Care Joy Maternity Health Insurance

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

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.

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.

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.

The maternity waiting period is 9 months in the Joy Today Plan of Religare.

The maternity waiting period is 24 months in the Joy Tomorrow Plan of Religare.

There is no age limit to exit from Religare’s Joy Plan.