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Care Health Insurance for Maternity

Religare Joy is a maternity-based health insurance product. It covers expenses incurred during hospitalisation due to pregnancy. Apart from Maternity and newborn coverage, this maternity health insurance policy also comes with several features & services that let you have many advantages at the most critical of times. Joy is available in two variants: Joy Today and Joy tomorrow. It covers expenses related to maternity with a low waiting period. The coverage under the maternity insurance plan extends to the expenses related to a newborn baby and other health plan covers.

Key Features of Maternity Care Health Insurance Plan

  • 9-month in Joy Today for maternity cover
  • The 24-month waiting period in Joy Tomorrow for maternity cover
  • An optional No Claim Bonanza feature
  • Cashless treatment in all network hospitals in India
  • Direct claim settlement
  • Long-term policy tenure of 3 years
  • 100% increase of Sum Insured with no claim bonanza

Scope of Coverage Under Maternity Care Health Insurance Plan

  • 30 days pre-hospitalisation
  • 60 days post hospitalisation
  • Ambulance charges coverage
  • Inpatient for at least 24 hours hoslitalisation
  • Daycare treatments for less than 25 hours hospitalisation
  • Cover for a newborn baby
  • Maternity cover including pre and post-natal expenses

Maternity Health Insurance Plans Eligibility

  • The minimum age to enter Religare Joy policy for adults is 18 years, for a child 1 day. The maximum age for a child is 24 years, for a newborn baby 90 days and for adults is 65 years.

Exclusions Under Maternity Insurance Plans

  • Congenital disease
  • Expenses due to intentional self-injury
  • Any injury caused by nuclear weapons or materials
  • Medical expenses for the treatment of AIDS
  • Injury or diseases arising due to the use of drugs, tobacco chewing, alcohol, smoking, etc.

For complete details, we request you to kindly refer to the policy wording. Or give a call to our helpline 1800-1205-698.

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FAQ About Care Health Insurance

  • What is the waiting period for availing the maternity benefits?

    The waiting period to avail the maternity benefits ranges from 9 months to 24 months.

  • Is coverage for vaccinations offered under maternity benefits?

    No, coverage for vaccinations is not available under maternity plans.

  • Are non-allopathic treatments covered under Care Health Insurance maternity plan?

    No, alternative or non-allopathic treatments are not covered. 

  • Is newborn baby also covered under the plans?

     Yes, Care Health Insurance offers coverage for newborn baby up to Rs. 30,000 for Rs. 3 Lakh Sum Insured and up to Rs. 50,000 for Rs. 5 Lakh Sum Insured.

  • What type of room is covered under the maternity plan by Care Health Insurance?

    Single private room with AC is provided under the maternity plan coverage.

Network Hospital in Popular Cities

CityNo of Hospital
Bengaluru225
Kolkata93
Jaipur65
Gurgaon53
Indore34
Ghaziabad32
Lucknow49
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