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Maternity Insurance Plan

  • Perfect Blend of Hospitalization and Maternity Insurance
  • New Born Baby Cover up to 90 Days
  • 10% Premium Discount on Multi-Year Policy
  • Coverage to 541 Day Care Treatments
15500+

Cashless Healthcare Providers

95.2%

Insurance Claim
Settlement Ratio*

247

Claim
Support

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Any past or ongoing medical conditions of any insured member
Any Condition, ailment or injury for which the insured person had signs or symptoms and/or were diagnosed, and/or received medical advice/treatment within 48 months prior to the first policy issued by the insurer.

 

7.5% OFF

10% OFF

Joy ( --- )

rupee ----

(Premium includes 18% GST)

KEY BENEFITS

MATERNITY COVER

With JOY maternity insurance, your maternity-related expenses incurred with respect to hospitalization for delivery are covered.

NEW-BORN BABY COVER

JOY covers the medical expenses of your new born from birth till the completion of 90 days. When the 90-day is over, the baby would be covered under the regular policy upon payment of additional premium.

IN-PATIENT CARE

If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours, we pay for everything – from room charges, nursing expenses and intensive care unit charges to surgeon’s fee, doctor’s fee, anaesthesia, blood, oxygen, operation theatre charges, etc.

POST-HOSPITALISATION COVER UP TO 60 DAYS

The expenses don't end once you are discharged. There are bound to be follow-up visits to your medical practitioner, mediction that is required and sometimes even further confirmatory tests.

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, this pregnancy insurance covers 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.

Joy Plan Highlights

MATERNITY CARE

MATERNITY CARE

NEW-BORN BABY COVER

NEW-BORN BABY COVER

PRE & POST HOSPITALIZATION

Pre & Post hospitalization
Expenses

INPATIENT CARE

INPATIENT CARE

DAY CARE TREATMENT

Day care treatment

AMBULANCE COVER

AMBULANCE COVER

FAMILY FLOATER OPTION

FAMILY FLOATER OPTION

Benefits of Maternity Health Insurance close
  Joy Today Joy Tomorrow
In-Patient Care tick-mark tick-mark
Day Care Treatment tick-mark tick-mark
Pre-hospitalization
We cover the related medical expenses incurred by you even 30 days before your hospitalization. There may also be follow-up visits to your medical practitioner, medication that is required etc. We cover the related medical expenses incurred by you after your hospitalization also, for a period of 60 days.
30 days 30 days
Post-hospitalization
We cover the related medical expenses incurred by you even 30 days before your hospitalization. There may also be follow-up visits to your medical practitioner, medication that is required etc. We cover the related medical expenses incurred by you after your hospitalization also, for a period of 60 days.
60 days 60 days
Ambulance Cover Up to ₹1,000 per Claim Up to ₹1,000 per Claim
Maternity Cover
We will cover maternity-related expenses incurred with respect to hospitalisation for the delivery of the child. What’s more, we even cover pre and post-natal expenses!
Up to ₹35,000 for 3 Lac SI
Up to ₹50,000 for 5 Lac SI
Up to ₹35,000 for 3 Lac SI
Up to ₹50,000 for 5 Lac SI
Newborn Baby Cover
We will also cover the medical expenses of your dear newborn from birth till the completion of 90 days. After 90 days, your baby would be covered under the regular policy upon payment of additional premium.
Up to ₹30,000 for 3 Lac SI
Up to ₹50,000 for 5 Lac SI
Up to ₹30,000 for 3 Lac SI
Up to ₹50,000 for 5 Lac SI
New Born Birth Defects Not Applicable ₹50,000
Maternity wait period 9 months 24 months

Joy complete plan details

Maternity Insurance Plan Details

  • Minimum Entry age of adult is 18 years or above and 1 day to 24 years for child

  • Maximum Entry age limit is 45 years

  • Pre-policy issuance Medical Check up applicable on insured Person with age 46 years or above

  • Sum Insured will be reinstated for a non-related illness once a year if the original sum insured gets exhausted in a year

  • Waiting period of 4 years for coverage on conditions declared and existing at the time of first purchase

  • Co-payments of 20% is applicable where age of eldest member at entry is 61 years or above.

  • Free-look period of 15 days from the date of receipt of policy if you find it unsuitable after deducting proportionate risk premium for the period on cover, expenses for medical examination and stamp duty charges, as applicable

Download Terms & Conditions
  • Any pre-existing ailment/injury that was diagnosed/acquired within 48 months prior to issuance of the first policy

  • Any diseases contracted during 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 fertilisation.

STEP1

Cashless Insurance

Emergency

Intimate within 24 hours of your hospitalization

Planned Hospitalization

Intimate us 48 hours prior to your hospitalization

STEP2

Reimbursement Insurance Claim Form Submission

Cashless

Request for pre-authorization

Re-Imbursement

Claim form submission

Complete the pre-authorization form available
at the hospitals insurance/TPA Desk and send us through fax.

