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Religare Joy - Maternity and New Born Cover with Health Insurance

Objective

The policy is designed to cover unforeseen hospitalisation expenses along with maternity cover.

Our View

In the current time, when medical cost is spirallining up, it is very important to have a health cover. This health insurance plan is specifically designed to additionally provide a maternity and a new born baby cover which is often omitted by other regular health insurance policies.

Suited for

The policy is suited for anyone looking for a normal health cover specifically with a maternity cover.

What does it do?

Like any other health insurance policy it covers unforeseen hospitalisation expenses on an individual or floater basis. It also covers maternity expenses.

Pros

One of the plans (Joy Today) provides maternity cover with an extremely short waiting period of 9 months.

Covers New Born baby from day 1.

Premium paid under this policy is eligible for tax benefit under Section 80D.

Cons

One of the plans (Joy Today) cannot be purchased for a term of less than 3 years.

Does not cover Domiciliary Hospitalisation.

Eligibility

Entry Age (years)

Minimum
18; 1 day for children
Maximum
65
Maximum Policy Renewal Age (years)
Life long renewal
Coverage Type
Individual / Family Floater

Sum Insured (Rs)

Maximum
5 lakh
Minimum
3 lakh
Policy Term (years)
1/2/3; only 3 years for Joy Today
Discount
7.5% on selecting a 2 year policy term and 10% on selecting a 3 year policy term.
Pre Policy Medical Check Up
Compulsory for entry age 46 years and above.
Free look Period
15 days
Grace Period for Policy Renewal
30 days

Customer Service

Address
Religare Health Insurance Company Limited, GYS Global, Plot No. A3, A4, A5,Sector - 125, Noida, U.P.- 201301
Mail to
[email protected]
Call to
1800 200 4488 (toll free)
SMS
Religare' to 56677
Network Hospitals
Http://www.religarehealthinsurance.com/health-plan-network-hospitals.html

Additions to the Plan

Scope Of Cover
PlanJoy TodayJoy Tomorrow
Cashless facilityavailable if treatment availed in empanelled hospitals
Reimbursement facilityavailable if treatment taken in non-network hospitals
Pre and Post Hospitalisation expensescovered from 30 days before hospitalisation and 60 days post hospitalisation
Room rentSingle private room with AC
In-Patient HospitalisationCoveredCovered
Day Care TreatmentCovered
Ambulance expensesup to Rs 1,000 per claim
Maternity Cover (including pre and post-natal expenses)Up to Rs 35,000 for Sum Insured of Rs 3 lakh and up to Rs 50,000 for Sum Insured of Rs 5 lakh
New Born Baby coverUp to Rs 30,000 for SI of Rs 3 lakh and up to Rs 50,000 for Sum Insured of Rs 5 lakh
New Born birth defectsNot CoveredLump sum of Rs 50,000
No Claims Bonanza (optional)100% increase of Sum Insured in case of 3 continuous claim free years; maximum upto 100% of Sum Insured. In case a claim is made during a policy year, the accumulated / accrued No Claim Bonanza would be reduced to nil.
Exclusions and Waiting period
Pre-existing diseasescovered after 48 months of continuous policy renewal
No claim period30 days from the policy start date
Waiting period24 months for specific illnesses namely, Arthritis, Benign ENT, surgery, cataract, Hernia,Varicose veins, ulcers, etc.
Maternity Wait Period9 months for Joy Today and 2 years for Joy Tomorrow
Co-payment clause20% (Applicable where age of eldest member at entry is 61 years or above)
Other exclusionsNon-Allopathic treatment, Dental treatment, Weight control program, Pshyciatric & Psychosomatic disorders, etc

Cost Details

Premium Chart (including taxes)
Annual Premium for Joy Tomorrow; Eldest member in the age group of 18-45 years
Sum Insured/No. of members1 Adult2 Adults2 Adult 1 Children2 Adults 2 Children
3 Lakh18167209252210123278
5 lakh24515277442923930733
3 year premium for Joy Today; Eldest member in the age group of 18-45
Sum Insured/No. of members1 Adult2 Adults2 Adult 1 Children2 Adults 2 Children
3 Lakh51713582286100763786
5 lakh70895785268205685586