Care Health Insurance for Maternity Coverage

Ruchi and Kamal are going to enter the nuptial phase after combating all social and family problems. They both are planning to start their family soon after their marriage. Being a meticulous person, Kamal wants to purchase a maternity health insurance policy that will take care of all the expenses of delivery, along with the baby. After researching and discussing with friends, Kamal came to know that Care (Religare) maternity health insurance is the best policy that will meet all maternity expenses successfully.

Though parenthood brings a smile to every family member, still, you need to be financially strong and well-prepared to deal with all the expenses of maternity. Care Joy maternity health insurance policy is specially designed for all expecting mothers and newborn babies. This Religare health insurance maternity plan possesses a chunk of enthralling features for mothers and their babies. This Religare health insurance for maternity compensates for all maternity-related expenses, both for normal and cesarean delivery. This Religare health insurance cover maternity is available on either an individual or a floater basis.

Key Features of this Maternity Cover in Religare Health Insurance Policy

• The plan comes up with two variants (Joy Today and Joy Tomorrow)
• The range of sum insured amount is Rs. 3 lakh to Rs. 5 lakh
• This policy plan offers its policyholders with a long-term policy tenure of 3 years
• This plan offers maternity coverage up to Rs.50, 000. But maternity coverage is available only up to 45 years.
• The waiting period is 9 months for maternity related insurance claims
• This policy plan offers coverage for newborn babies for up to the first 90 days. After 90 days, you may purchase a regular health policy to safeguard your baby by paying additional premiums
• By opting for this policy plan, you can enjoy cashless treatment facilities at more than 8000+ hospitals.
• By selecting a multi-year policy, you will get a 10% discount on your premiums
• If you don’t raise any claim within 3 tenure years of the policy, you will get a 100% increase in the sum assured amount
• You can enjoy tax benefits for all your paid premiums under 80 D of the Income Tax Act 1961
• This policy offers lifelong renewability

Some Add-On Features of Religare Health Insurance Maternity Cover

• You may choose a single private room with AC under its coverage plan
• The waiting period is 4 years of pre-existing illnesses and 2 years of specific illnesses
• This plan offers a co-payment option. If you purchase this plan at the age of 61 or above, you need to pay 20% of the premium amount. The rest of the amount will be sponsored by the insurance provider.
• To purchase this plan, you need to go for some pre-policy medical tests.

Inclusions in Care Joy Health Insurance Policy

• In-Hospitalization: This policy plan provides all expenses for hospitalization (nursing expenses, doctors’ fees, room rent, ICU charges, OT charges, oxygen, blood, etc.)
• Ambulance Coverage: This plan offers ambulance coverage (Rs.1000 per hospitalization) if the policyholder needs to be hospitalized
• Pre-and Post-hospitalization: This plan covers all healthcare expenditures before the hospitalization (up to 30 days) and after your discharge (up to 60days) from the hospital.
• Daycare procedures: The plan takes care of 170 daycare treatment methods like cataracts and many more
• Advanced Technology Treatment Cover: With this plan, you are eligible for some treatment methods like Cataracts, Sinusitis, Piles, etc.  
• Newborn Baby Defects Coverage: If your newborn has Down syndrome or cerebral palsy by birth, then this policy will offer you a lump sum amount.

Exclusions in Care Joy Health Insurance Policy

• A waiting period of 2 years is applicable for all pre-existing diseases
• The policy won’t offer coverage for any disease contracted within 30 days of the policy
• Non-allopathic treatment
• Regular eye checkups and dental treatments are excluded
• External congenital disease
• Drug addiction or alcoholism
• Self-harmed injuries or intentional injuries are not covered by the policy
• Medical expenses for the treatment of STD
• In-vitro fertilization treatment along with other infertility treatment methods won’t be covered

Eligibility

Minimum entry age

• Child: 1 day
• Adult: 18 years
• Newborn: 1 day

Maximum entry age

• Adult: 65 years
• Child: 24 years
• Newborn: 90 days

Can You Purchase Care Joy Health Policy After Getting Pregnant?

You can opt for this policy when you are planning to extend your family. But you will only get the benefits after the completion of the waiting period. So, purchase this policy as soon as possible to enjoy all the benefits of maternity.

How Do You Purchase this Care Joy Health Insurance Policy?

You can conveniently purchase this policy by following the below-mentioned steps.

• Go through the official website of Care Insurance
• Now, click “get a free quote”
• Select either “Joy Today” or “Joy Tomorrow” plan
• Provide all your details like contact number, policy tenure period, total member, etc.
• Now, choose the sum insured amount
• Pay the premium amount and enjoy the benefits of the plan
• Once your payment is completed, you will get the receipt along with policy documents, policy number, and e-card to your registered email id.

The Conclusion

The costs of delivery and maternity expenses are increasing hurriedly. The average cost of maternity delivery is Rs.50, 000-Rs.80, 000 in metro cities. On the other hand, the cost of the C-section delivery is Rs.1.2 lakh. By purchasing a Religare Joy maternity health insurance policy or Care Joy health policy plan, you can enjoy the journey of parenthood without stretching your finances.