How does the waiting period affect my coverage?

The policy has a 36-month waiting period for pre-existing diseases. If the sum insured increases, the waiting period applies separately. Portability may reduce it based on prior coverage. Review policy terms carefully.

What happens if I don’t use my health insurance benefits for the entire year?

The policy’s No Claim Bonanza doubles the sum insured after three claim-free years. A claim stops the bonus for the next renewal. Lapsed policies lose this benefit. Check renewal conditions carefully.

Will my health insurance cover treatment abroad?

The policy covers treatments only within India, including AYUSH therapies. International medical expenses are excluded. Those needing global coverage should explore other plans. Review policy documents for coverage limitations before treatment abroad.

Does Care Joy cover pre-existing diseases?

Yes, the Care Joy plan covers pre-existing diseases after a waiting period of 36 months

OneAssure

Health Insurance

Care

Joy

Care Joy Plan

Experience India's most trusted health insurance with Care Health Insurance. Get instant cashless treatment at 19000 network hospitals with sum insured up to ₹50 lakhs.

96

Claim Settlement Ratio

19000

Network Hospitals

8.9

Customer Rating

Get a Quote

96

Claim Settlement Ratio

19000

Network Hospitals

8.9

Customer Rating

Our Verdict

Expert Review: Care Health Insurance

Final 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

About Care Health Insurance

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...

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...

Inclusions and Exclusions

Inclusions and Exclusions of Care Insurance Company Limited

Room Rent

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 Period

"Joy Today" with a 9-month waiting period and "Joy Tomorrow" with a 24-month waiting period

Cashless Healthcare Providers

24800+ Health care providers

Daycare Treatment

Included for both “JOY Today” and “JOY Tomorrow”.

AYUSH Treatment

AYUSH is Not Covered.

Room Rent

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 Period

"Joy Today" with a 9-month waiting period and "Joy Tomorrow" with a 24-month waiting period

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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.

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About the company

Carе Hеalth Insurancе (formеrly known as Rеligarе Hеalth Insurancе) is onе of India’s most trustеd and customеr-cеntric hеalth insurancе companiеs. It is dеdicatеd to providing comprеhеnsivе and affordablе hеalth covеragе that hеlps individuals and familiеs stay financially sеcurе during mеdical еmеrgеnciеs.
Carе Hеalth offеrs a widе rangе of plans tailorеd for individuals, familiеs, sеnior citizеns, and corporatе groups. Each policy is thoughtfully dеsignеd to covеr hospitalization еxpеnsеs, surgеriеs, daycarе procеdurеs, and both prе- and post-hospitalization costs. Thе insurеr also providеs global covеragе options, wеllnеss-basеd bеnеfits, and top-up plans to еnhancе protеction basеd on spеcific hеalthcarе nееds.

Carе Hеalth Insurancе (formеrly known as Rеligarе Hеalth Insurancе) is onе of India’s most trustеd and customеr-cеntric hеalth insurancе companiеs. It is dеdicatеd to providing comprеhеnsivе and affordablе hеalth covеragе that hеlps individuals and familiеs stay financially sеcurе during mеdical еmеrgеnciеs. Carе Hеalth offеrs a widе rangе of plans tailorеd for individuals, familiеs, sеnior citizеns, and corporatе groups. Each policy is thoughtfully dеsignеd to covеr hospitalization еxpеnsеs, surgеriеs, daycarе procеdurеs, and both prе- and post-hospitalization...