Care Joy Plan
  • Get cover for your newborn baby
  • Cover more than 541 Daycare treatments
  • Coverage for modern-age treatments
Buy Policy in just 2 mins

Buy Policy in just 2 mins

Happy Customers

2 lakh + Happy Customers

Free Comparison

Free Comparison

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

Care Joy Plan

An ideal combination of hospitalization and maternity care.

Care Joy health insurance is designed specifically for expecting mothers and their newborns to offer them several well-known benefits. It covers the cost of normal delivery and caesarean delivery along with the 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.

Care Joy Plan Specifications

Care maternity plan provides comprehensive coverage for both the mother and her child. To know more about the care joy policy, take a look at the below table of its specifications:


Care Joy Today, Care Joy Tomorrow

Sum Insured

Care Joy Today: 3 Lakhs, Care Joy Tomorrow: 5 Lakhs

Age Eligibility

Maternity Cover - Adult: 18 - 45 years | New born: 1 day - 90 days, Family Floater: Adult: 18 - 65 years | Child: 1 - 24 years

Plan Type

Individual & Family floater

Policy Term

1 | 2 | 3 Years

Initial Waiting Period

30 Days

*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.

Read more specifications in the brochure.

Choose your Care Joy Plan

Care joy maternity insurance plan offers various healthcare facilities under its coverage for the mother and baby with several other prominent features. Below mentioned are the coverage benefits under the care maternity plan.

In-patient & Out-patient coverage

Room Rent

Single Private AC Room

ICU Charges

Not Covered


Covered up to 30 days


Covered up to 60 days

Domiciliary Hospitalization

Not Covered

Daycare Treatment


OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Not Covered


Not Covered

No Claim Bonus

Available under a rider

Automatic Restoration

Not Available

Daily Hospital Cash

Not available

Organ Donor

Not Covered

Maternity Cover

Covered up to 35K

New Born Baby Cover

Covered up to 30K

Alternative Treatments

AYUSH Treatment

Not Covered

IVF Treatment

Not Covered

Modern Treatment

Not Covered

Emergency Coverage


Covered up to 1K per claim

Air Ambulance

Not available

Compassionate Travel

Not available

Global Coverage

Not available

Wellness Programmes


Not available

Health Check-Up

Not Covered

Second Medical Opinion

Not available


Not Covered



20% of claim amount


Not Applicable

What is Room Rent?

Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under Care Joy Plan?

Under this plan, a policyholder can get coverage for a Single Private AC room.

What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Care Joy Plan?

ICU charges are not covered under this plan.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Care Joy Plan?

This plan covers medical expenses of up to 30 days before your hospitalization.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Care Joy Plan?

This plan covers medical expenses of up to 60 days after you get discharged from the hospital.

What is Domiciliary Hospitalization?

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.

Coverage status under Care Joy Plan?

The domiciliary hospitalization is not covered under this plan.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Care Joy Plan?

This plan covers more than 540 day care treatments.

What are OPD charges?

The cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under Care Joy Plan?

This plan does not cover OPD charges.

What is COVID-19 Treatment?

Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under Care Joy Plan?

Not covered

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under Care Joy Plan?

Not covered

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under Care Joy Plan?

This plan offers no-claim bonus as a rider benefit.

What is Automatic Restoration?

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under Care Joy Plan?

Not available

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under Care Joy Plan?

Not available

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Care Joy Plan?

Not covered

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under Care Joy Plan?

Care Joy itself is a maternity-oriented plan that covers maternity expenses as well as pre and post-natal expenses. The coverage amount depends on the selected SI as mentioned below:

Sum insured3 Lakhs5 Lakhs
Maternity CoverCovered up to 35KCovered up to 50K
What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the new born cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under Care Joy Plan?

Newborn baby expenses are covered under this plan and the coverage amount varies on the basis of selected SI.

Sum insured3 Lakhs5 Lakhs
New Born Baby CoverCovered up to 30KCovered up to 50K
What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under Care Joy Plan?

Not covered

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Care Joy Plan?

Not covered

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under Care Joy Plan?

Not covered

What is an Ambulance Cover?

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under Care Joy Plan?

This plan covers Ambulance charges of up to 1K per claim.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Care Joy Plan?

Not available

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under Care Joy Plan?

The policy does not cover compassionate travel expenses.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under Care Joy Plan?

Not available

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Care Joy Plan?

Not available

What is a Health Checkup?

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under Care Joy Plan?

The policy does not cover health check-ups.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under Care Joy Plan?

Not available

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Care Joy Plan?

Not available

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Coverage status under Care Joy Plan?

Below mentioned are the co-payment limitation under this plan:

Sum Insured3 Lakhs5 Lakhs
Co-payment20% of the claim amount (if enrolled at 61 or above)20% of the claim amount (if enrolled at 61 or above)
What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to pay by the policyholder.

Coverage status under Care Joy Plan?

Not applicable under this plan

Care Health Insurance Network Hospital List

Care Health Insurance promises a wide Network of cashless Hospitals across India. A well connected network of over 19000+ cashless hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in

Care Joy Exclusions

Permanent Exclusions

The following diseases or medical conditions are not covered under Care Joy Plan:

Injuries resulting from a suicide attempt

Hospitalization due to alcohol, and drug abuse

Cost of spectacles, contact lenses, and dental treatment

Treatment of AIDS

Congenital Disease

Non-allopathic treatment

Treatments related to infertility and in-vitro fertilization

Coverage after Waiting Period

Some treatments are covered after a defined waiting period under this plan. To know more, read below:

Pre-Existing Diseases after 4 years

Specific ailment after 2 years

Maternity after 9 months

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 the variants with different sum insured and the number of members insured based on a policy term of 1 year.

