Care Joy Plan
Care
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: 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.
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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.
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
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Why OneAssure?
We help you maximize your coverage over time for stronger protection.
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.
About the Company
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