All About Care’s Joy Health Insurance Policy

Care Joy Health Insurance Plan (previously referred to as Religare Joy Health Insurance Plan) by Care Health Insurance Company is a plan specifically designed to offer maternity cover. It provides coverage for maternity costs within a lesser waiting period and offers coverage for the mother and infant along with various other health care covers. The plan also comes on a family floater basis providing coverage for the entire family.

It comes in two variants, namely:

• Joy Today
• Joy Tomorrow

On the whole, it is a comprehensive cover, which is designed to focus on maternity benefits.

Features of Care Joy Plan

The features of Care Joy Plan by Care Health Insurance Company are mentioned below:

Insurance Coverage Offered Under Care Joy Health Insurance Plan

Care Joy plan provides the following coverages:

• In-patient Hospitalisation Expenses: Medical expenses such as room rent charges, doctor’s fees, operation theatre expenses, ICU charges, etc incurred at the time of hospitalization for more than 24 hours.
• Pre-hospitalisation Expenses: Medical costs incurred 30 days before the insured gets admitted to the hospital.
• Post-hospitalisation Expenses: Medical expenses occurring for 60 days after the insured gets discharged from the hospital.
• Day Care Procedures: Expenses incurred from listed 170 day care treatments at the network hospitals.
• Ambulance Charges: These include expenses incurred by the insured from transportation to hospitals in case of emergencies. It is allowed up to Rs 1000 per claim.
• Pre-existing Diseases: Expenses allowed for pre-existing illness but after a waiting period of 4 years.
• Maternity Expenses: These expenses include delivery cost, prenatal expenses, postnatal expenses for an individual up to age 45 years.
• Newborn Baby Expenses: Expenses covered for 90 days from the birth date.

What is Excluded from the Care Joy Health Insurance Plan?

The key exclusions from Care Joy Plan are as follows:

• Treatment expenses incurred from AIDS, HIV, and other sexually transmitted diseases (STDs).
• Treatment costs arising out of OPD and non-allopathic treatment.
• Operation or treatment happened outside India.
• Treatment expenses incurred due to injuries from war, capture, chemical release, enemy attack, criminal activities, arrest, radioactivity, etc.
• Expenses incurred from cosmetic or plastic surgery.
• Attempt to suicide or indulging in self destructive activities such as alcohol abuse, smoking, hallucinogenic substance, etc.
• Treatment expenses due to anomalies, psychological disorders, mental illness, congenital defects.

Benefits of Care Joy Health Insurance Plan

The benefits of Care Joy Plan are mentioned below:

• Cashless Facility: By showing the health card given by the Care Health Insurance company, the insured can avail cashless treatment at any of the network hospitals.
• Free Look Period: A period of 15 days will be provided to the policyholder after purchasing the Care Joy plan in order to assess the terms and conditions of the plan. In case the policyholder is not content with the policy, then they can cancel the policy and get the refund after a reduction of medical test charges and stamp duty.
• Tax Benefit: Tax deduction benefits can be availed of by the individual for paying premiums for the health insurance plan.
• Lifelong Renewability: Option to renew the policy for as long as one wishes irrespective of the health condition and age of the policyholder.
• No Claim Benefit: No claim benefit on the sum insured will be provided by the insurer to the policyholder if no claim is made for continuously 3 years of the plan.

Also Read

All About Royal Sundaram Surgical Shield Health Insurance Plan

All About United India Individual Health Insurance Policy

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.