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Maternity Health Insurance with New Born Baby Cover - JOY

About Maternity Insurance

Holding your bundle of joy is the most cherished moment in a couple's life. But, this nine-month journey of motherhood is more like a roller coaster ride for every woman. Whether it is morning sickness, nausea, weakness, anemia, vitamin deficiency, etc., a would-be mom needs extra healthcare during this phase. We understand that rising medical inflation and skyrocketing hospitalization charges create lots of financial hindrance for the couple. Therefore, we offer JOY-the most comprehensive maternity insurance plan you can avail of to get the best healthcare facilities for the mother and baby without financial worries.

Maternity Insurance Plan - Joy

JOY is a specially designed health insurance with maternity coverage in India for expecting mothers and their newborns. It ensures the right coverage for the mother and her child with several prominent features. Whether it is a normal delivery or a cesarean, we cover most of the pregnancy-related expenses. Available at an affordable premium, it often reduces the couple's financial worries for delivery-related expenses and encourages them to start their family at the right time. It comes up with a waiting period, so advisable to get in advance and stay prepared to welcome your baby into this world worry-free.

When Should I Buy Maternity Insurance?

Maternity insurance often comes with a waiting period, so when you are ready to start your family, opt for it. We have a waiting period for our pregnancy insurance that ranges from 9 months to 24 months, depending on the type of plan you have opted for. It's wise to buy it in advance to welcome your baby stress-free.

Benefits of JOY Maternity Insurance Plan

Motherhood is a blissful phase of life. If you are looking for health insurance that covers pregnancy in India to make it a smooth journey for mommy and her baby, opt for JOY maternity insurance. It is a perfect plan that gives a comprehensive coverage for hospitalization and delivery-related expenses. Below are its extensive benefits for better understanding:

  • Cashless Hospitalization- One of the seamless benefits of JOY is cashless hospitalization. You do not need to make the arrangements for cash during delivery.
  • In-patient care- Delivering a baby often comes with several complications. Do not worry! We cover hospitalization expenses to ensure that you get complete in-patient care.
  • Day-care Treatment- Avail the treatment under daycare instead of hospitalization. Our health insurance with pregnancy cover includes daycare treatments as well.
  • Advance Technology Methods- Get access to good health and sustainable treatment. We also cover the expenses for advanced treatment methods.
  • Newborn Baby Cover- We do not limit the coverage only up to the delivery. Your newborn child also covers up to the first 90 days.
  • Pre & Post Hospitalisation Cover- We cover their pre and post-hospitalization expenses also.
  • Single Private Room with AC- We make all our efforts to give you a healthy environment. You can avail of a single private room with AC under the policy coverage.
  • Long Term Policy- Bring your child into this world with JOY. You can get it as 3 years long term policy and do not need to worry about your pregnancy policy renewal.
  • Discounts- Get premium discount up to 10% while opting for multi-year policy. It helps to reduce the premium amount and gives ease to your pocket.

How Important is Health Insurance Maternity Cover?

For healthy delivery, women must get the best healthcare facilities. But rising healthcare inflation creates hindrance. That's why health insurance with maternity coverage is crucial.

Take a look at why it is essential:

The average delivery cost ranges between Rs 50,000 to Rs 80,000 in metro cities. The C-section delivery costs around 1-2 lac, varying based on complications. A Health insurance with maternity and new born cover reduces financial burden and saves money. You can enjoy your parenthood and focus on recovery without stress of arranging finances.

How to Buy Maternity Health Insurance Online?

You can easily get JOY in few clicks. All you need to follow these simple steps:

  • Visit our official website
  • Go to 'Get a Free Quote'
  • Select either Joy Today or Joy Tomorrow
  • Enter the required details, including total member, age of the eldest member, contact number, tenure
  • Select the Sum Insured
  • Get the premium and secure yourself in just few clicks
  • You will receive the policy documents, including the policy number and e-card, on your registered email-id.

