Religare 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 Religare 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 Religare 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


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


No specific discounts

Policy Periods Available

3 years

Pre-Policy Medical Check-up

46 years & Above

Important Features


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


    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.


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


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


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

            Good to Have Benefits


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

              Terms and Conditions


              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.


                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

                  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

                    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.


                      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

                        Offers to cover the charges related to Maternity including pre & post-natal expenses towards the hospitalization for delivery of the baby. Similarly, Religare 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 Religare Health Insurance JOY Plan

                          Religare 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 plans cover Maternity and New Born Baby, so if you are mainly looking for one, Religare Joy should be considered. With Religare Joy Health Plan, you can enjoy the pleasures of parenting while Religare 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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