility review
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Policy termNo universal policy-term range is published for Enhance on the reviewed catalogue page; the selected deductible/top-up plan schedule controls durationView source
The current listing publishes cover and underwriting features but no common term range.
Source
Health Insurance — Union Bank of India
Page / section
Enhance complete term review
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Geographic limitsAnnual health check-up, cashless treatment, claim settlement by the insurer and selected treatment worldwide through Enhance AnywhereView source
The manually reviewed product record states: “Annual health check-up, cashless treatment, claim settlement by the insurer and selected treatment worldwide through Enhance Anywhere”.
Source
Enhance Top-Up Health Insurance — official product page
Page / section
Published product metadata
Accessed
4 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Flexible deductible and sum-insured choices up to ₹55 lakh
  • Annual health check-up for adult insured members
  • No pre-policy medical check-up where deductible plus sum insured is below ₹40 lakh and age is up to 50
  • Enhance Anywhere treatment option
  • Cashless treatment and insurer claim settlement

Eligibility

  • Deductible, sum insured and underwriting determine eligibility; the catalogue does not publish a single universal age band.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Proposal and documents
  • Medical information where requested
  • Existing-policy/deductible details

Related official documents

Health Insurance — Union Bank of Indiaofficial-product-page · current · accessed 4 Sept 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Life-cover needs estimate

See whether your current cover and savings may leave a gap for your family. This does not calculate an insurance premium.

Possible cover gap₹1,15,00,000one crore fifteen lakh rupees
Income your family may need₹1,00,00,000one crore rupees
Cover and savings already counted₹5,00,000five lakh rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Care · TypeHealth

This value is copied from Union Bank health and travel insurance plans — published terms. Check the table notes before relying on it.

Source: Health Insurance — Union Bank of India · Care, Care Advantage, Enhance, Explore and Student Explore sections Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 5 rows · 6 columnsUnion Bank health and travel insurance plans — published termsTerms transcribed from the current Union Bank catalogue and linked Care/Explore brochures.View tableHide table

Scroll sideways to view every column

Union Bank health and travel insurance plans — published terms
PlanTypePublished coverAge/eligibilityWaiting or durationPublished benefits
CareHealth₹5 lakh–₹75 lakh optionsIndividual 5 years; floater 91 days with adult member30 days illness; 24 months named; 48 months pre-existingMaternity up to ₹1 lakh on selected covers; 540+ day-care; recharge; up to 150%
Care AdvantageHealthUp to ₹6 croreIndividual 5 years; floater 91 days with adult member30 days illness; 24 months named; 48 months pre-existingNo room-rent cap; recharge; road ambulance; organ donor; e-consultation
EnhanceHealth top-upUp to ₹55 lakh plus deductibleNo-check-up route below ₹40 lakh combined cover up to age 5030 days illness; 48 months pre-existingCashless treatment; annual check-up; Enhance Anywhere
ExploreInternational travelPlan-specific medical and travel limitsTraveller, destination and selected planMulti-trip 15/21/30/45/60/90 days; single trip up to 365 daysMedical evacuation; trip cancellation; baggage/passport; Schengen options
Student ExploreStudent travelPlan-specificInternational students and university requirements1 month to 3 yearsMedical/travel/non-medical covers; laptop loss; sponsor protection; bail bond
  • Premiums and complete limits are quote/policy dependent; insurer wording controls exclusions and claim conditions.
Health Insurance — Union Bank of India · Care, Care Advantage, Enhance, Explore and Student Explore sections · accessed 4 Sept 2026Open official source ↗

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