Key Features you get with JOY Maternity Health Policy -

Plan Details
Plan Name Joy Today Joy Tomorrow
Sum Insured – On annual basis 3 Lac / 5 Lac 3 Lac / 5 Lac
Maternity wait period 9 months 24 months
Entry Age – Minimum Adult : 18 years or above
Child : 1 Day to 24 years
Adult : 18 years or above
Child : 1 Day to 24 years
Entry Age – Maximum 45 years 45 years
Exit Age Lifelong Lifelong
Cover Type Individual
(maximum up to 6 Persons)
Individual
(maximum up to 6 Persons)
Floater : 2A / 2A1C / 2A2C Floater : 2A / 2A1C / 2A2C
Pre-policy Issuance Medical Check up Applicable on Insured Person with age 46 years
or above
Applicable on Insured Person with age 46 years
or above
Benefits
  Hospitalisation Expenses
    In-Patient Care Yes Yes
    Day Care Treatment Yes Yes
  Pre-Hospitalisation Medical Expenses
?
Up to 30 days Up to 30 days
  Post-Hospitalisation Medical Expenses
?
Up to 60 days Up to 60 days
  Ambulance Cover Up to Rs. 1,000 per Claim Up to Rs. 1,000 per Claim
  Maternity Cover (including Pre-natal & Post-Natal expenses)
?
Up to Rs. 35,000 for 3 Lac SI
Up to Rs. 50,000 for 5 Lac SI
Up to Rs. 35,000 for 3 Lac SI
Up to Rs. 50,000 for 5 Lac SI
  Newborn Baby Cover
?
Up to Rs. 30,000 for 3 Lac SI
Up to Rs. 50,000 for 5 Lac SI
Up to Rs. 30,000 for 3 Lac SI
Up to Rs. 50,000 for 5 Lac SI
  New Born Birth Defects No Lump sum – Rs. 50,000
Wait Periods
  Initial Wait Period 30 Days 30 Days
  Named ailments 24 months 24 months
  Pre-existing Diseases 48 months 48 months
Sub-limits
  Room Category Single Private Room with AC Single Private Room with AC
  Co-payment 20% (Applicable where age of eldest member at entry is 61 years or above) 20% (Applicable where age of eldest member at entry is 61 years or above)
Tenure 3 Years 1 Year / 2 Year / 3 Years

For complete product details, kindly refer Prospectus and Sales Literature in the Download Section. Click here

What is Covered Under Maternity Insurance?

Expecting women are more vulnerable to health problems and delivery-related complications. Whether it's a normal or cesarean delivery, the hospitalization expenses are skyrocketing. JOY- health insurance with maternity cover is helpful if you are planning a family. It ensures that the mother and her newborn get comprehensive coverage and the best healthcare facilities. Check below what all it covers:

  • Maternity Cover: Expenses incurred pre and postnatal can increase the couple's financial stress. But, JOY covers them and helps the mother and her child recover faster under the doctors' supervision.
  • New Born Baby Cover: The pregnancy insurance plan also has a newborn baby cover. It means that we cover your newborn's expenses from delivery to 90 days to ensure good health.
  • New Born Baby Defects: We will pay the amount as a lump sum if the newborn child is diagnosed with Down's Syndrome or Cerebral Palsy provided that no claim under newborn baby cover shall be made in respect of the above-defined health problems.
  • Direct Claim Settlement: We have kept claims procedures very simple. Whether it is an emergency or a planned hospitalization, all you have to do is present the CHI JOY Health Card at our network of more than 15500+ Cashless health care providers across India and avail of the cashless service.
    If you have opted for a non-networked hospital, inform us directly about the claim, and once we get the specified documents from you, we'll process your claim accordingly.
  • Tax Benefit: Opting for our pregnancy insurance comes with two-fold benefits. It ensures good medical care for mother and infant and enables you to avail of tax benefits on the premium you pay for it as per the Income Tax Act 1961*.
  • Free Look Period: If you are unsure whether you have taken the right maternity cover insurance? JOY has a free look period. Suppose if no claim has been made within this period. In that case, we will refund the insurance premium received after deducting the proportionate risk premium for the period on cover, expenses for medical examination, and stamp duty charges, as applicable.

