Starting your journey of parenthood can be an exhilarating experience. However, you need to carefully plan health insurance selection to ensure a smooth transition. Care Joy presents a comprehensive solution with its Maternity Health Insurance Plan, catering to the needs of aspiring parents in India. Care Joy Maternity Health Insurance plan offers coverage that becomes active after a modest waiting period. The coverage encompasses maternity expenses for both mother and the newborn. It further goes the extra mile to include conditions such as the Down’s syndrome and Cerebral Palsy at the time of birth.
Care Joy Maternity Health Insurance plan is accessible through online channels. It offers coverage for a spectrum of expenses, including pre-hospitalization, delivery charges, childbirth-related medical costs, and more. Secure your family’s future with Care Joy – where joy meets assurance.
Let’s find out more about the benefits and features of Care Joy Maternity Health Insurance plan in this complete guide.
Key Features of Care Joy Maternity Health Insurance Plan Variants
Care Joy Maternity Plan offers two distinct options, Joy Today and Joy Tomorrow, with varying waiting periods and sum insured amounts. With coverage available for individuals and on a floater basis, this plan caters to diverse family structures. For more information, refer to the table given below:
| Parameters | Joy Today | Joy Tomorrow |
| Sum Insured (Yearly) | 3 or 5 Lakh | 3 or 5 Lakh |
| Waiting Period | 9 months | 24 months |
| Entry Age – Minimum | Adult: 18 years or above
Child: 1 Day to 24 years |
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| Entry Age – Maximum | 45 years | |
| Exit Age | Lifelong | |
| Coverage Type | Individual (maximum up to 6 people)
Floater basis: 2A / 2A1C / 2A2C |
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| Pre-policy Medical Screening | Applicable for those aged >=46 years | |
** A = Adult, Children
What are the Benefits of Car Joy Maternity Plan?
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Hospitalization Expenses
In-Patient hospitalization is fully covered under both Joy Today and Joy Tomorrow options.
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Day Care Treatment
The coverage doesn’t just stop at basic healthcare but extends to daycare treatment, providing you with all-encompassing support for your diverse medical needs.
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Pre-Hospitalization Cover
The policy covers pre-hospitalization expenses of up to 30 days, providing financial assistance leading up to the hospital stay.
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Post-Hospitalization Cover
Post-hospitalization expenses, for up to 60 days, are included in the coverage, offering a buffer for recovery and follow-up care.
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Pre-natal & Post-natal Expenses Cover
You can get maternity cover with a cap of up to Rs 35,000 for a Sum Insured (SI) of 3 Lakh and up to Rs 50,000 for SI of 5 Lakh, encompassing pre-natal and post-natal expenses.
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Newborn Baby Cover
The policy even covers the tiniest members of your family. Newborns receive special attention, with benefits extending up to Rs 30,000 for a Sum Insured of 3 Lakh and up to Rs 50,000 for a Sum Insured of 5 Lakh.
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New Born Birth Defects
With the Joy Tomorrow option, you get a special provision for newborns facing birth defects. A lump sum amount of Rs 50,000 is provided for your baby’s well-being, ensuring you can focus on creating joyful moments from day one.
What are the Common Inclusions of Care Joy Maternity Health Insurance Plan?
- Maternity/Pregnancy coverage for both pre and postnatal expenses to ensure optimal healthcare for both the mother and the child
- Inclusive coverage for pre and post-hospitalization expenses related to delivery, alleviating financial concerns during this crucial period
- Single private room with AC to allow you to enhance the overall hospital experience for the insured
- Extensive coverage for newborn baby expenses from the moment of delivery up to 90 days
- In-patient care to ensure your comfort and well-being during hospitalization
- Day-care treatment to enjoy inclusive coverage for all your day-care treatment expenses
What are the Common Exclusions of Care Joy Maternity Health Insurance Plan?
- Conditions diagnosed 48 months before policy issuance
- Expenses related to non-allopathic treatments
- Self-inflicted injuries and suicidal attempt
- Costs associated with drug abuse or alcohol misuse
- Cost of lenses, spectacles, and dental treatment
- Medical expenses associated with AIDS treatment
- Infertility-related tests/treatment, and In-vitro Fertilization (IVF)
Understanding these inclusions and exclusions can help you make informed decisions regarding maternity health coverage.
What is the Eligibility Criteria for Care Maternity Health Insurance?
To avail of the benefits of this health insurance plan, you must fulfill the following eligibility criteria:
- Minimum Age: 18 years or above
- Maximum Age: 45 years
- Children: Newborns are eligible for coverage
- Policy Term: 1, 2, and 3 years
- Initial waiting periods: 30 days
- Waiting period for pre-existing diseases: 48 months
- Waiting period for named ailments: 24 months
- Sub-limits: Single Private Room with AC in the room category and a co-pay requirement of 20% for individuals above the age of 61 years
How to Purchase Care Joy Maternity Health Insurance Plan Online?
Follow these steps to buy this policy online:
- Access the official Care Health Insurance website to initiate the process or visit an insurance aggregator platform.
- View plan options and provide essential details such as your name, phone number, and gender.
- Select Care ‘JOY Today’ or ‘JOY Tomorrow’ Plan – select the one that aligns with your maternity health insurance needs – ‘JOY Today’ or ‘JOY Tomorrow’.
- Input necessary policy details, including the individuals to be insured, the age of the eldest member, tenure, and contact number.
- Select the sum insured or coverage amount that suits your requirements.
- Pay the premium amount and proceed to secure your health coverage.
- Upon completion, the policy documents, e-card, and policy number will be sent to your registered email-id.
FAQs
Is Care Joy Maternity Health Insurance suitable for young couples planning a family?
Yes, Care Joy Maternity Health Insurance is ideal for young couples preparing for parenthood. It offers comprehensive coverage for maternity expenses, including pre and postnatal care, delivery charges, and newborn baby cover. Affordable premiums eases the financial burden associated with hospitalization and childbirth.
What is the waiting period for maternity coverage under Care Joy Maternity Health Insurance?
The waiting period for maternity coverage under Care Joy Maternity Health Insurance is 9 months for ‘JOY Today’ and 2 years for ‘JOY Tomorrow’.
Are pre-existing conditions covered under Care Joy Maternity Health Insurance?
Pre-existing conditions diagnosed 48 months before policy issuance are not covered under Care Joy Maternity Health Insurance. However, the policy covers a wide range of maternity-related expenses, ensuring comprehensive coverage for expecting mothers and newborns.
Can I purchase Care Joy Maternity Health Insurance online?
Yes, you can conveniently purchase Care Joy Maternity Health Insurance online through the official website. Simply provide your basic details, select the desired plan, enter policy information, choose the sum insured, and complete the purchase process with a few clicks.
What are the coverage limits for newborn baby expenses under Care Joy Maternity Health Insurance?
Care Joy Maternity Health Insurance offers coverage for newborn baby expenses up to Rs 30,000 for a Sum Insured (SI) of 3 Lakh and up to Rs 50,000 for SI of 5 Lakh. This coverage includes medical expenses incurred from the time of delivery up to a specified duration after birth, ensuring comprehensive support for newborn care.