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Care Joy Maternity Health Insurance

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Care Health Insurance
Care Joy Policy
Claim Settlement Ratio95.47%
COVID-19 CoverYes
In-House Claim Settlement100%
Network Hospitals8,250+
Policies Sold6,91,739
RenewabilityLifelong

About Care Joy Maternity Health Insurance

Care Joy Policy is especially designed to cover maternity and newborn baby expenses, thereby assuring the joy of maternity to the beneficiary. Available with sum insured options of Rs. 3 lakh and Rs. 5 lakh, the policy can be purchased as per your requirement, either on an individual basis, or on a family floater basis. The minimum entry age under this policy for adults is 18 years, for child, it is 1 day, and for newborn it is 1 day. The policy comes with a co-payment option of 20% of the claim amount, if you age 61 years or more.

This medical insurance policy offers several coverage benefits such as in-patient care expenses, pre-natal and post-natal expenses, newborn's expenses from delivery to 90 days, cover for newborn baby defects, etc. Other benefits offered under the policy include free look period, tax benefits under Section 80D of the Income Tax Act, 1961, and lifelong renewability benefits. Also, you get a 30 days grace period from the date of expiry to renew the policy. The policy can be purchased for a longer policy term of 3 years.

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Disclaimer : Actual Premium might vary basis your location, age and number of members
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Key Inclusions and Exclusions of the Plan

What's Included

  • Pre-natal and post-natal expenses
  • Newborn's expenses from delivery to 90 days
  • Cover for newborn baby defects
  • Expenses arising due to daycare treatments
  • In-patient care expenses

What's Not Included

  • Expenses arising due to treatment of congenital disease
  • Expenses due to attributable to alcohol or drug use/abuse/misuse
  • Cost of contact lenses/spectacles, dental treatment, etc.
  • Expenses arising due to AIDS
  • Tests and treatment due to infertility and IVF

6003 Care Cashless Network Hospitals in India

Add-ons to Enhance Benefits

  • No Claim Bonanza

    If you buy an optional cover of No Claim Bonanza, you can avail the 100% increase in sum insured.

Claim Process at Care Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Care Joy Policy Health Insurance Plan

  • What is the minimum and maximum entry age for Care Joy Policy?

    The minimum entry age for adults is 18 years, for children it is 1 day, and newborn babies are 1 day. Whereas the maximum entry age for adults is 65 years, for children it is 24 hours, and newborn babies are 90 days.  

  • What are the waiting periods under Care Joy Policy?

    Care Joy Policy comes with the following waiting periods: 

    • 30 days for any illness except accident
    • Waiting period of 9 months for maternity  
    • Waiting period of 2 years for specific treatments/illnesses
    • 4 years for pre-existing diseases
  • Is there any co-payment under Care Joy Policy?

    If you enrol at the age of 61 years or more, then you will be required to pay 20% of the claim amount under the policy.  

  • What is the cover type under Care Joy Policy?

    Care Joy Policy can be purchased on an individual or family floater basis. 

  • Is maternity cover available under this policy?

    Yes. Care Joy Policy covers you for maternity expenses but only up to 45 years of age. 

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