Care Joy Plan
Care Health Insurance
8.9/10
OneAssure Rating
8.9/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
Single Private Room with AC covered, ICU with no limit for maximum comfort.
Co-Payment Option
For policyholders aged 61+, choose to either continue with 20% co-payment or waive it with an additional premium for full coverage.
Brochure
Policy Wording
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Our Verdict
Care Joy Health Insurance offers ₹3-5 lakh coverage with maternity benefits after 9-24 months. It includes newborn coverage but has high premiums, room rent limits, disease-specific sub-limits, and a 20% co-pay for those over 61.
About the Plan
The JOY Maternity Insurance Plan by Care Health Insurance offers comprehensive coverage for maternity-related expenses, including pre and post-natal care, newborn baby cover, in-patient hospitalization, and day care procedures. It comes in two variants: "Joy Today" with a 9-month waiting period and "Joy Tomorrow" with a 24-month waiting period for maternity benefits. The plan also includes ambulance charges, cashless facility, and tax benefits. Sum insured options are ₹3 lakh and ₹5 lakh. The plan includes lifelong renewability, and covers medical expenses before and after hospitalization. It also provides a Free-look period of 30 days from the date of the receipt of policy if you find it unsuitable after deducting proportionate risk premium for the period on cover,expenses for medical examination and stamp duty charges, as applicable.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: Single Private Room with AC
ICU: No Limit
Co-payment
While buying or renewing a policy at age 61 years and above, customers will have the choice to include or exclude the Co-payment feature that implies- Continuing the policy with 20% co-payment. Continuing the policy without 20% co-payment by opting a waiver benefit.
Waiting Periods
"Joy Today" with a 9-month waiting period and "Joy Tomorrow" with a 24-month waiting period
Cashless Healthcare Providers
24800+ Health care providers
Day Care Treatments
Included for both “JOY Today” and “JOY Tomorrow”.
AYUSH Treatment
AYUSH is Not Covered.
Exclusions
Expenses for hospital admission primarily for diagnostics are excluded.
Expenses for bed rest, custodial or palliative care excluded.
Surgery covered only under strict medical criteria and guidelines.
Expenses for any procedure to alter gender characteristics excluded.
Covered only for accident, burns, cancer, or medical necessity.
Injuries from professional participation in extreme sports are not covered.
No coverage for treatments related to criminal acts or violations.
Treatment from blacklisted hospitals or practitioners not reimbursed.
Treatment for drug addiction or alcohol-related conditions not covered.
Expenses for treatment in wellness centers or nature cure clinics excluded.
Non-prescribed vitamins, minerals, or organic supplements not reimbursed.
Expenses for vision correction below 7.5 diopters not covered.
Experimental or alternative treatments lacking medical validation not covered.
Expenses for contraception, IVF, surrogacy, or sterilization reversal excluded.
Normal childbirth, miscarriage (unless accidental), and termination not covered.
AYUSH or other non-modern medical treatments are not covered.
Injuries or illnesses due to war, terrorism, or nuclear exposure excluded.
Suicide attempts, self-harm, or intentional injury not covered.
Costs for TV, telephone, cosmetics, toiletries, or special diets excluded.
Only specific approved advanced treatments are covered under defined criteria.
Exclusions
No Claim - Doubles sum insured after three consecutive claim-free years.
Ambulance Cover - Covers ambulance costs for emergency hospital transportation.
Maternity Cover - Covers hospitalization expenses for childbirth and related care.
Newborn Cover - Covers medical expenses for newborns up to 90 days.
Birth Defects - Lump sum payout for newborns with specific birth defects.
Add-ons
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
About the Company
Care Health Insurance, previously known as Religare Health Insurance Company Limited, is a trusted health insurance provider offering plans to protect you and your family during medical emergencies. Founded in 2012, it has settled 48 lakh claims and covered over 7 crore lives since inception. Care ensures seamless access to advanced treatments, AYUSH therapies, and more.
Care Health Insurance delivers comprehensive health coverage tailored to diverse needs. Plans like Care Supreme provide high cumulative bonuses, no sub-limits on room or treatment types, and early coverage for conditions such as diabetes with an additional premium. Care Health Insurance prioritizes health and financial security, offering reliable support for every stage of life.
About the Company
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