Care Joy Maternity Health Insurance Plan

You can buy a maternity health insurance plan when you are planning a family or a kid. Under the Care ‘JOY Today’ and ‘JOY Tomorrow’ maternity insurance coverage is provided after a small waiting period of 9 months and 2-years. Care Health insurance for pregnancy covers maternity expenses for the mother and the newborn. The policy also covers children with Down’s syndrome and Cerebral Palsy at the time of birth.

Care Joy is one of the most affordable pregnancy insurance policies in India. Young couples can get insured under this plan to be able to meet hefty hospitalization and delivery expenses. With maternity cover, family planning can become stress-free.

You can buy a Care maternity insurance plan online and get coverage for pre-hospitalization expenses, delivery charges, childbirth-related medical expenses, post-hospitalization expenses, vaccination charges, and any emergencies related to childbirth complications. Maternity cover is helpful for the insured mother and the baby.

Eligibility Criteria:

The eligibility for maternity health insurance is:

Minimum Age: Adult: 18 years or above
Maximum Age: 45 years
Children: 1 Day
Policy term: 3-years

Waiting Periods:

Initial Waiting Period	30 Days	30 Days
Pre-existing Diseases	48 months	48 months
Named ailments	24 months	24 months

Sub-limits:

Room Category	Single Private Room with AC	Single Private Room with AC
Co-pay	20% (for people above the age of 61 years)	(for people above the age of 61 years)
Tenure	3 Years	1 Year / 2 Year / 3 Years

What is covered under the Care Joy Maternity Health Insurance Plan?

Pregnant women are more vulnerable to delivery-related complications and health problems. Whether it is a normal delivery or a C-section, the hospitalization expenses can be huge. Care JOY maternity health insurance is helpful for people who are planning a family. It ensures that the mother and her newborn can get the best healthcare facilities and comprehensive insurance cover. Check out the policy features and coverage benefits as given below:

Maternity/Pregnancy Cover: Pre and postnatal expenses can put financial stress on expecting couples. With the JOY maternity insurance plan the mother and the child can avail the best treatment possible.
Pre & Post Hospitalization Cover- Pre and post-hospitalization expenses at the time of delivery are also covered
Single Private Room with AC- In this maternity insurance plan you can avail of a single private room with AC under the policy coverage
New Born Baby Cover: The pregnancy insurance plan also has a newborn baby cover. It can cover newborn baby’s expenses from the time of delivery to up to 90 days
New Born Baby Defects: The insurance company pays a lump sum amount if the newborn child is diagnosed with Cerebral Palsy or Down's syndrome subjected to terms and conditions.
In-patient care- There can be complications at the time of delivery, but do not worry with this policy you can get complete in-patient care during hospitalization.
Covers Advanced Technology Methods- The policy makes good health accessible and helps you avail sustainable treatment with advanced medical treatment.
Day-care Treatment- The pregnancy cover also includes daycare treatment expense cover

Check out the plan details as given in the table below:

Religare Joy Maternity Plan Details
Plan Name	Joy Today	Joy Tomorrow
Sum Insured ( yearly)	3 Lakh / 5 Lakh	3 Lakh / 5 Lakh
Waiting period	9 months	24 months
Entry Age – Minimum	Adult : 18 years or above Child : 1 Day to 24 years	Adult : 18 years or above Child : 1 Day to 24 years
Entry Age – Maximum	45 years	45 years
Exit Age	Lifelong	Lifelong
Coverage Type	Individual (maximum up to 6 people)	Individual (maximum up to 6 people)
	Floater basis : 2A / 2A1C / 2A2C	Floater basis : 2A / 2A1C / 2A2C
Pre-policy Medical Screening	Applicable to applicants >=46 years	Applicable to applicants >=46 years
Benefits
Hospitalization Expenses
In-Patient Hospitalization	Covered	Covered
Day Care Treatment	Covered	Covered
Pre-Hospitalization Cover	Up to 30 days	Up to 30 days
Post-Hospitalization Cover	Up to 60 days	Up to 60 days
Pre-natal & Post-natal expenses/ Maternity Cover	Upto Rs 35,000 for SI of 3 Lakh SI Upto Rs 50,000 for SI of 5 lakh	Up to Rs 35,000 for SI of 3 Lakh SI up to Rs 50,000 for SI of 5 lakh
Ambulance Cover	Up to Rs 1,000/claim	Up to Rs 1,000/claim
Newborn Baby Cover	Up to Rs 30,000 for 3 Lakh SI up to Rs 50,000 for SI of 5 lakh	Up to Rs 30,000 for SI of 3 Lakh Up to Rs 50,000 for SI of 5 lakh
New Born Birth Defects	N/A	Lump sum – Rs 50,000

What is not covered under Care Maternity Health Insurance?

Care maternity health insurance plan has a list of exclusions. You can read what is not admissible under the Care health plan:

Pre-existing diseases that were diagnosed 48 months before policy issuance
Non-allopathic treatment
Expenses attributable to self-inflicted injuries and suicidal attempt
Expenses arising out of drug abuse/ alcohol misuse
Cost of lenses, spectacles, and dental treatment
Medical expenses incurred on AIDS treatment
Congenital diseases
Infertility related tests and treatment and in-vitro fertilization

How to Buy Maternity Health Insurance Online?

To buy Care health insurance plan on Policybazaar you can follow the steps as given below:

Go to the Policybazaar’s official website
Go to the ‘View Plans’ Option after entering the basic details like your name, phone number, and the gender
Select Care ‘JOY Today’ or ‘JOY Tomorrow’ plan
Enter the required policy details, members to be insured, age of the eldest member, tenure, and contact number
Choose the sum insured/coverage amount
You will get the premium amount and can secure your health in just a few clicks
The policy documents and policy details such as e-card and policy number will be sent to you on your registered email-id

If you are planning a child, and are looking for a health insurance plan that covers maternity expenses within one-year then you can consider the Care Joy health insurance plan. To buy it online you can go to Policybazaar.com or speak to our customer care team at 1800-208-8787 for more details.

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