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Maternity Health Insurance with New Born Baby Cover - JOY

About Maternity Insurance

Maternity health insurance plan or is designed to provide coverage for the expenses related to delivery and maternity care. Welcoming a baby is the most cherished moment in a person’s life. Being financially ready is one among the many responsibilities for the parents-to-be. It is time to give the new-born baby the same care and support that our parents once gave us. Yet, the journey of pregnancy brings anxious moments and concerns about financial protection. With ‘JOY’, a maternity insurance plan by Religare Health Insurance, you can avail the best health care for the mother and baby without any worries.

Maternity Insurance Plan - Joy

One should consider buying a maternity insurance policy as soon as they are ready to start this joyful journey. Some of the prominent features to be noted while taking maternity health insurance include cashless treatment at network hospitals, baby cover and waiting period as low as nine months, etc. Brining new life to the world is altogether a joyful journey and come up with additional responsibilities. Joy- a maternity insurance plan covers all pregnancy-related expenses. Be it a normal delivery or a caesarean- all pre-natal and post-natal expenses, post-delivery care, and vaccinations.*

When Should I Buy Maternity Insurance?

You can buy maternity insurance when you are planning to start your family. Under our maternity insurance cover called “Joy Today” we cover maternity expenses after 9 months and in the case of another cover called “Joy Tomorrow,” we cover maternity expenses after 3 Years.

Advantages of JOY Maternity Insurance Plan

If you are looking for a maternity insurance plan that covers you and your new-born, Religare’s JOY maternity health insurance has to be a perfect choice. In addition to this, our health insurance plan also covers the medical bills of a newborn baby's for up to 90 days from the date of birth. JOY’s thoughtfully designed features include:

  • A perfect combination of hospitalization and maternity insurance.
  • Cover for the new-born baby
  • Long-term policy tenure of 3 years
  • 100% increase in sum insured with No Claim Bonanza (Optional Cover)

Highlights of Maternity Health Insurance Plan

  • In-patient Care
  • Day Care Treatment
  • Maternity Cover
  • New-born Baby Cover
  • No Claim Bonanza(Optional Cover)
  • Single Private Room with AC

Key Features you get with JOY Maternity Health Policy -

Plan Details
Plan Name Joy Today Joy Tomorrow
Sum Insured – On annual basis 3 Lac / 5 Lac 3 Lac / 5 Lac
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
Benefits
  Hospitalisation Expenses
    In-Patient Care Yes Yes
    Day Care Treatment Yes Yes
  Pre-Hospitalisation Medical Expenses
?
Up to 30 days Up to 30 days
  Post-Hospitalisation Medical Expenses
?
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 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 Cover
?
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 Birth Defects No Lump sum – Rs. 50,000
Wait Periods
  Initial Wait Period 30 Days 30 Days
  Named ailments 24 months 24 months
  Pre-existing Diseases 48 months 48 months
Sub-limits
  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

For complete product details, kindly refer Prospectus and Sales Literature in the Download Section. Click here

Key Benefits of Maternity Insurance Plan - JOY

Maternity Cover

With JOY maternity insurance, your maternity-related expenses incurred with respect to hospitalization for delivery are covered.

New-born Baby Cover

JOY covers the medical expenses of your new born from birth till the completion of 90 days. When the 90-day is over, the baby would be covered under the regular policy upon payment of additional premium.

Comprehensive Maternity Expenses Coverage

  • In-patient Care (at least 24 Hrs of Hospitalization)

    If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours, we pay for everything – from room charges, nursing expenses and intensive care unit charges to surgeon’s fee, doctor’s fee, anaesthesia, blood, oxygen, operation theatre charges, etc.

  • Day Care (less than 24 Hrs of Hospitalization)

    We also take care of day-care treatment if your hospital requires hospitalization for less than 24 Hrs. Your medical expenses are covered along with a comprehensive range of day care treatments.

Importance of Joy - Maternity Health Insurance in India

Expecting women are more vulnerable to health problems. Maternity Health Insurance acts as a safeguard that protects them to get better healthcare during their pregnancy period without money crunch. Read below the importance of comprehensive maternity health insurance:

  • Longer Policy Term (3-year policy)-

    We want to ensure you to stay happy & healthy. That’s why we have reduced the hassles by making joy a 3 year long policy. So no need to worry about policy renewal

  • Cashless Hospitalization:

    You can opt for a cashless hospitalization facility at the time of your delivery. You do not need to make the arrangements for cash during an emergency.

