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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.

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