Care Joy Maternity Insurance Plan
Care
9.6/10
OneAssure Rating
9.6/10
OneAssure Rating
Highlighted Features
Room Rent & ICU Coverage
Enjoy a single private AC room for normal hospitalization, with no limit on ICU room rent, ensuring premium comfort and unrestricted critical care.
Day Care Treatments
Covers all medical procedures requiring less than 24-hour hospitalization, such as cataract surgery and chemotherapy, up to the sum insured, ensuring financial ease for short-duration treatments.
Brochure
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Our Verdict
Care Joy Tomorrow offers maternity coverage up to ₹50,000 with a 2-year waiting period, covering newborns from 91 days to 24 months. Ideal for couples planning ahead, but lacks restoration benefits, domiciliary coverage, and free health check-ups.
About the Plan
The JOY Tomorrow plan by Care Health Insurance offers maternity coverage after a three-year waiting period, covering newborn medical expenses for 90 days. It provides a ₹50,000 lump sum for birth defects and comes with ₹3 lakh and ₹5 lakh sum insured options. Additional benefits include hospitalization, ambulance cover, and inpatient care, with exclusions like a two-year wait for pre-existing diseases.
About the Plan
Product Stats
Rating
Features of the Product
Co-payment
20% for above 61 years unless waived by extra premium
Daycare Treatment
Covers AYUSH treatment expenses up to your annual sum insured during the policy period
Restoration Benefit
Not Available
Consumable Cover
Included within hospitalisation expenses.
PED Waiting Period
3 years
Specific Waiting Period
2 years
Annual Health Checkup
Not Stated
Modern Treatment
Covered
Deductible Option
Not Available
Outpatient Department Cover (OPD Expense)
OPD expense is not included.
Coverage Options
Available coverage options:
Claim Settlement Ratio
96%
Cashless Healthcare Providers
8000+ Healthcare Providers
Initial Waiting Period
30 days
Pre-Hospitalisation
You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved
ICU Charges
No restriction on ICU room rent
Co-payment
20% for above 61 years unless waived by extra premium
Room Rent
Single Private AC room covered
Disease-wise sublimits
Not Specifically mentioned
Cumulative Bonus
Not Available in the base plan but you can add a rider to avail
Daycare Treatment
Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured
Post-Hospitalisation
You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it
Advanced Treatments
- Robotic Surgery
- Stem Cell Therapy
- Organ Transplant
- Cancer Treatment
Exclusions
Pre-existing diseases covered after 36 months of continuous coverage from inception.
Cosmetic treatments excluded unless medically necessary due to accident or illness.
Obesity treatment is covered only for bariatric surgery under strict medical conditions.
Alternative therapies, experimental or unproven treatments excluded.
No coverage for self-inflicted injuries, suicide attempts, substance abuse, or reckless behavior.
Exclusions
Looking for a Specific Hospital ?
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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Still Confused ?
Frequently Asked Questions
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