Care Joy Health Insurance

The Care Joy Health Insurance policy comes with a promise of wait and joy. This is a comprehensive policy that comes with both maternity and hospitalization benefits. In this policy, the insured can make claims related to maternity after a waiting period of just nine months!

The policy also comes with a newborn baby cover and one can avail of a 100% increase in the sum insured value in case of a no-claim bonus. Other details related to the eligibility and restrictions imposed on this Religare maternity plan are mentioned below.

• In-Patient Care Benefit: All hospitalization charges, including room rent, ICU charges, nursing expenses, fees of the doctor, surgeon’s fees, operation theater charges, oxygen charges, and blood charges are covered. One can get a single private room with AC under this policy.

• Maternity Cover: One can get coverage for all expenses related to maternity when it comes to hospitalization for the delivery of the child. One can also get coverage for pre- and post-natal expenses. This benefit is only provided till the policyholder is of 45 years of age.

• Day-Care Treatment Benefit: One can get day-care treatment benefits for medical expenses incurred during hospitalization of fewer than 24 hours.

• New Born Baby Cover: All medical expenses of the newborn child from birth till the completion of 90 days will be covered in this benefit. After the completion of 90 days, the child will be covered under the regular policy if one pays an additional premium for child cover.

• New Born Birth Defects: A lump sum amount is paid to the policyholder if the newborn child has been diagnosed with Cerebral Palsy or Down’s Syndrome. This benefit is provided if no claim is made under the benefit of ‘New Born Baby Cover’ with respect to Cerebral Palsy or Down’s Syndrome.

• Ambulance Charges Cover: The charges of the ambulance will be reimbursed to the insured. The ambulance could be provided by the hospital or any private service provided.

• No Claim Bonanza: This is an optional cover feature. In this feature, if no claim is made during the policy tenure of 3 years, then the policyholder is eligible to receive a bonus of 100% of the total sum insured value.

• Pre- and Post-Hospitalization Cover: All medical charges incurred 30 days before the day of hospitalization will be covered. Further, all medical expenses incurred after 60 days of being discharged from the hospital, including medication and follow-up visits to the medical practitioner will be covered.

It should be noted that there are two plan options under the Care Joy health insurance plan. You can find a detailed analysis and comparison of both of those plan options below.

The key inclusions of the Care Joy health insurance policy are:

• An ambulance charge cover is provided up to Rs.1,000 per claim
• Pre-hospitalization medical charges coverage is provided for up to 30 days
• Post-hospitalization medical expenses cover for up to 60 days after discharge is provided
• Daycare treatments like Piles, Cataract, Dialysis, and Sinusitis are covered under this policy
• All the major in-patient care expenses like boarding charges, room rent, and nursing charges are covered up to the total sum insured value

There are also exclusions that are applicable to this policy. As a prospective buyer, you must know about these exclusions. And for your convenience, we have mentioned those exclusions in the list below.

• Treatments for weight control, insanity, congenital diseases, and cosmetic surgeries are not covered
• Any diseases or illness that occurs during the first 30 days of purchasing the policy are not covered. It should be noted that this exclusion is not applicable to diseases or illnesses that occur as a result of accidents
• Any non-allopathic treatment or treatment due to drug use/ misuse or alcohol addiction
• Treatment expenses incurred for diseases related to HIV or AIDS are not covered
• Any pre-existing injury that has been diagnosed 48 months before the issuance of the first policy is not covered