Care Joy Health Insurance

About the Care Joy Health Insurance

Care Health Insurance is an Indian health insurance company that was founded in July 2012 by Religare Enterprises. The organization was earlier known as Religare Health Insurance Company Limited. As of now, the company is headquartered in Gurgaon, Haryana, India, and has over 146 branch offices spread throughout the country. Many customers also know this organization as Religare Joy today.

There are over 6,000 employees working at Care Health Insurance. Beyond health insurance policies, customers can also purchase personal accident insurance, critical illness insurance, super top-up coverage, Religare maternity plan, ground personal accident insurance for corporations, group health insurance, and international travel insurance policies.

Anuj Gulati is the CEO and MD of the organization. This organization is also one of the five private-sector insurers in India to underwrite policies primarily for health, personal accident, and travel domains.

Care Health Insurance reported exceptional claim settlement ratio of 92.58% in their 2019 fiscal year as per data filed with the IRDAI. The organization has also won several awards and honors for providing excellent services to its customers all through the year.

Care Health Insurance won the ‘Best Health Insurance Company’ title at the ABP News – BFSI Awards 2017. It also won the Emerging Asia Insurance Awards, 2019, and the ‘Best Claims Service Provider of the Year’ during the Insurance India Summit and Awards 2018. It received the ‘Best Medical/ Health Insurance Product Award’ at the FICCI Healthcare Excellence Awards in 2015, 2018, and 2019.

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    Policy Type


    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.




    Total Sum Insured (in Rs.)



    Total Policy Term

    3 years


    Entry Age for Adults

    18 years

    65 years

    Entry Age for Child

    1 day

    24 years

    Entry Age for Newborn

    1 day

    90 days

    Renewal Age Limit

    No Minimum Limit

    Lifelong Renewability Benefit



    A total of 20% of the claim amount is paid in case one enrolls at the age of 61 years or above in this policy

    Waiting Period of Maternity Claim

    9 months


    Grace Period


    30 days from the date of expiry to renew the policy

    • 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.


    Plan Option 1

    Plan Option 2

    Total Sum Insured (in INR)

    Rs.3 lakh

    Rs.5 lakh

    Hospitalization Charges Cover

    Provided up to the total sum insured value

    Provided up to the total sum insured value

    Room Provided

    Single Private Room with AC

    Single Private Room with AC

    Pre-Hospitalization Medical Charges Cover

    Up to 30 days

    Up to 30 days

    Post-Hospitalization Medical Charges Cover

    Up to 60 days

    Up to 60 days

    Ambulance Expenses Cover

    Up to Rs.1,000 per claim

    Up to Rs.1,000 per claim

    Maternity Cover with Prenatal and Postnatal Medical Expenses Cover

    Up to Rs.35,000

    Up to Rs.35,000

    Newborn Baby Cover

    Up to Rs.30,000

    Up to Rs.30,000

    No Claim Bonanza

    Provided as an Optional Benefit

    Provided as an Optional Benefit

    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

    It can be said without a doubt that Religare Joy is a health insurance plan that provides comprehensive regular and maternity benefits. This is a great plan for individuals who want to get health insurance policies with maternity cover. This policy is great for families and individuals who are planning to have a baby soon.

    Beyond maternity cover, one can also get cover for basic medical costs in case of a medical emergency. The two variants of this policy are Joy Today and Joy Tomorrow. In both of these variants, the policyholder can choose to get a sum insured value of either Rs.3 lakh or Rs.5 lakh.

    The plan is available on both individual and family floater basis. In the case of the family floater option, a maximum of four family members can be covered under this policy. This should be a combination of two adults and two dependent children. Adults between the ages of 18 years and 45 years can purchase this policy and children can be covered from day 1 to 24 years of age.

    Because of all these reasons, thousands of customers have purchased this policy. Let’s look at what those customers think about this policy by going through some of their reviews.

    • Excellent Information on Cashless Mediclaim by Suparna Das (5 stars / 5 stars)

    I purchased the Care Joy health insurance plan when my husband and I were thinking of starting a family. From the first day, I was set on this policy because of the maternity benefits that are provided in this policy. I also opted for cashless Mediclaim when the time came to file for the claim. Everything was handled smoothly and efficiently. I will be renewing this policy for the years to come.

    • Simple Guidance and Policy Purchase by Ravi Sharma (5 stars / 5 stars)

    I was looking for a health insurance policy with comprehensive maternity cover when I came across Care Joy health insurance. I went through the details that were mentioned in the brochure and loved everything that I saw. I enhanced my cover by opting for optional benefits and purchasing the policy online. I have yet to make a claim but I really liked how everything was handled efficiently and quickly by the company.

    • Excellent Maternity Cover by Paritosh Mishra (5 stars / 5 stars)

    I was looking for a health insurance policy with maternity coverage for my wife and decided to purchase the Care Joy policy. I’m happy with my purchase as I have got newborn coverage, hospitalization charges coverage, and other benefits in this policy. I’m worried about a lot of things in the future but I’m not worried about the health and wellness of my child and wife thanks to this policy.

    Care Joy Health Insurance FAQs

    I want to get some additional benefits with my Care Joy health insurance policy. What are those additional benefits?

    The additional benefits that are provided with the Care Joy Today and Joy Tomorrow policy are:
    Tax benefits on paid premium
    Pre-hospitalization coverage for up to 30 days before hospitalization
    Post-hospitalization cover for up to 60 days after being discharged from the hospital
    A free look period of 15 days
    Free coverage provided to the newborn baby for 90 days

    What is the difference between the family floater and critical illness or hospital cash insurance benefit?

    It should be noted that the individual or the family floater option in a health insurance policy works on the principle of indemnity. This basically means that you will only get a reimbursement for the amount that you have paid for medical treatments in a hospital.
    Further, the critical illness or the hospital cash insurance benefit is a predefined amount paid to the policyholder irrespective of what he or she spends on medical treatments.

    I want to purchase the Care Joy health insurance policy. Do I need to undergo a medical check-up before I make the purchase?

    Individuals might be required to undergo a medical check-up before purchasing the Care Joy health insurance policy if any of the insured family members are over the age of 45 years.

    I’m confused between the family floater or the individual option in the Care Joy insurance plan. Which should I choose?

    You can buy either the individual cover or the family floater option. This completely depends on your perception. However, as a general rule, it is suggested that one should opt for family floater options when he or she is young. And as you grow older, you should get an individual cover insurance policy.