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Maternity Insurance Plan

A Maternity Health Insurance is a safety net for expecting mothers and their newborns with thoughtful features and benefits that cover delivery-related expenses during the most joyous phase of their life.

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Secure the Ultimate JOY of Motherhood with Maternity Plan

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    Reasons to Choose Care Health Insurance?

    • Healthcare Networks
      19000+ CASHLESS HEALTHCAREPROVIDERS^^
    • Claim settled ratio
      95.2% INSURANCE CLAIMSETTLEMENT RATIO*
    • Claim settled
      30 LACS+ CLAIMS SETTLEDSUCCESSFULLY*

    What is Maternity Insurance?

    Maternity insurance is a type of health insurance that covers maternity related expenses. Although parenthood is one of the most overwhelming experiences, it comes with additional expenses. A progressive increase in medical expenses and soaring hospitalization charges may create a financial crunch for the couples if they haven’t sought pregnancy insurance in time.

    Why is Health Insurance with Maternity Coverage Necessary?

    As mentioned above maternity comes with extra expenses. Even a normal delivery cost ranges between Rs 50,000 to Rs 80,000, whereas the C-Section costs around 1-2 lac in metro cities, depending on complications. Therefore, a well-planned pregnancy health insurance plan can be your absolute companion when you wish to become parents. The policy covers the in-patient maternity expenses with new-born baby cover up to Rs 50,000. The scope of coverage also includes pre and post-hospitalisation expenses, day care treatment cover, ambulance cover etc.
    Thus, the Insurance for maternity helps you enjoy your parenthood and focus on recovery without the stress of arranging finances. At Care Health Insurance, our medical insurance for pregnancy plan- JOY ensures the best healthcare facilities for the expecting mother and the newborn baby without financial worries.

    Explore Care Pregnancy Health Insurance Plan

    JOY is a specially designed health insurance with pregnancy insurance coverage in India by Care Health Insurance. This pregnancy insurance policy covers delivery-related expenses, whether a normal delivery or a caesarean. As insurance for maternity comes with a waiting period, it is advisable to get maternity cover insurance in advance and stay prepared to welcome your baby into this world worry-free.

    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

    Features of Maternity Insurance Policy

    Health insurance with maternity coverage comes with the following features:

    See all Sum Insured Options arrow close

    KEY FEATURES 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 3L SI
    Up to ₹50,000 for 5L SI
    Up to ₹35,000 for 3L SI
    Up to ₹50,000 for 5L 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

    Benefits of Maternity Mediclaim Policy

    Pregnancy insurance can be a good choice for those who are planning a family. This insurance for maternity related expenses comes with the following benefits:

    Joy complete plan details

    What is Covered under Maternity Insurance?

    Health insurance with maternity coverage makes your life easier by offering below coverage during childbirth:

    What’s Not Covered under Pregnancy Insurance Plans?

    A standard insurance that covers pregnancy excludes the following conditions:

    *For complete list of exclusions kindly refer to the policy document.

    How to Buy Maternity Health Insurance Online?

    Availing maternity health insurance plan online is just a few clicks away. All you need to do is follow these simple steps:

    Things to must have in maternity health Insurance

    Things to Consider Before Selecting Maternity Health Insurance

    With multiple options available in the market, at times choosing the right maternity cover health insurance can be challenging. Thus, to enable you to decide on the right maternity insurance coverage, here are some points you should consider.

    • Choose the best maternity cover 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 maternity cover health insurance.

    • Go through the list of cashless network hospitals so that you know you have easy access to cashless hospitalization in time of need.

    • Read the pregnancy insurance plan document carefully to understand the policy inclusions, exclusions, sub-limits, and waiting period.

    • You can get maternity cover health insurance at an affordable premium by carefully comparing and selecting the right policy with maximum coverage and benefits.

    • Newborn baby cover, daycare procedures, and new-age treatments are a few must-have benefits you should look for in a maternity cover insurance plan.

    • Find out the procedure to file a claim under insurance policy for pregnancy, so you need not face any hassles or delays.

    How to Claim Maternity Cover Insurance?

    Everyone expects a smooth claim experience whenever a claim arises. That’s why it is important to follow the below mentioned-claim steps rightly while claiming insurance policy for pregnancy:

    Cashless Claim

    Reimbursement Claim

    What are the Documents Required to Claim Maternity Mediclaim?

    The below documents are needed to register a claim for insurance that covers pregnancy:

    Cashless Hospitalisation Reimbursement Hospitalisation
    Pre-authorisation Letter to be availed at network hospital Duly filled claim form
    Duly filled and signed form along with the ID proof Discharged certificate
    A request for approval is sent to the insurer Medical bills and receipt supporting the claim
    Upon approval cashless facility can be taken Doctor’s prescription or other related documents

    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-payment - While buying or renewing a policy at age 61 years and above, customers will have the choice to include or exclude the co-payment feature that implies -

      • Continuing the policy with 20% co-payment

      • Continuing the policy without 20% co-payment by opting for a waiver benefit.

    • 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.

    STEP 1

    Emergency

    Intimate within 24 hours of your hospitalization

    Planned Hospitalization

    Intimate us 48 hours prior to your hospitalization

    STEP 2

    Cashless

    Request for pre-authorization

    Reimbursement

    Claim from 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 reimbursement 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

    19000+HEALTH CARE PROVIDERS SERVE CASHLESS MEDICAL SERVICES ACROSS THE GLOBE

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    Voice of our Customers

    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 timely intimation regarding the acceptance of my claim amount settled by you. View more

    Ankita Sharma

    Health Insurance

    Indubala Nambiar

    We will continue to avail of your scheme

    Thank you for settling the claim amount. It helped me a lot during my tough time. The process is smooth and hassle-free. I will continue with Care Health Insurance and recommend it to my friends as well. 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. 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 hospitalization request related to my mother's operation. You were really helpful throughout. 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 holding payment or rejecting it outright on very flimsy grounds was not the case with Care health insurance, May your tribe grow more 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 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

    30 Lakh + Claims Settled^^

    cashless-claim

    Cashless claim approval
    in approx. 2 hours

    ^^number of claims settled as on February, 2022

    FAQS on Maternity Insurance Plan

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    Most Frequently Asked 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.

    *Claim Settlement Ratio is for FY 19-20 and number of claims settled till February 2022.
    ^^Number of Cashless Healthcare Providers till 25th March 2022
    **10% discount is applicable for a 3-year policy

    Joy complete plan details

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