Care Maternity health insurance

Care health insurance - Maternity review

• Care Maternity mediclaim policy – Highlights

  Minimum entry age	Adult : 18 years, children : 1 day, New born : 1 day
  Maximum age	Adult : 65 years, children : 24 years, New born : 90 days
  Exit age	Lifelong
  Renewal	Lifelong renewability. The policy can be renewed under the prevailing health insurance with maternity benefit product or its nearest substitute approved by IRDAI.
  Co-payment (Sum Insured 5 lakhs & above)	If you enroll at the age of 61 years or more, you will have to pay 20% of the claim amount under the policy. We pay the rest.
  Waiting period	30 days for any illness except injury. 9 months for maternity. 2 years for specific treatments/ illness. 4 years for pre existing diseases.
  Grace period	30 days from the date of expiry to renew the policy
  Policy tenure	3 years
  Maternity cover	Available only up to 45 years of age.

• Care Maternity medical insurance - Features

  Hospitalization & Day care treatment :
  If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours, we pay from room charges to operation theatre charges and more. We also pay for your medical expenses if you undergo even a day care treatment at a hospital that requires hospitalization for less than 24 hours - we cover a comprehensive range of 170 day care treatments, the highest in industry. You will also get cashless treatment at our over 4000+ network hospitals and reimbursement in any other hospital of your choice.
  
  Maternity cover health insurance:
  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!
  
  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..
  
  Pre and post hospitalization cover:
  We cover the 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..
  
  Ambulance cover:
  It is our utmost concern that you get the medical attention you require as soon as possible, especially in an emergency. We will reimburse you for expenses that you incur on an ambulance service offered by the hospital or any service provider, in an emergency situation.
  
  No claim bonanza (optional cover):
  We believe that good health should not only be celebrated but rewarded as well. That's why JOY comes with the No Claim Bonanza feature, wherein, if there are no claims during the policy tenure of 3 years, you receive a bonus of 100% of your sum insured.
  
  Longer Policy Term (3 year policy):
  We want to ensure that you consistently stay healthy and happy. That's why we have reduced the hassles by making JOY a 3 year policy. This means you don't have to worry about policy renewal and instead, focus on what's important – your baby.
  
  Tax Benefit:
  Our Care Joy health insurance plan also enables you to avail of a tax benefit on the premiums you pay towards your health insurance, as per prevailing tax laws of the Income Tax Act.
  
  Free Look Period:
  We have your best interests at heart and at the same time recognize that you know your needs best. Hence, after purchasing the policy, if you find it unsuitable, you can cancel and return the policy to us with no questions asked. Our policies come with a free-look period of 15 days from the date of receipt of Policy.

• Care Maternity mediclaim insurance – Benefit table

  Sum Insured - On annual basis	Joy Today Rs. 3 Lakhs / Rs. 5 Lakhs	Joy Tomorrow Rs. 3 Lakhs / Rs. 5 Lakhs
  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
  Hospitalisation Expenses	Yes, up to Sum Insured	Yes, up to Sum Insured
  Day Care Treatment	Yes	Yes
  Pre-Hospitalisation	Up to 30 days	Up to 30 days
  Post-Hospitalisation	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 lakhs sum insured Up to Rs. 50,000 for 5 lakhs sum insured	Up to Rs. 35,000 for 3 lakhs sum insured Up to Rs. 50,000 for 5 lakhs sum insured
  Newborn Baby Cover	Up to Rs. 30,000 for 3 lakhs sum insured Up to Rs. 50,000 for 5 lakhs sum insured	Up to Rs. 30,000 for 3 lakhs sum insured Up to Rs. 50,000 for 5 lakhs sum insured
  New Born Birth Defects	No	Lump sum – Rs. 50,000
  Initial Wait Period	30 Days	30 Days
  Named ailments	24 months	24 months
  Pre-existing Diseases	48 months	48 months
  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

• Care Maternity insurance - Exclusion

  • Any pre-existing injury or physical condition
  • Any intentional self-inflicted injury, suicide or attempted suicide, sexually transmitted conditions, mental or nervous conditions, insanity, disorder, anxiety, stress or depression
  • The Insured Person flying in an aircraft other than as a fare paying passenger in a Scheduled Airline
  • The Insured Person engaging in sporting activities in so far as they involve the training for or participation in competitions of professional sports, unless declared beforehand and agreed by the Company in writing subject to additional premium being received and incorporated accordingly in the Policy
  • Insured Person serving in any branch of the military, navy or air-force or any branch of armed Forces or any paramilitary forces
  • Any claim related to Hazardous Activities
  • Persons whilst working with in underground mines, explosives, press, activities like racing on wheels or horseback, winter sports, canoeing involving white water rapids, any bodily contact sport
  • Claim arising out of mental illness, stress, psychiatric or psycho logical disorders.