Care Joy Maternity Health Insurance
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Cashless Approval TAT | 2 hr Cashless Claim Processing |
Claim Settlement Ratio | 95.22% |
Network Hospitals | 21,100+ |
Pre-existing Disease Coverage From | Day 1 |
Special Benefits | No Extra Premium for Disease Coverage |
Starting Premium for Rs. 5 lakhs coverage | Rs. 546/month |
About Care Joy Maternity Health Insurance
Joy Plan by Care Health Insurance (Religare) is a maternity-oriented medical insurance plan, which has two variants, viz., Joy Today and Joy Tomorrow. This plan covers maternity expenses within a low waiting period and extends coverage for a newborn baby and other health plan covers. It also allows family floater coverage so that the whole family can be covered.
Joy plan offers in-patient care, daycare treatment, pre-hospitalization, and medical expenses for up to 30 days, and post-hospitalisation for up to 60 days along with ambulance cover and maternity cover. All in all, it’s a comprehensive health cover, designed to focus on maternity benefits.
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Key Inclusions and Exclusions of the Plan
What's Included
- Religare Joy Plan also covers ambulance charges up to Rs. 1,000 per claim
- Pre-hospitalisation medical expenses up to 30 days are covered
- Post-hospitalisation medical costs up to 60 days are covered
- In-patient care expenses such as room rent, boarding and nursing expenses, etc. up to the Sum Insured
- This policy also covers day-care treatment like Cataract, Sinusitis, Piles, Dialysis, etc.
What's Not Included
- Congenital diseases, insanity, weight control, cosmetic surgery, etc.
- Any disease occurred during first 30-days of the policy purchased, except those occurred due to accidents
- Non-allopathic or the treatment due to alcohol or drug use/misuse
- Medical expenses incurred for treatment of HIV or AIDS related diseases are not covered
- Any pre-existing injury diagnosed within 48 months before the issuance of the first policy
Joy Plan Details
Features/Plan | Joy (3 Lakh) | Joy (5 Lakh) |
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Room Rent | Single private AC room | Single private AC room |
ICU Charges | Actual | Actual |
Pre and Post Hospitalization | 30 & 60 days | 30 & 60 days |
6003 Care Cashless Network Hospitals in India
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Major Attractions
Coverage under the plan consists of both inbuilt as well as optional coverage features. The following coverage benefits are available under the plan –
- Pre hospitalisation and post hospitalisation expenses
- Single private AC room under inpatient coverage
- Coverage for day care treatments which do not required hospitalisation for 24 hours
- Ambulance cover is provided up to Rs.1000
- Maternity cover along with pre and post-natal expenses. The extent of coverage depends on the sum insured opted by the policyholder
- Newborn baby is also covered under the plan up to a specified limit which depends on the sum insured chosen
- Under Joy Tomorrow variant a lump sum amount of Rs.50,000 is paid in case the newborn baby suffers from any defects
- The waiting period for maternity coverage is very low. It is only 9 months in Joy Today and 24 months in Joy Tomorro
- There is an optional coverage benefit of No Claim Bonanza. If this add-on is selected, the sum insured is doubled after three consecutive claim-free policy years
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What’s More?
If the coverage benefits are not enough, the plan also offers the following benefits –
- Renewability of the plan is allowed lifelong which means that there is no coverage ceasing age
- The premiums paid under the plan qualify for tax deduction under Section 80D up to a maximum of Rs.25,000
- Joy Today is available for a period of 3 years while Joy Tomorrow can be taken for 1,2 or 3 years
- A discount of 7.5% is allowed on the premium if a two-year policy term is chosen. This discount increases to 10% in the case of three year term.
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Conclusion
Religare’s Joy is suitable for families planning a child in the near future. The plan combines hospitalisation cover with maternity cover and helps individuals meet the expensive maternity related costs easily. The maternity waiting period is the lowest ensuring coverage from an earlier date.
You can buy the plan online through InsuranceDekho’s website which helps you in selecting the best coverage depending on your needs. The online purchasing process is simple and allows you coverage instantly. So, visit InsuranceDekho and buy the plan easily for your coverage needs.
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Claim Process at Care Health Insurance
FAQs on Joy Health Insurance Plan
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What is the maximum entry age for Joy Today and Joy Tomorrow Plans of Religare?
The maximum age of entry for both the plans is 65 years for adults, 24 years for a child and 90 days for a newborn.
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What is the maternity waiting period in Joy Today Plan of Religare?
The maternity waiting period is 9 months in the Joy Today Plan of Religare.
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What is the maternity waiting period on Joy Tomorrow Plan of Religare?
The maternity waiting period is 24 months in the Joy Tomorrow Plan of Religare.
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What is the exit age for Religare’s Joy policy?
There is no age limit to exit from Religare’s Joy Plan.