Care Health Family health insurance plans provide coverage for the entire family within the scope of a single health plan. find quotes, compare & buy Care Health Quotes for Family
Buy Joy - Maternity Health Insurance for FamilyMinimum 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. |
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 Health offers a free look period to review it’s policy terms and conditions. In case one is not satisfied with the same, one can request for cancellation of their policy during this period. The insured will be charged the pro-rated premium for the period during which your policy was in-force, the cost of pre-policy health check-up, if any, and the stamp duty. The balance premium would be refunded.
Also, one can request for cancellation of your policy at any time during the policy period post the free look period. In this case, the refund of the premium amount is as per the short scale grid, which is shared as part of the Policy Terms and Conditions sent as part of the policy kit. However, in case you of any claim being reported with Care, the insured will not be entitled to any refund of premium on cancellation of the policy.
Yes, Maternity is an inbuilt coverage for all plans where the primary sum insured is ₹50, 60 and 70 lacs. For the remaining plans the Maternity coverage can be opted for by the insured.
Review Care health insurance - Maternity brochure to understand coverage details.
Know more »Review Care health insurance - Maternity policy wordings which explains the terms and conditions.
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