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Super Top Up Health Insurance Plan
Health Insurance Plan with 1 Crore Cover
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Standard Health Insurance Plan with AYUSH Coverage
Maternity Insurance Plan with Baby Cover
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Critical Illness Insurance
Financial coverage against defined critical illness
Health Insurance Covering 16 Major Health Aliments
Coverage for wide array of defined surgeries
Health Insurance with COVID-19
Plans including covid-19 hospitalisation coverage
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Health Plan for ageing parents
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Cover an individual against financial risks
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International Health & Travel Insurance plans for students
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Medical coverages for your overseas travel related expenses
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Cover medical expenses, baggage loss & more for students studying abroad
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Group Travel Insurance for Employees
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Joy ( --- )
(Premium includes 18% GST)
EMI starting from ₹ 500 / month
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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.
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.
Offers on Policy Tenure
Extend you policy period and get discount on your total premium.
2 Years7.5% off
3 Years10% off
You Save₹XX,XXX / Yr
Your Total Quote - ₹X,XXX /yr
No Claim Bonus Super
Up to 150% increase in sum insured
We have prepared a exclusive panel of EVERDAY care hospital/Diagnostic LABs panel where our customers are eligible for cashless coverage of Doctor Consultation & Diagnostic Test. You are covered upto 1% of your Sum Insure. 20% co-payment is applicable on all claims under this benefit.
International Second Opinion
It offers an option to consult doctors and take a second opinion for reassurance of recommended treatment
Unlimited Automatic Recharge
Your sum insured is reinstated unlimited number of times
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Total cost doesn't include taxes or processing changes, if any Banks maycharge
pre-closure & interest charges if you cancel EMI order.
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Reduction in PED
An add-on cover that offers 3 benefits claim shield, no claim bonus shield and inflation shield
Reduction in PED
Choosing this optional cover reduces the applicable wait period of 48 months for
Claims related to Pre-existing diseases, to 24 months. The claims will be
admissible for any Medical Expenses incurred for Hospitalization in respect of
diagnosis/treatment of any Pre-existing Disease after just 24 months of
continuous coverage has elapsed, since the inception of the first Policy with
If the age of the insured member or eldest insured member is 61 years or above, by opting for this add-on, you can get rid of the 20% co-payment worry. We will pay medical expenses incurred for hospitalization subject to policy terms and conditions.
Through this optional cover, one can claim amount equivalent to their bills provided at the time of reimbursement.
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
Pre & Post hospitalizationExpenses
Day care treatment
FAMILY FLOATER OPTION
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
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
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
Intimate within 24 hours of your hospitalization
Intimate us 48 hours prior to your hospitalization
Reimbursement Insurance Claim Form Submission
Request for pre-authorization
Claim form submission
Complete the pre-authorization form availableat the hospitals insurance/TPA Desk and send us through fax.
Approval letter sent by the claim management team
Hospital/Insured to response to the query raised by the claim management team
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
Insured to response to the query raised by the claim management team
We will communicate the reason in case of rejection
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Voice of our Customer
Joy is an excellent insurance policy for maternity. The cashless facility is all the more useful. Thanks a lot.
I express my gratitude to the team for providing dedicated support and processing claim quickly. I recommend Joy policy for all moms-to-be.
Personalised support from customer care team, claims processing done without a delay. It was an amazing experience!
Joy maternity health insurance plan is a perfect gift for your loved one. Buying a policy is easy and super-fast!
Having an insurance cover is a prerequisite. I only trust Care Health Insurance. Really happy with the prompt support by team!
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.
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.
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!
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.
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.
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 as Claims Leader of the year
7 Lakh+ Total claims paid
Cashless claim approval in approx. 2 hours
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.
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.
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.
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:
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.
You can easily get JOY in few clicks. All you need to follow these simple steps:
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:
Health insurance with maternity cover has exclusions. You can read what is not admissible under the policy:
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Most Frequently Asked Questions
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.
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.
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.
We have two maternity health insurance products their respective waiting period is mentioned as below:
The eligibility for maternity health insurance is:
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.
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.
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.
Self termination of pregnancy is not 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
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Pay premium @ Axis Bank
Walk-in to the nearest Axis Bank branch to pay your Renewal Premium conveniently via Cheque/Demand Draft. Please ensure to keep the following in mind while opting for the same:
Please visit during banking hours and ask for ‘Easy Pay’ service counters at Axis Bank branch to deposit your premium.
Please mention your Policy(s)number and Contact number on the reverse of cheque. Instrument should be in favour of "Religare Health Insurance Company Limited"
Make sure to collect the acknowledgement slip before leaving bank’s service counter for any future correspondence.
Postdated/ Outstation/ Third Party cheques are not allowed.
Please ensure the cheque amount is equal to the amount mentioned in renewal invite.
It is advisable to carry a copy of Renewal invite while visiting to Axis Bank branch.
Please ensure to deposit the cheque at least 7 Days prior to the due date. Instrument deposition is not allowed after the policy expiry date.
In case of any modifications in the policy details at the time of renewal, please contact our
branch and do not deposit the cheque in Axis Bank Branch.
Contact respective ‘Axis Bank branch manager’ in case of any difficulty/issue/clarification related to deposition of renewal premium. You may further contact our Customer Service team at 1800-102-4488/1800-102-6655