Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin

Care Joy Maternity Health Insurance

25 reviews Rate This
Care Health Insurance
Claim Settlement Ratio95.22%
COVID-19 CoverYes
In-House Claim Settlement100%
Incurred Claim Ratio55%
Network Hospitals8,250+
Policies Sold6,91,739

About Care Joy Maternity Health Insurance

Joy Plan by Care Health Insurance (Religare) is a maternity-oriented medical insurance plan, which has two variants, viz., Joy Today and Joy Tomorrow. This plan covers maternity expenses within a low waiting period and extends coverage for a newborn baby and other health plan covers. It also allows family floater coverage so that the whole family can be covered.

Joy plan offers in-patient care, daycare treatment, pre-hospitalization, and medical expenses for up to 30 days, and post-hospitalisation for up to 60 days along with ambulance cover and maternity cover. All in all, it’s a comprehensive health cover, designed to focus on maternity benefits.

Health Insurance Calculator

Whom do you want the insurance for ?


Select the age of all members

  • You

Where do you live ?

Choose required Coverage for yourself?

2 Lac
3 Lac
5 Lac
10 Lac
25 Lac
Disclaimer : Actual Premium might vary basis your location, age and number of members
Need help?

Get FREE Personalized Insurance Advice At Your Home

Key Inclusions and Exclusions of the Plan

What's Included

  • Religare Joy Plan also covers ambulance charges up to Rs. 1,000 per claim
  • Pre-hospitalisation medical expenses up to 30 days are covered
  • Post-hospitalisation medical costs up to 60 days are covered
  • In-patient care expenses such as room rent, boarding and nursing expenses, etc. up to the Sum Insured
  • This policy also covers day-care treatment like Cataract, Sinusitis, Piles, Dialysis, etc.

What's Not Included

  • Congenital diseases, insanity, weight control, cosmetic surgery, etc.
  • Any disease occurred during first 30-days of the policy purchased, except those occurred due to accidents
  • Non-allopathic or the treatment due to alcohol or drug use/misuse
  • Medical expenses incurred for treatment of HIV or AIDS related diseases are not covered
  • Any pre-existing injury diagnosed within 48 months before the issuance of the first policy

Joy Plan Details

Features/PlanJoy (3 Lakh)Joy (5 Lakh)
Room Rent
Single private AC room
Single private AC room
ICU Charges
Pre and Post Hospitalization
30 & 60 days
30 & 60 days
Day Care Procedure
Free Health Checkup
Yes to all members
Yes to all members
Ambulance Cover
Up to Rs. 1000 per claim
Up to Rs. 1000 per claim
20% co-pay after age 60
20% co-pay after age 60
Initial Waiting Period
30 days
30 days
Specific Illness Waiting Period
2 years
2 years
Waiting Period of PED
4 years
4 years
Additional Features
No claim bonanza
No claim bonanza
Maternity Cover
Up to Rs. 35000 per claim
Up to Rs. 50000 per claim
Special Feature
Newborn cover up to Rs. 30000
Newborn cover up to Rs. 50000
View All Up Arrow
Get custom premium quotes for you :Get Premium Quotes

1716 Care Cashless Network Hospitals in India

Choose Care Health Insurance (Religare) Critical Illness Plan

Joy User Reviews

Write your review
What users are saying
  • All
  • I am a policyholder of Care Health Insurance’s Joy plan. The maternity benefits that come along with this plan...

    Read More
    By Suparna Biswas
    On: Feb 23, 2021
  • InsuranceDekho has simplified health insurance policy documentation for me. I was looking for a maternity orie...

    Read More
    By Souroshree Paul
    On: Jan 07, 2021
  • I was looking for a suitable maternity health plan for my spouse. I came to InsuranceDekho and found some grea...

    Read More
    By Paritosh Maitra
    On: Dec 30, 2020
  • I am a holder of Care Health Insurance’s Joy plan for my spouse. I bought it with the help of InsuranceDekho. ...

    Read More
    By Abhik Ghosh
    On: Dec 07, 2020
  • This is the most joyful plan I have ever had. I took it while planning a baby. I easily passed the maternity p...

    Read More
    By Meera Deshmukh
    On: Feb 28, 2020

Add-ons to Enhance Benefits

  • No Claim Bonanza

    There is a bonus of 100% of sum assured if there are no claims during the policy tenure of 3 years.

Care Joy Expert Review

  • Expert Review

    Religare Joy is a maternity oriented health insurance plan which aims to provide coverage for maternity-related expenses along with other basic hospitalisation costs. The plan is ideal for individuals as well as families who are looking to plan a baby. Besides maternity coverage, the plan also covers all the basic costs incurred in case of a medical emergency.

    The plan comes in two variants of Joy Today and Joy Tomorrow and the sum insured in both the variants is allowed for Rs.3 Lakh or Rs.5 Lakh, whichever the policyholder chooses to avail. The plan can be taken on an individual or family floater basis. Under the family floater basis, a maximum of four members could be covered in a combination of two adults and two dependent children. Individuals aged between 18 years and 45 years can buy the policy while children can be covered from day 1 to up to 24 years.

  • Major Attractions

    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
  • What’s More?

    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.
  • Conclusion

    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.

Care Joy Brochure

  • 1.70 MB
  • PDF Document

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 Joy Health Insurance Plan

  • What is the minimum entry age for Joy Plan of Religare?

    The minimum age of entry for Joy plans is 18 years for an adult and 1 day for a child/newborn.

  • What is the maximum entry age for Joy Today and Joy Tomorrow Plans of Religare?

    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.

  • What is the maternity waiting period in Joy Today Plan of Religare?

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

  • What is the maternity waiting period on Joy Tomorrow Plan of Religare?

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

  • What is the exit age for Religare’s Joy policy?

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

View More Questions

Health Insurance Articles

  • Latest Articles
  • Popular Articles