Care Joy Today

Sum InsuredAgeWaiting period1 Adult (female)2 Adult + 1 Child
3 Lakhs30 Years9 Months54,29864,057

Care Joy Tomorrow

Sum InsuredAgeWaiting period1 Adult (female)2 Adult + 1 Child
5 Lakhs30 Years9 Months74,43986,159

Explore Care Health Insurance

Care health insurance offers a simple, quick, and hassle-free claim and buying process for care joy maternity insurance plans. Know more about Care Health Insurance plans, claim process, buying process, and contact details of the company by clicking on the sections below:

Claim Process

Click to know Care Health Insurance Claim Process.

Buying Process

Click to know Care Health Insurance Buying Process.

Contact Us

Feel free to contact Care Health Insurance for more details.

Renewal Process

Click here to Renew Care Health Insurance Online

Premium Calculator

Click here to Care Health Insurance Premium Calculator


Claim Settlement Ratio

Click to know Care Health Insurance Claim Settlement Ratio

Explore Other Care Health Insurance Plan

Care health insurance offers care maternity insurance(Care joy insurance) along with other 12 health insurance plans. You can find other popular mediclaim policies offered by the Care Health Insurance company in the section below:

A comprehensive health plan for individual and family with SI of 3 lacs to 6 Cr. with global coverage.

Unique Benefits

  • In-built maternity cover
  • No upper age limit for enrollment
  • Coverage for modern treatments

Comprehensive health plan for people above 60 to make their second inning stress-free from health-related financial worries.

Unique Benefits

  • No pre-policy Medical Checkup
  • Lifelong Renewability
  • Automatic SI Recharge

Get medical coverage for pre-existing diseases like BP, diabetes without any waiting period by bearing a co-pay of 20-30%.

Unique Benefits

  • No pre-policy checkup needed
  • Dialysis cover available
  • Annual Health Checkup

A super top-up health insurance plan to provide extra medical cover on the basis of policy deductible principle.

Unique Benefits

  • Covers modern treatment
  • Flexible options of deductible
  • No pre-policy medical test

A comprehensive family floater plan that decides your policy premium based on the living cost of the city you reside in.

Unique Benefits

  • Covers IVF treatment
  • Compassionate travel coverage
  • Unlimited e-consultation

Enjoy the advantage of 1 crore cover and multiple benefits at lower monthly premiums with this affordable individual & family floater plan.

Unique Benefits

  • No bonus claim up to 50%
  • Automatic SI recharge
  • Organ donor cover

Care Arogya Sanjeevani

A standard comprehensive plan mandated by IRDAI that offers coverage for both Ayurvedic or Allopathic treatments.

Unique Benefits

  • AYUSH Treatment
  • Pre and Post hospitalization
  • 5% cumulative bonus

Care Cancer Mediclaim

Offers lifelong coverage against cancer and the cost of its treatment with several other benefits.

Unique Benefits

  • Annual Health Checkup
  • Chemo and radiotherapy cover
  • Air Ambulance Cover

Care Critical illness

Offers coverage against 32 critical illnesses that are pre-defined under the policy such as catastrophic burns, coma, etc.

Unique Benefits

  • Psychiatric Counselling
  • Dialysis Cover
  • Organ Donor Cover

Care for 45+

A comprehensive plan that takes care of your medical needs in your late 40s.

Unique Features

  • Organ Donor
  • Emergency Ambulance
  • Annual Health Checkup

Individuals with pre-existing cardiac diseases can get coverage against medical treatments by paying 20-30% of co-payment for every claim.

Unique Benefits

  • Cardiac Health Checkup
  • Second medical Opinion
  • Automatic SI Restoration

Care Plus

Extremely flexible family health plan, allowing you to increase SI amount based on inflation rates.

Unique Benefits

  • 200% increase in cumulative bonus
  • Earn rewards for being fit
  • Unlimited SI recharge

Health Insurance Articles

Care Joy Plan: FAQs

1. Does the policyholder need to go for pre-policy medical check-up?

Age LimitRs 3 lakhRs 5 lakh
Till 45 yearsNot requiredNot required

2. Does Care Joy include any co-payments?

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

3. What is the time period of notification of claim?

  • For planned hospitalization, inform within 48 hours before the actual treatment takes place.
  • For emergency hospitalization, inform within 24 hours of hospitalization.

4. What documents are required to support a claim?

  • 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.

5. What is the process for a cashless claim?

  • 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.

6. What is the process to claim reimbursement?

  • 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.

7. What information we have to provide at the time of intimation?

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.

8. Does Care Joy cover arthritis/cataract/kidney stones?

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

Read Reviews & Ratings

Customer Review Image

Mahesh Malvesh


September 14, 2022

Thanks Manoj for suggesting Best plan and even for your patience level with good knowledge and exp l..really happy to see policy x help and Good exp in industry.. Keep going Good always in fut...

Customer Review Image

Vidyut Sharma


May 25, 2022

I am in love with the facilities Religare Health Insurance offers. It is one of the best health insurance companies available in the market at the moment. I would definitely recommend this to e...

Customer Review Image



February 17, 2022

I am using their health insurance and used it for COVID19 treatment. I am so happy that covid treatment was handled by them. due to lockdown, i was facing money-related problems but their cashl...

Customer Review Image

Ram Dulari


August 16, 2021

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

Customer Review Image



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.

Customer Review Image

Manish Singhal


August 6, 2021

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.

Customer Review Image

Sapna Khurana


August 6, 2021

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 o...

Customer Review Image

Raj Kumar


August 6, 2021

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

View All Care Health Insurance Reviews