What is Not Covered Under Maternity Health Insurance?

Health insurance maternity cover has exclusions. You can read what is not admissible under the policy:

  • Any pre-existing ailment/injury that was diagnosed/acquired within 48 months prior to issuance of the first policy
  • Any diseases contracted during the first 30 days of the policy start date except those arising out of accidents
  • Non-allopathic treatment.
  • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
  • Cost of spectacles/contact lenses, dental treatment
  • Medical expenses incurred for treatment of AIDS
  • Congenital disease
  • Tests and treatment relating to infertility and in-vitro fertilization

FAQs on Maternity Insurance Plan

What is Maternity Health Insurance and How Does it Work?

Motherhood is the most important phase in every woman’s life. Although the journey is hard for a couple, maternity health insurance can ease it. So, if you are on the way to start a family, then go for a maternity insurance plan. It is a type of health insurance that covers maternity expenses related to normal delivery or caesarean along with new born baby care up to a defined sum insured limit.

When Should I Buy Maternity Health Insurance Plan?

You can buy a maternity insurance plan when you are ahead to plan a family. Under our maternity/pregnancy insurance cover “Joy Today” we cover maternity expenses after 9 months and in the case of another cover called “Joy Tomorrow,” we cover maternity expenses after 2 Years.

Can i get Maternity Health Insurance while Pregnant?

Yes, you can take maternity insurance when you are ready to welcome your bundle of joy. However, the benefit is only available if the delivery happens after the waiting period. So, it is advisable to buy maternity insurance as early as possible. Care’s Joy Maternity Insurance Plan will provide the essential coverage.

What is covered under Maternity Insurance?

Maternity coverage takes care of all expenses related to childbirth, right from pre-hospitalization and post-hospitalization expenses, delivery charges, vaccination charges for the new-born, any emergencies arising due to complications in childbirth. Maternity cover is helpful for the mother and her baby.

What is the Waiting Period for Maternity Insurance?

We have two maternity health insurance products their respective waiting period is mentioned as below:

  • Joy Today: 9 months
  • Joy Tomorrow: 2 years

What is the Eligibility Criteria for Maternity Health Insurance?

The eligibility for maternity health insurance is:

  • Minimum Age: Adult: 18 years or above
  • Maximum Age: 45 years

How do I get Health Insurance for my New-born?

With CHI, you would get insurance coverage for your new-born when you take our Joy Maternity Insurance Plan. This plan would cover the expenses of the medical needs of your new born up to 90 days from the date of birth.

What makes Pregnancy Insurance Benefits so Important for Young Couples?

Health insurance for pregnancy includes maternity expenses for the mother and newborn. Joy is the affordable pregnancy insurance in India. It is beneficial for young couples because they do not need to pay hefty hospitalization and delivery expenses from their pocket. They can start their family planning stress-free.

Is Pregnancy Considered a Pre-existing Condition for Health Insurance?

No , if you get pregnant before enrolling in a health plan and delivery happens after the waiting period then you are eligibile to avail the benefit.

Is Pregnancy Termination Covered in Maternity Coverage?

Self termination of pregnancy is not covered under maternity coverage.

Is 2nd Child Birth Covered Under Maternity Coverage?

Yes, 2nd childbirth is covered under maternity coverage if the maternity sum insured is not exhausted.

Why Choose Care Health Insurance?

We strive to deliver a comprehensive set of services and features so that this memorable new chapter in life begins on a perfect note.

Our experts are in tune with the most modern maternal and child health requirements and remove any hassles that may crop up. Get access to the best healthcare facilities at more than 15500+ cashless healthcare providers that are part of our network. Do not get distracted by medical bills and related expenses when all you should think about is ushering your bundle of JOY into this exciting world.

Call:1800-102-4488|1800-102-6655

Disclaimer: Information above is just for reference. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.

UIN: IRDA/NL-HLT/RHI/P-H/V.I/7/13-14. UAN2: 19032850.

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