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

Does the Care Joy Plan cover ambulance expenses?

Yes. Emergency ambulance expenses are covered up to the limits specified in the policy.

Can I buy the plan on an individual or family floater basis?

Yes. The Care Joy Plan is available in both individual and family floater options.

OneAssure

Health Insurance

Care

Joy

Care Joy Plan

Experience India's most trusted health insurance with Care Health Insurance. Get instant cashless treatment at 22000 network hospitals with sum insured up to ₹50 lakhs.

96%

Claim Settlement Ratio

22000+

Network Hospitals

8.9

Customer Rating

Policy Brochure

Policy Policy Wording

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96%

Claim Settlement Ratio

22000+

Network Hospitals

8.9

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: Care Joy

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 Joy

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...

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...

Joy Ratings

Ratings: Care Joy

Insurer Rating

7.51

out of 10

Insurance Rating

5.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

No

No Disease Sublimits

Yes

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

Yes

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of Care Joy

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.
.

Cashless Healthcare Providers

24800+ Health care providers

Waiting Period

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

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

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.

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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...