Care Joy Maternity Insurance Plan - Online Reviews, Policy Benefits
Buy Now
Summarize with
ChatGPT Claude Perplexity
Care Health Insurance Care Health Insurance ★ 4.4

Care Joy Plan

Care Joy health insurance is designed specifically for expecting mothe ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
158+
Pan India presence
97%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,714 reviews
🏥 11,400+ hospitals
📊 1.74 solvency ratio
✅ 97% claim settlement

About Care Joy Plan

A quick read on what this Care Health Insurance plan covers and why it might be a fit for you.

Care Joy health insurance is designed specifically for expecting mothers and their newborns, offering several well-known benefits. It covers the cost of normal and caesarean deliveries along with other delivery-related expenses. Care Joy policy also allows family floater coverage so that you can cover your whole family under a single health policy.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 to 65 Years
Plan type
Women Health Insurance
Sum insured options
₹3 L, ₹5 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1,2,3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • 2 Plan variants
  • Newborn cover
  • Maternity cover

Cons

  • Illegal activities
  • Alcohol abuse
  • Limited ambulance cover

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Not covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Covered
  • IVF treatment Not covered
  • AYUSH treatment Not covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

Care Health Insurance Plan Detailed Review

Care Health Insurance Plan Detailed Review

Know the detailed review of care health insurance plans in Hindi. This video will explain all the available plans and care health insurance offers.

Care Health Insurance Network Hospital List

Care Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Sample premium

Indicative premium examples — your actual quote depends on age, declared medical history, sum insured and add-ons.

Care Joy Premium

For a better understanding of Care Joy premiums, we have shown two sample premiums below. The sample premiums are calculated for both variants with different sums insured and the number of members insured based on a policy term of 1 year.

Care Joy Today

Sum Insured Age Waiting period 1 Adult (female) 2 Adults + 1 Child
3 Lakhs 30 Years 9 Months 54,298 64,057

Care Joy Tomorrow

Sum Insured Age Waiting period 1 Adult (female) 2 Adults + 1 Child
5 Lakhs 30 Years 9 Months 74,439 86,159

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent diseases or health conditions not included under the Care Joy Plan are:
  • Hospitalization due to war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Non-allopathic treatments
  • Illegal activities
  • Alcohol or drug abuse
  • Certain diseases and treatments are covered under this plan after a specific time period:
  • Listed ailments after 2 years
  • Pre-existing diseases after 4 years

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 5 Lakhs

Other features & benefits

  • No claim bonus
  • Renewal
  • Lifelong renewability

Care Joy Plan: FAQs

The 8 most-asked questions about Care Joy Plan, answered.

Age Limit Rs 3 lakh Rs 5 lakh Till 45 years Not required Not required 46-above required required
A copayment is an agreed percentage of the claim amount which an insured have to pay or share with the insurance provider. Type of coverage Entry age of the insured Individual More than or equal to 61 years Floater More than or equal to 61 years
For planned hospitalization, inform within 48 hours before the actual treatment takes place. For emergency hospitalization, inform within 24 hours of hospitalization.
Fully completed claim form with signature. Doctor’s reference letter for hospitalization. Original bills, discharge summaries, receipts, and prescriptions. Original radiology/pathology reports/diagnostic tests results. Indoor case papers, ambulance receipts. All the bills and reports should be in the name of the insured person who is admitted for hospitalization.
In case of planned hospitalization, submit a pre-authorization form to your health insurance provider. In case of emergency hospitalization, intimate the insurer on an immediate basis about the claim. After notification of the claim, present health card at the network hospitals with KYC documents. On approval of authorization, the company will bear all the expenses incurred.
After notification of claim to the insurer, the insured must gather all the related documents of the hospitalization. The documents must get submitted under 15 days after the discharge of the insured. The insurer will settle the claim within a period of 30 days where insured will be issued claim settlement letter. Payment will be made within 7 days from the receipt of the claim settlement letter Any delay in the payment of the claim is subjected to receive an interest of 2% above the bank rate.
While informing the policyholder must disclose the following information- Policy Number Name of the policyholder and the insured for which claim has been made Nature of illness/injury Name and address of the hospital and doctor who is ministering the patient/insured Date of reception in the hospital Additional information may be required on the demand of the insurer.
Yes, this plan covers all these after a waiting period of 24 months. Apart from these, there are other illnesses that are covered after the same duration such as- Piles, Fistula in anus, gastric ulcers Hernia (all types), hydrocele Myomectomy for fibroids Varicose veins and ulcers Internal tumors, skin tumors, cysts, nodules, breast lumps etc

Conclusion

The Care Health Insurance Joy Plan is ideal for maternity needs but works best as an add-on due to l

Explore Care Health Insurance

Health Insurance Articles

Health Insurance Premium Calculator

PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.

Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 7 Aug 2023 · Originally published: 19 Nov 2024

Compare Health Insurance Plans

Select a company and plan for each side to see a detailed side-by-side comparison.

Other Health Insurance Companies

Star Health Insurance HDFC Ergo Health Aditya Birla Health ICICI Lombard Health Bajaj Allianz Health Tata AIG Health SBI Health Insurance Niva Bupa Health Insurance

Share your Valuable Feedback

Rating Icon 4.4

Rated by 2,681 customers

Was the Information Helpful?

Select Your Rating

We would like to hear from you

Let us know about your experience or any feedback that might help us serve you better in future.

Reviews and Ratings

Do you have any thoughts you'd like to share?

📞 Call Free