  • Pre and Post Hospitalization Expenses:

    Maternity insurance offers cover for expenses incurred by the policyholder for a period of 30 days immediately before hospitalisation and 60 days after discharge from the hospital with a cap. Do refer policy T& Cs

  • New Born Baby Cover:

    The pregnancy insurance plan also has a new born baby cover. It means that the expenses of your new born from delivery to 90 days will be covered.

  • Direct Claim Settlement:

    We make claims procedures very simple. Either in the case of an emergency or a planned hospitalization, all you have to do is present the RHI JOY Health Card at our network of more than 7400+ network hospitals across India and avail the cashless service.

    If you have decided to choose a non-networked hospital, let us know directly about the claim and once we get the specified documents from you, we’ll process your claim.

  • Tax Benefit

    Opting for health insurance policy comes with a two-fold benefit. Not only does it ensure that you or your family can have good medical care, it also enables you to avail of a tax benefits on the premiums you pay towards your health insurance, as per the prevailing tax laws of the Income Tax Act, 1961*.

  • Free Look Period

    Are you still unsure if you have taken the right policy? Just like all our other policies, JOY has a free look period. Within this period, if no claim has been made, we will refund the insurance premium received after deducting proportionate risk premium for the period on cover, expenses for medical examination and stamp duty charges, as applicable.

    You can opt for 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.

FAQs on Maternity Insurance Plan

What is Maternity Health Insurance and How Does it Work?

Motherhood is the most important phase in every woman’s life. Although the journey is hard for a couple, maternity health insurance can ease it. So, if you are on the way to start a family, then go for a maternity insurance plan. It is a type of health insurance that covers maternity expenses related to normal delivery or caesarean along with new born baby care up to a defined sum insured limit.

When Should I Buy Maternity Health Insurance Plan?

You can buy a maternity insurance plan when you are ahead to plan a family. Under our maternity/pregnancy insurance cover “Joy Today” we cover maternity expenses after 9 months and in the case of another cover called “Joy Tomorrow,” we cover maternity expenses after 2 Years.

Can i get Maternity Health Insurance while Pregnant?

Yes, you can take maternity insurance when you are ready to welcome your bundle of joy. However, the benefit is only available if the delivery happens after the waiting period. So, it is advisable to buy maternity insurance as early as possible. Religare’s Joy Maternity Insurance Plan will provide the essential coverage.

What is covered under Maternity Insurance?

Maternity health insurance plan covers the following:

  • Expenses related to your delivery and maternity care
  • New-born baby care from the day of birth to ninety days
  • Hospitalization expenses including day care treatment as well as in-patient care
  • Pre- & Post hospitalization maternity expenses

What is the Waiting Period for Maternity Insurance?

We have two maternity health insurance products their respective waiting period is mentioned as below:

  • Joy Today: 9 months
  • Joy Tomorrow: 3 years

What is the Eligibility Criteria for Maternity Health Insurance?

The eligibility for maternity health insurance is:

  • Minimum Age: Adult: 18 years or above
  • Maximum Age: 45 years

How do I get Health Insurance for my New-born?

With RHI, you would get insurance coverage for your new-born when you take our Joy Maternity Insurance Plan. This plan would cover the expenses of the medical needs of your new born up to 90 days from the date of birth.

Why Religare Health Insurance

We strive to deliver a comprehensive set of services and features so that this memorable new chapter in life begins on a perfect note.

Our experts are in tune with the most modern requirements of maternal and child health and will remove any hassles that may crop up. You get access to the best healthcare facilities in the country – more than 7800+ establishments that are part of our network. Do not get distracted by medical bills and related expenses when all you should think about is ushering your bundle of JOY into this exciting world.

About Religare Health Insurance

Religare Health Insurance endeavours to provide easy access to quality healthcare for its customers by offering them cashless health insurance at its 7800+ network hospitals. With cashless hospitalisation facilities and hassle-free claims procedures, individuals and families can be focused on getting quality treatment in a timely manner.

We are committed to delivering impeccable services by providing health insurance & specific geographic travel insurance while guaranteeing the benefits of hassle-free claims procedures.

Call:1800-102-4488|1800-102-6655

Disclaimer: Information above is just for reference. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.

UIN: IRDA/NL-HLT/RHI/P-H/V.I/7/13-14. UAN2: 19032850.

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