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Maternity & Newborn Cover with Health Insurance

Welcoming a child home is the most beautiful thing that can happen to anyone. This moment to cherish comes with equally wonderful responsibilities – that of a selfless guardian, a loving parent. Just like our parents did their best to make us who we are, we too want to give our children the best – and it begins from the time they are born. It is also a nervous time when you want to be completely sure that both mother and child receive the best care and for that, you need financial protection. We, at Religare Health Insurance designed JOY with love and understanding.

Joy Maternity Insurance Plan

JOY is a modern insurance product, one which addresses all the questions and uncertainties that you may have about this new chapter in your family’s life. It takes care of your maternity and related health insurance needs not just for today, but also for tomorrow. The JOY maternity insurance plan covers hospitalization expenses during pregnancy and also the post-hospitalization phase.

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 6000 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.

Advantages of JOY Maternity Insurance Plan

Along with maternity and newborn insurance coverage, JOY has many thoughtfully designed features which include:

  • A perfect combination of hospitalization and maternity insurance.
  • Short 9 month waiting period for maternity-related insurance claims.
  • 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 JOY Maternity Insurance Plan

  • In-patient Care
  • Day Care Treatment
  • Maternity Cover
  • Newborn Baby Cover
  • Pre & Post Hospitalisation Cover
  • No Claim Bonanza
  • Single Private Room with AC

Some of the features which you get with Joy health policy are -

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)
(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
    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
  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 JOY Maternity Insurance Plan

Maternity Cover

With JOY maternity insurance, your maternity-related expenses incurred with respect to hospitalization for delivery are covered. We also cover pre and post-natal expenses!

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 Coverage

  • Hospitalization Expenses
    • 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 hours. Your medical expenses are covered along with a comprehensive range of day care treatments.

  • Pre-Hospitalisation (Up to 30 days)
    • Examination, tests, and medication

      Joy covers all expenses related to diagnostics and pre-hospitalization medication.

    • Getting to the hospital

      Getting to the hospital for delivery should be done with utmost care with the best mobile facilities. JOY strives to ensure that you get the required medical attention as soon as possible. You will get reimbursements on expenses that you incur on an ambulance service offered by the hospital or any service provider, in an emergency situation.

  • Post-Hospitalisation (Up to 60 days)

    Joy covers post hospitalization expenses such as cost of follow-up visits, medication, tests and so on.

Unique Benefits of JOY Maternity Insurance Plan

JOY is uncomplicated and clear-cut geared to assure you maximum convenience.

Longer Policy Term (3-year policy)-

Longer policies equal to fewer procedures and hassles. So we made JOY a 3-year policy.

Zero Payment Treatment -

No running around for bills, no anxious waits for reimbursement. Our wide range of network hospitals will cover zero payment treatment.

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 4000 leading 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 enables you to avail tax benefits on the premiums you pay towards your health insurance, as per 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.

Pre-Policy Medical Checkup

For Religare Health Insurance policies, we require you to undergo medical tests that help us understand your current health and future health needs better. We cover the cost of the medical test cost.


Disclaimer: 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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