Maternity Health Insurance with New Born Baby Cover - JOY

Maternity Health Insurance with New Born Baby Cover - JOY

Perfect Blend of Hospitalization and Maternity Insurance
New Born Baby Cover up to 90 Days
10% Premium Discount on Multi-Year Policy
Coverage to 541 Day Care Treatments

Policy Terms

Minimum Entry age of adult is 18 years or above and 1 day to 24 years for child

Maximum Entry age limit is 45 years

Pre-policy issuance Medical Check up applicable on insured Person with age 46 years or above

Sum Insured will be reinstated for a non-related illness once a year if the original sum insured gets exhausted in a year

Waiting period of 4 years for coverage on conditions declared and existing at the time of first purchase

Co-payments of 20% is applicable where age of eldest member at entry is 61 years or above.

Free-look period of 15 days from the date of receipt of policy if you find it unsuitable after deducting proportionate risk premium for the period on cover, expenses for medical examination and stamp duty charges, as applicable

Exclusions

Any pre-existing ailment/injury that was diagnosed/acquired within 48 months prior to issuance of the first policy

Any diseases contracted during first 30 days of the policy start date except those arising out of accidents

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.

Maternity Health Insurance with New Born Baby Cover - JOY

About Maternity Insurance

Holding your bundle of joy is the most cherished moment in a couple's life. But, this nine-month journey of motherhood is more like a roller coaster ride for every woman. Whether it is morning sickness, nausea, weakness, anemia, vitamin deficiency, etc., a would-be mom needs extra healthcare during this phase. We understand that rising medical inflation and skyrocketing hospitalization charges create lots of financial hindrance for the couple. Therefore, we offer JOY-the most comprehensive maternity insurance policy you can avail of to get the best healthcare facilities for the mother and baby without financial worries.

When Should I Buy Maternity Insurance?

Health insurance with maternity cover often comes with a waiting period, so when you are ready to start your family, opt for it. We have a waiting period for our maternity insurance policy that ranges from 9 months to 24 months, depending on the type of plan you have opted for. It's wise to buy maternity cover insurance in advance to welcome your baby stress-free.

Things to Consider Before Selecting Maternity Health Insurance

While every mother-to-be in our country deserves the best care in her most joyous life phase, managing the exorbitant maternity care expenses can be difficult without medical insurance. Hence, the right way of financial planning is by opting for maternity health insurance, ensuring healthier and happier motherhood.

To enable you in deciding on the right maternity cover, here are some points you should consider.

Choose the best maternity insurance plan that gives you financial protection against various medical expenses and not only hospitalization expenses.
Savings is crucial for every family. Thus, look for premium discounts you can avail of, such as a discount on a multi-year policy.
Go through the list of cashless network hospitals so that you know you have easy access to cashless hospitalization in the time of need.
Read the policy documents to understand the policy inclusions, exclusions, sub-limits, and waiting period.
You can get a maternity cover at an affordable premium by carefully comparing and selecting the right policy with maximum coverage and benefits.
Newborn baby cover, day care procedures, and new-age treatments are a few must-have benefits you should look for in a maternity plan.
Find out the procedure to file a maternity insurance claim, so you need not face any hassles or delays.

Benefits of JOY Maternity Insurance Plan

Motherhood is a blissful phase of life. If you are looking for health insurance that covers pregnancy in India to make it a smooth journey for mommy and her baby, opt for JOY pregnancy insurance. It is a perfect plan that gives comprehensive coverage for hospitalization and delivery-related expenses. Below are some extensive benefits of health insurance for pregnancy:

Cashless Hospitalization- One of the seamless benefits of JOY is cashless hospitalization. You do not need to make the arrangements for cash during delivery.
In-patient care- Delivering a baby often comes with several complications. Do not worry! We cover hospitalization expenses to ensure that you get complete in-patient care.
Day Care Treatment- Avail the treatment under daycare instead of hospitalization. Our health insurance with pregnancy cover includes daycare treatments as well.
Advance Technology Methods- Get access to good health and sustainable treatment. We also cover the expenses for advanced treatment methods.
Newborn Baby Cover- We do not limit the coverage only up to the delivery. Your newborn child also covers up to the first 90 days under health insurance with maternity coverage.
Pre & Post Hospitalisation Cover- We cover their pre and post-hospitalization expenses also.
Single Private Room with AC- We make all our efforts to give you a healthy environment. You can avail of a single private room with AC under the policy coverage.
Long Term Policy- Bring your child into this world with JOY. You can get it as 3 years long term policy and do not need to worry about your pregnancy policy renewal.
Discounts- Get a premium discount of up to 10% while opting for a multi-year policy. It helps to reduce the premium amount and gives ease to your pocket.

How Important is Health Insurance Maternity Cover?

For healthy delivery, women must get the best healthcare facilities. But rising healthcare inflation creates hindrance. That's why health insurance with maternity coverage is crucial.

Why is it essential?

The average delivery cost ranges between Rs 50,000 to Rs 80,000 in metro cities. The C-section delivery costs around 1-2 lac, varying based on complications. Health insurance with maternity coverage reduces the financial burden and saves money. You can enjoy your parenthood and focus on recovery without the stress of arranging finances.

What is Covered Under Maternity Insurance?

Expecting women are more vulnerable to health problems and delivery-related complications. Whether it's a normal or cesarean delivery, the hospitalization expenses are skyrocketing. JOY- health insurance with maternity cover is helpful if you are planning a family. It ensures that the mother and her newborn get comprehensive coverage and the best healthcare facilities. Check below what all it covers:

Maternity Cover: Expenses incurred pre and postnatal can increase the couple's financial stress. But, JOY covers them and helps the mother and her child recover faster under the doctors' supervision.
New Born Baby Cover: The pregnancy insurance plan also has a newborn baby cover. It means that we cover your newborn's expenses from delivery to 90 days to ensure good health.
New Born Baby Defects: We will pay the amount as a lump sum if the newborn child is diagnosed with Down's Syndrome or Cerebral Palsy provided that no claim under newborn baby cover shall be made in respect of the above-defined health problems.
Direct Claim Settlement: We have kept claims procedures very simple. Whether it is an emergency or a planned hospitalization, all you have to do is present the CHI JOY Health Card at our network of more than 15500+ Cashless health care providers across India and avail of the cashless service.
If you have opted for a non-networked hospital, inform us directly about the claim, and once we get the specified documents from you, we'll process your claim accordingly.
Tax Benefit: Opting for our pregnancy insurance comes with two-fold benefits. It ensures good medical care for mother and infant and enables you to avail of tax benefits on the premium you pay for it as per the Income Tax Act 1961*. Thus, health insurance that covers pregnancy comes with a double bonanza.
Free Look Period: If you are unsure whether you have taken the right maternity cover insurance? JOY has a free look period. Suppose if no claim has been made within this period. In that case, we will refund the insurance premium received after deducting the proportionate risk premium for the period on cover, expenses for medical examination, and stamp duty charges, as applicable.

What is Not Covered Under Maternity Health Insurance?

Health insurance with maternity cover has exclusions. You can read what is not admissible under the policy:

Any pre-existing ailment/injury that was diagnosed/acquired within 48 months prior to issuance of the first policy
Any diseases contracted during the first 30 days of the policy start date except those arising out of accidents
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 fertilization