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Care Joy Plan

One of the most overwhelming experience is – The Miracle of Life. Motherhood or parenthood is a harmonious blend of enjoyable moments and sudden spouts of worries and concerns. That is when Care Health Insurance Joy Plan comes to your relief. While you focus on your new baby, the plan offers to cover all other related costs – from delivery to post-natal expenses. Overall, this plan is an ideal combination of hospitalization and maternity insurance.

Main Highlight of Care Joy plan

Covers cost for maternity and medical care or treatment for the newborn
Only nine months of waiting period for claims related to maternity
Cashless treatment at 4,758+ network hospitals
100% increase of Sum Insured with no claim bonanza
Co-payment of 20% applicable only if you enroll at the age of 61 years or more

Scope of cover

Indivdual Plan

Entry Age

For children : 1 day - 90 days

Maternity Cover: 45 years

Adults :

Minimum : 18 years

Maximum : 65 years

Number of Members Covered

Maximum Members : 6

Maximum Adults : 4

Maximum Children : 4

Sum Insured

3 lakh to 5 lakh

discount

No specific discounts

Policy Periods Available

3 years

Pre-Policy Medical Check-up

46 years & Above

Family Floater Plan

Entry Age

For New Born: 91 days

For Children: 91 days - 24 years

Adults :

Minimum : 18 years

Maximum : 65 years

Number of Members Covered

Maximum Members : 4

Maximum Adults : 2

Maximum Children : 2

Sum Insured

3 lakh to 5 lakh

Discount

No specific discounts

Policy Periods Available

3 years

Pre-Policy Medical Check-up

46 years & Above

Important Features

DAY-CARE TREATMENTS

Definition

DAY-CARE TREATMENTS

Includes surgical processes conducted using local or general anaesthesia which requires less than 24 hours of hospitalization because of technological advancement in healthcare. Each company has a specific list of processes which are covered under this category.

Covers costs towards 170 Day-Care treatments which do not need 24-hour hospitalization.

NO-CLAIM BENEFITS

Definition

No-Claim Benefits

Includes no claim benefits. If no claim is made during the policy period, you insurance company can offer you a cumulative bonus. While some companies provide increase in the sum assured annually upto certain limits. Some insurers provide discount on the renewal of premium.

If there are no claims made during the policy tenure of 3 years, you are entitled to receive a bonus of 100% of your sum insured.

PRE- HOSPITALIZATION

Definition

PRE- HOSPITALIZATION

Medical expenses incurred immediately before the insured individual is hospitalized are covered under this benefit. Usually, expenses up to 30 to 90 days before hospitalization are covered under the policy only after the in-patient hospitalization claim is accepted by the insurance company.

Care will compensate you for all medical expenses up to 30 days before hospitalization.

POST- HOSPITALIZATION

Definition

Post Hospitalization

Medical expenses incurred immediately after the hospitalization are covered under this benefit.The coverage under this benefit would be available only for approved in-patient hospitalization claim is accepted by the insurance company. Usually, expenses up to 30 to 180 days post discharge are covered under the policy.

You will be well covered for expenditures related to your hospitalization up to 60 days post discharge.

LONG-TERM POLICY TENURE

Definition

Long Term Policy Tenure

You can renew the policy every 3 years avoiding the hassle of quarterly or annual renewal

You can renew the policy every three years avoiding the hassle of quarterly or annual renewal.

Good to Have Benefits

EMERGENCY AMBULANCE

Definition

Ambulance Cover

Charges towards the ambulance service offered by the hospital or any other service provider in case of emergency will be paid for.

Care will reimburse you the charge towards the ambulance service offered by the hospital or any other service provider in case of exigency.

Terms and Conditions

ROOM RENT/ ROOM CATEGORY

Definition

Room-Rent Cover

Hospitals have a fixed tariff or rate chart for all rooms. Mediclaim depends on the amount of room rent limit specified in the policy document. The amount varies depending on the type of room category chosen.

If you have opted for this plan, you can avail a single private room with AC in any hospital, and the insurance company will accordingly compensate you for the related medical expenses.

CO-PAYMENT

Definition

CO-Payment

The fixed amount the policyholder has to pay for covered services when they get the service. When both insured and insurer pay part of the medical expenses, it is called as cost sharing. This is applicable based on the policy you choose.

If the age of the policyholder or the eldest member on the policy is more than 61 years, you will have to bear the 20% co-payment charges at the time of claim.

Waiting Period

COOLING OFF PERIOD

Definition

Cooling Off Period

The period begins right after commencement of the policy within which you cannot claim for any illness except claims related to accident. This period is not applicable for subsequent renewals.

If you decide to change your mind, you can return the policy and request for a refund within 15 days of the receipt of the policy documents.

SPECIFIC ILLNESSES

Definition

Specific-Illness

The ailments of specific severity listed in the policy document are included under this category.

You will have to wait for 24 months before making a claim for specific illnesses or treatments such as such as Cataract, Myomectomy for fibroids, and all types of Hernia/Hydrocele.

PRE-EXISTING

Definition

Pre-existing

The ailments that the insured was already diagnosed with before taking the policy.

You will have to wait for 48 months to claim for any pre-existing illness or an injury that you suffer before issuance of the first policy.

Value Adds

Maternity Cover

Definition

Maternity Cover

Includes coverage for delivery or related expenses of the insured. At times coverage for the new-born child is also provided under this benefit. Read More on Maternity Cover

Offers to cover the charges related to Maternity including pre & post-natal expenses towards the hospitalization for delivery of the baby. Similarly, Care will compensate you for all medical expenses for the newborn baby until the completion of 90 days.

Permanent Exclusions

Expenses attributable to self-inflicted injury (resulting from attempted suicide)
Cost of spectacles, contact lenses, dental treatments
Medical expenses incurred for treatment of AIDS
Congenital disease
Tests and treatments related to in-vitro and fertilization treatment
Any OPD Treatment
Treatment received outside India
Expenses arising out of or in any way related to alcohol or drug use/misuse/abuse

Review of Care Health Insurance JOY Plan

Care Health Insurance has carved a niche for itself with a strong network of leading hospitals for cashless treatment, exceptional customer service, and the convenience of hassle-free claim & easy processing. Not all health insurance cover Maternity and Newborn Baby, so if you are mainly looking for one, Care Joy should be considered. With Care Joy Health Plan, you can enjoy the pleasures of parenting while Care takes care of the rest of your financial concerns.

**Reviews and ratings are based only on Benefits and Conditions. Things like Claim Settlement Ratio, Hospital Network have not been covered under product ratings. These are covered under Company ratings.

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Care Joy Plan

Main Highlight of Care Joy plan

Scope of cover

Indivdual Plan

Family Floater Plan

Important Features

DAY-CARE TREATMENTS

No-Claim Benefits

PRE- HOSPITALIZATION

Post Hospitalization

Long Term Policy Tenure

Good to Have Benefits

Ambulance Cover

Terms and Conditions

Room-Rent Cover

CO-Payment

Waiting Period

Cooling Off Period

Specific-Illness

Pre-existing

Value Adds

Maternity Cover

Permanent Exclusions

Review of Care Health Insurance JOY Plan

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