Care Joy Maternity Focus Plan

Product Overview

Care Joy Maternity Focus Plan is which offers comprehensive health insurance coverage with host of benefits like - Auto Recharge of the sum insured if exhausted, Treatment anywhere in the world, every year health check-ups, etc.

Unique Features of Care Joy Maternity Focus Plan

• Maternity Benefits
• New born baby covered
• 100% increase in sum insured with No Claim Bonanza (Optional Cover)
• New born baby birth defects covered

Critical features of Care Joy Maternity Focus Plan

• Room rent:
  Limits imposed towards room and ICU rent expenses
  Single Private Room with AC
• Co-Pay:
  Specific % of admissible claim amount to be borne by Insured
  This plan has 20% is applicable for individuals with age 61 years and above at the time of buying this policy.
• No Claim Bonus:
  Health Insurance policies may offer Cumulative Bonus wherein for every claim free year, the Sum Insured is increased by a certain percentage at the time of renewal
  100% of your sum insured no claims during the policy tenure of 3 years.
• Pre-Existing Diseases:
  Means any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer
  This plans has a waiting period of 4 years for of pre-existing diseases

Eligibility Criteria

• Minimum Age of Entry:- Adult – 18 years / Child – 1 day/New Born: 1 Day
• Maximum age of Entry:- Adult: 65 years/Child: 24 years/New Born: 90 Days
• Renewal Age:- Life Long Renewal
• Sum Insured:- 3 Lakhs, 5 Lakhs
• Policy Tenure:- 3 years
• Family Definition:-
  Individual - Self, Legally married spouse, son, daughter, brother, sister, grandson, granddaughter, nephew, niece, Son-in-law, Daughter-in-law, Employee
  Family Floater - Self, Legally married Spouse, Children & Parents, Employee & their dependent
• Premium Calculated on Basis of:- Age, (i.e. sum Insured Chosen)

Add-ons

• No Claim Bonanza:
  In the event of no Claim in 3 continuous years, at renewals your sum insured will be increased by 100%. 

Additional Discounts

• Discount for multi-year polices-10% discount for opting 3yr policy tenure.

Waiting Period

• Covered from Day 1:
  Accidental Injuries.
• Covered after 30 Days:
  All incidences apart from specified surgeries, Permanent exclusion & Pre-existing diseases (if any)
• Covered after 2 Year:
  Arthritis (If Non Infective), Osteoarthritis, Osteoporosis, Gout, Rheumatism & Spinal, Disorders, Joint Replacement Surgery, Benign Ear, Nose & Throat (ENT) Disorders And Surgeries (Including But Not Limited To Adenoidectomy, Mastoidectomy, Tonsillectomy & Tympanoplasty), Nasal Septum Deviation, Sinusitis & Related Disorders. Benign Prostatic Hypertrophy Cataract Dilation & Curettage Fissure Fistula In Anus, Hemorrhoids/Piles, Pilonidal Sinus, Gastric & Duodenal Ulcers Surgery Of Genitourinary System Unless Necessitated By Malignancy All Types Of Hernia & Hydrocele Hysterectomy For Menorrhagia Or Fibromyoma Or Prolapse Of Uterus Unless necessitated By Malignancy Internal Tumors, Skin Tumors, Cysts, Nodules, Polyps Including Breast Lumps (Each Of Any Kind) Unless Malignant Kidney Stone/Ureteric Stone/Lithotripsy/Gall Bladder Stone Myomectomy For Fibroids Varicose Veins And Varicose Ulcers.

Exclusions

• 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/contact lenses, dental treatment
• Medical expenses incurred for treatment of AIDS
• Congenital disease
• Tests and treatment relating to infertility and in-vitro fertilisation
• Medical Expenses relating to any hospitalisation primarily and specifically for diagnostic, X-ray or laboratory examinations and investigations

 

Note: Any claims arising out of or attributable to any of the following is not covered,Please refer policy T & C for detailed list of exclusions.

Tax Benefits

The premium paid for health insurance policy is liable to get a tax rebate under section 80D of the Income Tax Act, 1961.

Claim Process

In case you would like to know about the Claim Process or would like to register a Claim please click the link below

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