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
Room Rent (Normal & ICU)
Normal: Single Private Room with AC
ICU: No Limit
Advanced Treatments
Robotic Surgery
Stem Cell Therapy
Organ Transplant
Cancer Treatment
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 Periods
Waiting Period up to 24 months , Covered up to 35,000
Cashless Healthcare Providers
24,800+ HealthCare Providers
Day Care Treatments
Covered. Requires hospitalization for less than 24 Hours.
AYUSH Treatment
Not covered by the plan.
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
Cumulative Bonus Super - Get up to 100% of Sum Insured per year, max 500%.
Instant Cover Benefit - Covers hypertension, diabetes, asthma, or hyperlipidemia after 30 days.
PED Wait Reduction - Modify pre-existing disease waiting period to 1 or 2 years.
Be-Fit Program - Unlimited gym access and fitness benefits for policyholders above 12 years.
Wellness Benefit Discount - Earn up to 30% renewal discount by tracking daily steps
Add-ons
Related Variants
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Why OneAssure?
We help you maximize your coverage over time for stronger protection.
About the Company
Care Health Insurance, previously known as Religare Health Insurance Company Limited, is a trusted health insurance provider offering plans to protect you and your family during medical emergencies. Founded in 2012, it has settled 48 lakh claims and covered over 7 crore lives since inception. Care ensures seamless access to advanced treatments, AYUSH therapies, and more.
Care Health Insurance delivers comprehensive health coverage tailored to diverse needs. Plans like Care Supreme provide high cumulative bonuses, no sub-limits on room or treatment types, and early coverage for conditions such as diabetes with an additional premium. Care Health Insurance prioritizes health and financial security, offering reliable support for every stage of life.
About the Company
Tomorrow vs Heart
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Frequently Asked Questions
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