Can I renew the Care Joy Maternity Insurance Plan online?

Yes, you can renew your Care Joy Maternity Insurance Plan online through the official Care Health Insurance portal.

How does the waiting period affect my coverage?

The policy has a 30-day initial waiting period, with 24 months for named ailments and pre-existing diseases, ensuring coverage after two years of continuous policy renewal.

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

If no claims are made, policyholders may receive renewal benefits or discounts, enhancing future coverage. Confirm specific perks with your insurer for eligibility and details.

Will my health insurance cover treatment abroad?

Coverage is primarily for treatments in India.

Does the Care Joy Maternity Insurance Plan cover pre-existing conditions?

Yes, pre-existing conditions are covered after a waiting period of 36 months.

What exclusions apply to the Care Joy Maternity Insurance Plan?

Exclusions include non-medical expenses, sexually transmitted diseases, routine eye and ear examinations, prosthetics, and treatments received outside India.

OneAssure

Health Insurance

Care

Joy Tomorrow

Care Joy Maternity Insurance 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

9.6

Customer Rating

Policy Brochure

Get a Quote

96

Claim Settlement Ratio

22000

Network Hospitals

9.6

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Care Joy Tomorrow

Final 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

About Care Joy Tomorrow

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.

Tomorrow Ratings

Ratings: Care Tomorrow

Insurer Rating

5.69

out of 10

Insurance Rating

5.75

out of 10

No Room Rent Limit

Add on

Consumables Covered

Yes

No Co-payment

Add on

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 Tomorrow

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.

Specific Waiting Period

2 years

PED Waiting Period

3 years

Modern Treatment

Covered

Annual Health Checkup

Not Stated

Outpatient Department Cover (OPD Expense)

OPD expense is not included.

Deductible Option

Not Available

Cashless Healthcare Providers

8000+ Healthcare Providers

Coverage Options

Available coverage options:

Claim Settlement Ratio

96%

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

Room Rent

Single Private AC room covered

Co-payment

20% for above 61 years unless waived by extra premium

ICU Charges

No restriction on ICU room rent

Advanced Treatments

Robotic Surgery Stem Cell Therapy Organ Transplant Cancer Treatment

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

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

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.

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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...