Care Formerly Religare Maternity Health Insurance Plan

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

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Plan Type
   
Coverage Type
Coverage Amount
Age of senior member
  years OR age
Insurance Start Date
Insurance End Date

Key features of Care (Formerly Religare) Maternity 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.

Care(Formerly Religare) Health Insurance Review

Sum Insured
4 lacs – 600 lacs options available
Tenure Options
1, 2, 3 years options available
Claims Incurred Ratio *
55.00%
Claims Settlement Ratio **
93.44%
List of Network Hospitals
7,400+ hospitals
Number of Policies issued *
6,91,739
Number of Lives Covered *
1,07,13,000
Maximum Family Floater Coverage
Self, Spouse + dependent (children + parents)
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

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Care (Formerly Religare) Maternity health insurance plan details

  • Highlights
  • Benefit Table
  • Policy Terms
  • Exclusions

Care (Formerly Religare) 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.

Benefit table of Care (Formerly Religare) Maternity mediclaim insurance

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

Highlights of Care (Formerly Religare) Maternity health insurance

  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

Exclusions of Care (Formerly Religare) 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.
Care(Formerly Religare) health insurance
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