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Religare Joy - Maternity and New Born Cover with Health Insurance

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://
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