Approval

Approval

Approval letter sent by the claim management team

Query

Query

Hospital/Insured to response to the query raised by the claim management team

Rejected

Rejected

You may initiate the treatment and file for re-imbursement claim

Submission of claim form along with required
documents, as per the policy terms & conditions

Approval

Approval

Approval letter sent by the claim management team

Query

Query

Insured to response to the query raised by the claim management team

Rejected

Rejected

We will communicate the reason in case of rejection

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Voice of our Customer

Chetan Bhatia

review Joy is an excellent insurance policy for maternity. The cashless facility is all the more useful. Thanks a lot.

Kavita Anand

review I express my gratitude to the team for providing dedicated support and processing claim quickly. I recommend Joy policy for all moms-to-be.

Madhu Rao

review Personalised support from customer care team, claims processing done without a delay. It was an amazing experience!

Pankaj Aggarwal

review Joy maternity health insurance plan is a perfect gift for your loved one. Buying a policy is easy and super-fast!

Shilpa Dua

review Having an insurance cover is a prerequisite. I only trust Care Health Insurance. Really happy with the prompt support by team!
Ankita Sharma

My appreciation for your prompt service

At the outset I would like to express my appreciation for your prompt service in taking up the case regarding my claim. I have received your intimation regarding the acceptance of my claim and had a minor query as to what is the claim amount settled by you. Thank you. View more

Ankita Sharma

Health Insurance

Indubala Nambiar

We will continue to avail of your scheme.

Thank you for settling the claim amount. Kindly inform me when the amount is remitted to the credit of my bank account with the Bank of Baroda. We will continue to avail of your scheme when we travel abroad. View more

Indubala Nambiar

Health Insurance

Vikas Singh

Everything went very smooth

I would like to pass on my appreciation for Virender who guided me during the difficult time. He helped me at every stage and didn’t keep me waiting. Due to his efforts, I was relaxed and everything went very smooth while my wife was recovering from typhoid. Thanks Virender you are a star! View more

Vikas Singh

Health Insurance

Sahil Khattar

Really helpful explaining the process in advance

I just wanted to thank you for the exceptional response from you on the recent cashless reimbursement request related to my mother’s operation. You were really helpful explaining the process in advance before the treatment and also during the final settlement. View more

Sahil Khattar

Health Insurance

Aditya Sharma

Finalising my claim in a short period

I must express my profound appreciation for finalising my claim in a short period. I have heard of insurance companies with holding payment or rejecting it outright on very flimsy grounds as they are averse to parting with their money. It was not the case with Care health insurance. Thank you, may your tribe grow. View more

Aditya Sharma

Health Insurance

Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) (formerly known as Religare Health Insurance Company Limited) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.

Awarded

Awarded as Claims
Leader of the year

claims-paid

7 Lakh+ Total claims paid

cashless-claim

Cashless claim approval
in approx. 2 hours

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 policy you can avail of to get the best healthcare facilities for the mother and baby without financial worries.

When Should I Buy Maternity Insurance?

Health insurance with maternity cover 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 maternity insurance policy that ranges from 9 months to 24 months, depending on the type of plan you have opted for. It's wise to buy maternity cover insurance in advance to welcome your baby stress-free.

Benefits of Buying Health Insurance for Senior Citizen Online

Things to Consider Before Selecting Maternity Health Insurance

While every mother-to-be in our country deserves the best care in her most joyous life phase, managing the exorbitant maternity care expenses can be difficult without medical insurance. Hence, the right way of financial planning is by opting for maternity health insurance, ensuring healthier and happier motherhood.

To enable you in deciding on the right maternity cover, here are some points you should consider.

  • Choose the best maternity insurance plan that gives you financial protection against various medical expenses and not only hospitalization expenses.
  • Savings is crucial for every family. Thus, look for premium discounts you can avail of, such as a discount on a multi-year policy.
  • Go through the list of cashless network hospitals so that you know you have easy access to cashless hospitalization in the time of need.
  • Read the policy documents to understand the policy inclusions, exclusions, sub-limits, and waiting period.
  • You can get a maternity cover at an affordable premium by carefully comparing and selecting the right policy with maximum coverage and benefits.
  • Newborn baby cover, day care procedures, and new-age treatments are a few must-have benefits you should look for in a maternity plan.
  • Find out the procedure to file a maternity insurance claim, so you need not face any hassles or delays.

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 pregnancy insurance. It is a perfect plan that gives comprehensive coverage for hospitalization and delivery-related expenses. Below are some extensive benefits of health insurance for pregnancy:

  • 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 under health insurance with maternity coverage.
  • 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 a premium discount of up to 10% while opting for a 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.

Why is it 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. Health insurance with maternity coverage reduces the financial burden and saves money. You can enjoy your parenthood and focus on recovery without the 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 a few clicks
  • You will receive the policy documents, including the policy number and e-card, on your registered email-id.

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*. Thus, health insurance that covers pregnancy comes with a double bonanza.
  • 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 with 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

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Most Frequently Asked Questions

Popular Questions

Q. 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.

Q. 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.

Q. 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.

Q. 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: 3 years

Q. 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

Q. 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.

Q. 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.

Q. 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.

Q. Is Pregnancy Termination Covered in Maternity Coverage?

Self termination of pregnancy is not covered under maternity coverage.

Q.Is 2nd Child Birth Covered Under Maternity Coverage?

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

Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.

*Source: IBAI Claims Handbook for FY 19-20

Joy complete plan details

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