Care Joy Maternity Insurance Plan
Care Joy Plan is a maternity health insurance plan offered by Care Health Insurance Limited that empowers you to embrace motherhood with confidence and financial security. It provides coverage for expectant mothers and newborn babies. The Care Joy Plan comes at an affordable premium that eases couples' financial worries about delivery-related expenses and encourages them to start their families at the right time.
Specifications for Care Joy Health Insurance Plan
Below is the Specifications for the Care Joy Health Plan:
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Entry Age
Adult: 18 years to 65 years, New Born: 1 day to 90 days, Child: 1 day to 24 years
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Renewability
Lifelong
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Policy Type
Individual and Family Floater
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Plan Variant
Joy Today and Joy Tomorrow
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Sum Insured
INR 3 Lakh to INR 5 LakhL
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Policy Term
1, 2, 3 Years
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Initial Waiting Period
30 Days
Eligibility to buy Care Joy Maternity Health Insurance Plan
Below is the eligibility of the Care Joy Health Insurance policy:
- Care Joy Today (Individual)
- Care Joy Tomorrow (Individual)
- Care Joy Today (Family Floater)
- Care Joy Tomorrow (Family Floater)
Entry Age: 18 years to 65 years
Entry Age: 18 years to 65 years
Entry Age: 1 day to 65 years
Entry Age: 1 day to 65 years
Policy Term: 1,2,3 Years
Policy Term: 1,2,3 Years
Policy Term: 1,2,3 Years
Policy Term: 1,2,3 Years
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Coverage Benefits Offered Under Care Joy Maternity Insurance Plan
Care Joy Health Insurance Policy offers comprehensive coverage to protect the expecting mother and newborn on an individual and family floater basis. Here are the significant coverage benefits provided by the policy:
- Care Joy Today (3L / 5L)
- Care Joy Tomorrow (3L / 5L)
New Baby Cover
Covered up to INR 30K
Covered up to INR 50K
Room Rent
Single Private AC Room
Pre-Hospitalization
Covered up to 30 Days
Post-Hospitalization
Covered up to 60 Days
Daycare Treatments
540 Daycare Treatments Covered
No Claim Bonus
Available
Ambulance Cover
Covered up to INR 1K
Co-Payment
20% for every claim
Care Joy Health Insurance Policy Exclusion
Below is the list of diseases and conditions that the Care Joy Maternity Health Insurance Plan does not cover:
- Obesity / Weight Control
- Change-of-Gender treatments
- Cosmetic or plastic Surgery
- Hazardous or Adventure sports
- Breach of law
- Intentional self-injury
- Refractive Error
- Inoculation or Vaccination
- Unproven Treatments
- Sterility and Infertility
- IVF Treatment
- Circumcision
- Congenital External Conditions / Defects / Anomalies
- Injury/disease caused by or arising from or attributable to war, invasion, the act of a foreign enemy, warlike operations
- Treatment for drug, alcoholism, or substance abuse or any addictive condition
Coverage After Waiting Period
Below is the list of benefits that are covered after a certain waiting period:
- Listed Ailments: 24 months
- Pre-existing Diseases: 48 months
- Initial Waiting Period: 30 Days
- Maternity Coverage: 9 Months
Care Joy Maternity Health Insurance Policy Additional Benefits
Care Joy Health Policy offers additional benefits to enhance policyholders' overall protection and convenience. These additional benefits include:
No Claim Bonanza
Care Joy Plan not only provides health coverage but also celebrates your good health. Care Joy Plan provides you 100% of the sum insured amount if there is no claim within the policy tenure of three years.
Pre-Policy Medical Checkup
You will have to undergo pre-medical tests as per the below-mentioned age in the table:
| Age/Sum Insured | INR 3L | INR 5L |
|---|---|---|
| Age up to 45 Years | Not Applicable | Not Applicable |
| 46 Years to 55 Years | Yes | Yes |
| 56 Years and above | Yes | Yes |
Explore More About Care Health Insurance Policy
Check the below section to learn more about the Care Health Insurance buying process, care health insurance claim settlement process, care health insurance renewal process.
