Care Joy Health Insurance Plan

Care Joy offers parents with during one of the most important journeys of their lives - the birth of a new-born baby. Care Joy offers new parents with a product that tends to their maternity and health needs. It not only covers hospital expenses during pregnancy but also stand by their customers during the most crucial phase of their lives.

Key Features & Benefits of Care Joy Insurance Plan:

Entry Age
Adults Between 18 years to 65 years
Children Between 1 day to 24 years
New born Between 1 day to 90 days
Policy Period 3 years  
Renewability Lifelong renewability subject to prevailing health insurance with Maternity Benefit Product approved by IRDA.  
Medical Screening Pre policy health check-up for applicants above the age of 45 years.  
Basis Individual and Family Floater  
Sum Assured Rs.3 Lakh to Rs.5 Lakh  
Premium Rs.30,000  
Discounts/Co Payment The plan has age based co-pay of 20% for sum insured for policyholders of age 65 years and above at the time of purchase of policy.  
  • Room rent for single A/C room covered
  • Offers coverage for new-born babies
  • 30 days Pre hospitalisation and 60 days Post hospitalisation provided with plan.
Add-on Covers
Maternity Cover The plan covers maternity, pre and post natal expenses
Ambulance Charges This plan covers ambulance charges up to Rs.1,000 per claim.
NCB Super Add-on
  • The NCB Super add-on will be mandatory for a sum insured (SI) of Rs.3 lakh and Rs.4 lakh.
  • In case the age of the individual is 45 years and below, the NCB super add-on will be mandatory for a sum insured of Rs.5 lakh.
  • Benefits Plan offers the option of no-claim bonus equal to 100% of the basic sum assured for policy durations of 3 years.
  • Only 9 month waiting period for maternity related claims (For Joy Today).
  • Only 24 months waiting period for maternity claims under Joy Tomorrow.
  • Day care treatments also covered
  • In-patient care for hospitalisation with durations of at least 24 hours.
  • Cashless Treatment
  • Tax benefits offered with payment of premiums

Disclaimer - Please read the terms, conditions and exclusions mentioned in the policy document carefully

Find cashless network hospitals nearby: Care Cashless Network Hospitals

Other Health Insurance Plans from Care Health Insurance:

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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