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JOY Maternity Insurance – Comprehensive Maternity & Newborn Cover
JOY Maternity Insurance by Care Health Insurance is designed specifically for expecting mothers and couples planning a family. It provides financial protection for maternity-related expenses, including childbirth, prenatal and postnatal care, and newborn coverage.
Key Features of JOY Maternity Insurance
- Maternity Coverage
- Covers normal and C-section deliveries, including doctor fees, hospital stays, and medicines.
- Short Waiting Period
- Waiting period of only 9 months or 2 years, depending on the plan variant.
- Newborn Baby Cover
- Covers medical expenses for the newborn baby for up to 90 days from birth.
- Pre & Post-Natal Expenses
- Covers prenatal check-ups (before delivery) and postnatal care (after childbirth).
- Hospitalization & Delivery Costs
- Covers room rent, ICU charges, diagnostic tests, and delivery expenses.
- Cashless Treatment at 23,000+ Network Hospitals
- No need to pay upfront; get treatment at a network hospital with a cashless facility.
- Daycare Procedures Covered
- Includes medical procedures that do not require 24-hour hospitalization.
- Tax Benefits
- Premium payments qualify for tax deductions under Section 80D of the Income Tax Act.
Additional Benefits
✔️ Coverage for newborn vaccinations for the first year (as per policy terms).
✔️ No Claim Bonus (NCB) – Increase in sum insured for every claim-free year.
✔️ Ambulance cover for emergency medical transportation.
Eligibility
- Minimum entry age: 18 years
- Available for individuals and families
- Waiting period: 9 months or 2 years, depending on the selected plan variant
How to Buy?
You can purchase JOY Maternity Insurance online or through an agent. Visit Care Insurance for more details or to get a quote.
FAQs
What does JOY Maternity Insurance cover?
It covers delivery costs (normal & C-section), prenatal & postnatal care, and newborn baby expenses for up to 90 days after birth.
When can I use the maternity benefits?
You can claim maternity benefits after a waiting period of either 9 months or 2 years, depending on the plan you choose.
Does the policy cover newborn vaccinations?
Yes, it covers some vaccinations for the baby in the first year, based on the policy terms.
Rahul Khanna
