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Religare Maternity Health Insurance Plan

Religare health insurance has designed 'JOY' - that not only covers hospitalization expenses during pregnancy but also addresses your maternity and health needs.

Unique features of Religare insurance

  • New born baby cover.
  • 100% increase of sum insured with no claim bonanza.
  • Maternity expenses covered after a waiting period of nine months.
  • Premium is for three years tenure.
  • Policy can be bought for single women also.
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Joy maternity insurance plan

  • Highlights
  • Benefit Table
  • Exclusions
  • Policy terms

Highlights of JOY Maternity Insurance Plan

  • Hospitalization & Day care treatment
  • Maternity cover
  • Newborn baby cover
  • Pre and post hospitalization cover
  • Ambulance cover
  • No claim bonanza (optional cover)
  • Single private room with AC
  • Longer Policy Term (3 year policy)
  • Get Tax Benefit
  • Free Look Period

Plan benefits of JOY Maternity Insurance Plan

Plan name Joy Today Joy Tomorrow
Sum Insured - On annual basis Rs. 3 Lakhs / Rs. 5 Lakhs Rs. 3 Lakhs / Rs. 5 Lakhs
Maternity wait period 9 months 24 months
Entry Age – Minimum Adult : 18 years or above
Child : 1 Day to 24 years
Adult : 18 years or above
Child : 1 Day to 24 years
Entry Age – Maximum 45 years 45 years
Exit Age Lifelong Lifelong
Cover Type Individual
(maximum up to 6 Persons)
Individual
(maximum up to 6 Persons)
Floater Floater : 2A / 2A1C / 2A2C Floater : 2A / 2A1C / 2A2C
Pre-policy Issuance Medical Check up Applicable on Insured Person with age 46 years or above Applicable on Insured Person with age 46 years or above
Hospitalisation Expenses Yes, up to Sum Insured Yes, up to Sum Insured
Day Care Treatment Yes Yes
Pre-Hospitalisation Up to 30 days Up to 30 days
Post-Hospitalisation Up to 60 days Up to 60 days
Ambulance Cover Up to Rs. 1,000 per Claim Up to Rs. 1,000 per Claim
Maternity Cover (including Pre-natal & Post-Natal expenses) Up to Rs. 35,000 for 3 lakhs sum insured
Up to Rs. 50,000 for 5 lakhs sum insured
Up to Rs. 35,000 for 3 lakhs sum insured
Up to Rs. 50,000 for 5 lakhs sum insured
Newborn Baby Cover Up to Rs. 30,000 for 3 lakhs sum insured
Up to Rs. 50,000 for 5 lakhs sum insured
Up to Rs. 30,000 for 3 lakhs sum insured
Up to Rs. 50,000 for 5 lakhs sum insured
New Born Birth Defects No Lump sum – Rs. 50,000
Initial Wait Period 30 Days 30 Days
Named ailments 24 months 24 months
Pre-existing Diseases 48 months 48 months
Room Category Single Private Room with AC Single Private Room with AC
Co-payment 20% (Applicable where age of eldest member at entry is 61 years or above) 20% (Applicable where age of eldest member at entry is 61 years or above)
Tenure 3 Years 1 Year / 2 Year / 3 Years

Exclusions of JOY Maternity Insurance Plan

  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.

Policy terms of Religare maternity health insurance plan

  1. Enty age - minimum (adult - 18 years; child - 1 day; new born - 1 day)
  2. Enty age - maximum (adult - 45 years; child - 24 years; new born - 90 days)
  3. Exit age: Lifelong
  4. Cover type: Individual/Fmaily floater
  5. Renewal: Lifelong Renewability. The policy can be renewed under the then prevailing Health Insurance with Maternity Benefit Product or its nearest substitute approved by IRDA
  6. Waiting Period: a) 30 days for any illness except accident; b) 24 months for maternity of Joy tomorrow; c)9 months for maternity of Joy today; d)2 years for specific treatments/illness; e)4 years for pre-existing diseases
  7. Grace period: 30 days from the date of expiry to renew the policy
  8. Policy tenure: 3years
  9. Maternity Cover: Available only up to 45 years of age

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