Care Joy Plan

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.

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.

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.

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.

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.

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.

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.

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

Coverage status under Care Joy Plan?

Not covered

A common eye condition in which your vision gets blurred.

Coverage status under Care Joy Plan?

Not covered

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.

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

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

Coverage status under Care Joy Plan?

Not available

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

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:

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

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

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

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.

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

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.

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

Coverage status under Care Joy Plan?

Not available

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

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.

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

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

Coverage status under Care Joy Plan?

Not available

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:

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