Care Joy Health Plan
  • Plan Covers Mother & Her New-Borns
  • Option to Choose From Two Variants
  • Check-out the Key Benefits of the Plan

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D.O.B (eldest member)



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Care Joy Plan (Formerly known as Religare Joy Plan)

Joy Health plan is a specially designed maternity plan that offers coverage to expecting mothers and their newborns. The prime objective of this plan is to give maternity coverage to the parents at an affordable premium and reduce the couple's financial worries about delivery-related expenses.

The Care Joy comes in two variants, that offer different benefits and gives the customer a choice to choose as per their needs and requirements. The 2 available variants are:

  • Care Joy Today
  • Care Joy Tomorrow

The plan gives coverage to both individuals and families for various hospitalization expenses supplementary to multiple health benefits.

Continue reading to find out more about this plan.

Eligibility Criteria of Care Joy

Care Joy Plans Joy Today Joy Tomorrow
Minimum Age of EntryFor adults-18 years
For children- 1 day to 24 years
For adults-18 years
For children- 1 day to 24 years
Maximum Age of Entry45 years45 years
Sum Insured Amount3 lakhs / 5 lakhs3 lakhs / 5 lakhs
Number of Members CoveredIndividual Plan: maximum of 6 members
Family Floater: 2 adults/ 2 adults one child/ 2 adults 2 children
Individual: maximum of 6 members
Family Floater: 2 adults/ 2 adults one child/ 2 adults 2 children
Policy Tenure3 years1 year/2 years/3 years

**Last Updated on 06-04-2021

What Are The Key Benefits Of Care Joy (Formerly known as Religare Joy Plan)?

  • No Claim Bonus: The insurer will provide a 100% no claim bonus on the sum insured if the policyholder does not claim for continuous 3 years of the policy.
  • Cashless Facility: Care Health Insurance allows you to avail of the cashless facility at the time of the delivery and ensures that you concentrate fully on welcoming your little bundle of joy and not on arranging the cash.
  • Free Look Period: This plan provides 15 days of free look period to evaluate the terms and conditions of the policy, and if unsatisfied, you have the right to cancel the policy and get a refund.
  • Portability: Care Joy comes with the advantage of portability where all the benefits in the shape of cumulative bonuses and reduction of waiting periods will be transferred to the new policy.
  • Tax Benefit: Along with providing good medical care for mother and infant, the plan enables you to avail of tax benefits on the premium you pay for it as per the Income Tax Act 1961.

Sample Premium Illustration of Care Joy

For a better understanding of how Care Joy works, we have mentioned below an example through which you can get an idea of how much you need to pay under this plan in different scenarios:

Scenario 1:

Mr. & Mrs. Verma, aged 30 and 29 years respectively, have decided to buy Care Joy Tomorrow. Now let's have a look at how much premium they need to pay for the same:

Joy Tomorrow
Policy Term Sum Insured Options (in Rs.)
3 Lakhs 5 Lakhs
1 Year21,97129,131
2 Year40,64853,894
3 Year59,32478,657

**Last Updated on 06-04-2021

Illustration of Premium payable under Care Joy Tomorrow

What Does Care Joy Cover?

Coverage Table of Care Joy
Parameters Joy Today Joy Tomorrow
In-Patient CareCoveredCovered
Pre-HospitalizationCovered, up to 30 daysCovered, up to 30 days
Post-HospitalizationCovered, up to 60 dayCovered, up to 60 day
Day Care Procedures (for treatments requiring less than 24 hours)CoveredCovered
Ambulance Cover (transportation to nearby hospitals in emergencies)Up to a limit of 1000 per claimUp to a limit of 1000 per claim
Room RentSingle room with ACSingle room with AC
Maternity Expenses (delivery, pre, and postnatal expenses for up to 45 years of age)Up to Rs. 35,000 for 3 Lac SI
Up to Rs. 50,000 for 5 Lac SI
Up to Rs. 35,000 for 3 Lac SI
Up to Rs. 50,000 for 5 Lac SI
Newborn Baby Expenses (cover expenses for 90 days from the date of birth)Up to Rs. 30,000 for 3 Lac SI
Up to Rs. 50,000 for 5 Lac SI
Up to Rs. 30,000 for 3 Lac SI
Up to Rs. 50,000 for 5 Lac SI
New Born Baby DefectsNot coveredLump-Sum payment of Rs 50,000
Co-payment20% (Applicable where the age of the eldest member at entry is 61 years or above)20% (Applicable where the age of the eldest member at entry is 61 years or above)
Waiting Periods
Initial Wait Period30 Days30 Days
Named ailments24 months24 months
Pre-existing Diseases48 months48 months

**Last Updated on 06-04-2021

What is Not Covered Under A Care Joy Health Plan (Formerly known as Religare Joy Plan)?

  • HIV/AIDS that are sexually transmitted.
  • Non-allopathic and OPD treatment.
  • Injuries forming due to warlike activities, weapons, chemicals release, capture, arrest, enemy attack, criminal activities, radioactivity, etc.
  • Treatment done outside the boundaries of India.
  • Congenital defects or anomalies, mental illness, psychological disorders, etc.
  • Cosmetic or plastic surgery, dental treatment, routine eye, and ear check-up.
  • Self-damaging activities like suicide, intake of alcohol and hallucinogenic substance, smoking, etc.

Care Health Insurance Plans (Formerly Known As Religare Health Insurance)

Care Health Important Links


Age LimitRs 3 lakhRs 5 lakh
Till 45 yearsNot requiredNot 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 coverageEntry age of the insured
IndividualMore than or equal to 61 years
FloaterMore 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

Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.1/5 (52 Total Rating)

August 16, 2021

Ram Dulari


Very nice company. I am very happy and fully satisfied with its services. God bless us all. 5 star to the whole team... WELL-DONE

August 16, 2021



Religare Health Insurance is a nice company. and the way helps its customers in understanding the process is commendable. I am very much impressed.

August 6, 2021

Manish Singhal


PolicyX helps me to find the best suitable plan for me and my family. They have a very professional salesperson and also I am very much happy with the service of Religare Health.

August 6, 2021

Sapna Khurana


One of the best health insurance company I have ever come across. Thank you for assisting me at every step. I must say the team of PolicyX is very patient and hard-working. Thanks once again

August 6, 2021

Raj Kumar


Received my reimbursement claim amount within a span of 8 days. Thank you for helping me out in choosing such a great company. Keep up the good work Religare

Last updated on 06-04-2021

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