Care Maternity Health Insurance Plan

Care Maternity medical insurance - features

Hospitalization & Day care treatment :
If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours, we pay from room charges to operation theatre charges and more. We also pay for your medical expenses if you undergo even a day care treatment at a hospital that requires hospitalization for less than 24 hours - we cover a comprehensive range of 170 day care treatments, the highest in industry. You will also get cashless treatment at our over 4000+ network hospitals and reimbursement in any other hospital of your choice.

Maternity cover:
We will cover maternity-related expenses incurred with respect to hospitalisation for the delivery of the child. What’s more, we even cover pre and post-natal expenses!

Newborn baby cover:
We will also cover the medical expenses of your dear newborn from birth till the completion of 90 days. After 90 days, your baby would be covered under the regular policy upon payment of additional premium..

Pre and post hospitalization cover:
We cover the medical expenses incurred by you even 30 days before your hospitalization. There may also be follow-up visits to your medical practitioner, medication that is required etc. We cover the related medical expenses incurred by you after your hospitalization also, for a period of 60 days..

Ambulance cover:
It is our utmost concern that you get the medical attention you require as soon as possible, especially in an emergency. We will reimburse you for expenses that you incur on an ambulance service offered by the hospital or any service provider, in an emergency situation.

No claim bonanza (optional cover):
We believe that good health should not only be celebrated but rewarded as well. That's why JOY comes with the No Claim Bonanza feature, wherein, if there are no claims during the policy tenure of 3 years, you receive a bonus of 100% of your sum insured.

Longer Policy Term (3 year policy):
We want to ensure that you consistently stay healthy and happy. That's why we have reduced the hassles by making JOY a 3 year policy. This means you don't have to worry about policy renewal and instead, focus on what's important – your baby.

Tax Benefit:
Our Joy plan also enables you to avail of a tax benefit on the premiums you pay towards your health insurance, as per prevailing tax laws of the Income Tax Act.

Free Look Period:
We have your best interests at heart and at the same time recognize that you know your needs best. Hence, after purchasing the policy, if you find it unsuitable, you can cancel and return the policy to us with no questions asked. Our policies come with a free-look period of 15 days from the date of receipt of Policy.

Exclusions of Care Maternity insurance

1. Any pre-existing ailment/injury that was diagnosed/acquired within 48 months prior to issuance of the first policy
2. Any diseases contracted during first 30 days of the policy start date except those arising out of accidents
3. Non-allopathic treatment.
4. Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
5. Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
6. Cost of spectacles/contant lenses, dental treatment
7. Medical expenses incurred for treatment of AIDS
8. Congenital disease
9. Tests and treatment relating to infertility and in-vitro fertilisation.