Care Joy Maternity Health Insurance Plan

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      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.

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      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


        Room Category

      Single Private Room with AC

      Single Private Room with AC


      20% (for people above the age of 61 years)

      (for people above the age of 61 years)


      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



      Coverage Type

      (maximum up to 6 people)

      (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


       Hospitalization Expenses

       In-Patient Hospitalization



       Day Care Treatment



      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


      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


      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


      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 or speak to our customer care team at 1800-208-8787 for more details.

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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