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Religare joy policy which covers maternity expences

The JOY of maternity – assured!


At Religare Health Insurance we believe the miracle of life is one of the most joyous experiences one can ever have. That’s why we have designed ‘JOY’ - that not only covers hospitalization expenses during pregnancy but also addresses your maternity and health needs, for both today and tomorrow.

‘JOY Tomorrow’ - Health Insurance Policy with Maternity and new born cover has unique features like -

  • Cashless treatment at 4500+ hospitals
  • A perfect blend of hospitalization and maternity insurance
  • 'Waiting period' of 24 months for maternity related claims.
  • New born baby cover
  • 100% increase of sum insured with no claim bonanza
Some of the features which you get with Joy health policy are -

 Longer Policy Term (3 year policy)
We want to ensure that you consistently stay healthy and happy. That's why we have reduced the hassles by making JOY a 3 year policy. This means you don't have to worry about policy renewal and instead, focus on what's important – your baby.
 Get Tax Benefit joy tomorrow
Our Joy plan also enables you to avail of a tax benefit on the premiums you pay towards your health insurance, as per prevailing tax laws of the Income Tax Act.
 Free Look Period
We have your best interests at heart and at the same time recognize that you know your needs best. Hence, after purchasing the policy, if you find it unsuitable, you can cancel and return the policy to us with no questions asked. Our policies come with a free-look period of 15 days from the date of receipt of Policy.

 Hospitalization & Day care treatment
If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours, we pay from room charges to operation theatre charges and more. We also pay for your medical expenses if you undergo even a day care treatment at a hospital that requires hospitalization for less than 24 hours - we cover a comprehensive range of 170 day care treatments, the highest in industry. You will also get cashless treatment at our over 4500+ network hospitals and reimbursement in any other hospital of your choice.
 Maternity cover
We will cover maternity-related expenses incurred with respect to hospitalisation for the delivery of the child. What’s more, we even cover pre and post-natal expenses!
 Newborn baby cover
We will also cover the medical expenses of your dear newborn from birth till the completion of 90 days. After 90 days, your baby would be covered under the regular policy upon payment of additional premium.
 Pre and post hospitalization cover
We cover the related medical expenses incurred by you even 30 days before your hospitalization. There may also be follow-up visits to your medical practitioner, medication that is required etc. We cover the related medical expenses incurred by you after your hospitalization also, for a period of 60 days.
 No claim bonanza (optional cover)
We believe that good health should not only be celebrated but rewarded as well. That's why JOY comes with 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.
 Single private room with AC
Single private room with AC
Plan Details
Sum Insured – On annual basis Rs. 3 Lakh Rs. 5 Lakh
Hospitalisation Expenses Yes, up to Sum Insured Yes, up to Sum Insured
Room Category Single Private Room with AC Single Private Room with AC
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 Up to Rs. 50,000
Newborn Baby Cover Up to Rs. 30,000 Up to Rs. 50,000
No Claim Bonanza (Optional Benefit) Yes Yes
New Born Birth Defects Lump sum Rs. 50,000
What is not covered? 
  • Any pre-existing ailment/injury that was diagnosed/acquired within 48 months prior to issuance of the first policy
  • Any diseases contracted during first 30 days of the policy start date except those arising out of accidents
  • Non-allopathic treatment.
  • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
  • Cost of spectacles/contant lenses, dental treatment
  • Medical expenses incurred for treatment of AIDS
  • Congenital disease
  • Tests and treatment relating to infertility and in-vitro fertilisation.
Policy Terms
Entry Age - Minimum Adult: 18 years
Child: 1 Day
New Born: 1 Day
Entry Age - Maximum Adult: 65 years
Child: 24 years
New Born: 90 Days
Exit Age Lifelong
Cover Type Individual / Family Floater
Renewal Lifelong Renewability. The policy can be renewed under the then prevailing Health Insurance with Maternity Benefit Product or its nearest substitute approved by IRDA
Co-payment If you enroll at the age of 61 years or more, you will have to pay 20% of the claim amount under the policy. We pay the rest.
Waiting Period 30 days for any illness except accident
24 months for maternity
2 years for specific treatments/illness
4 years for pre-existing diseases
Grace Period 30 days from the date of expiry to renew the policy
Policy Tenure 3 years
Maternity Cover Available only up to 45 years of age

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