Care Health Insurance

Care Maternity health insurance

Care health insurance has designed ‘JOY’ - that not only covers hospitalization expenses during pregnancy but also addresses your maternity and health needs.
  • Individual
  • Family

Care Joy Maternity Insurance plan quotes

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Joy - Maternity Insurance Family quotes

Care Health Family health insurance plans provide coverage for the entire family within the scope of a single health plan. find quotes, compare & buy Care Health Quotes for Family

Buy Joy - Maternity Health Insurance for Family

Care health insurance - Key highlights

  • Covers more than 540 Day Care treatments
  • Inbuilt Care Maternity coverage of upto ₹ 1 lac under specific plans
  • Life Time Renewal of all policies + No Upper Entry Age limit for all plans
  • Avail treatment anywhere in the world for 12 defined major illnesses under "Care Anywhere" on Cashless basis
  • Additional Features like Tax Benefit under section 80D , Auto Recharge of Policy Sum Insured, as well as an option to avail Personal Accident Cover
  • Covers Non Allopathic treatment like Ayurveda, Homeopathy, Unani & Sidha (AYUSH)
  • Coverage for Modern Treatments like Robotic Surgery, HIV/AID
  • Up to 150% increase in Sum Insured With No Claim Bonus with NCB Super in 5 consecutive claim free years
  • Cashless & Hassle-free direct claim settlement with us at 7400+ Hospitals

Care Health Insurance Review

Care Health Insurance
Sum Insured
4 lacs - 600 lacs
Claims Incurred Ratio *
Tenure Options
1, 2, 3 years
Claims Settlement Ratio **
List of Network Hospitals
19,000+ hospitals
Number of Policies issued *
Maximum Family Floater Coverage
Self, Spouse + dependent children + dependent parents
Number of Lives Covered *
* As per IRDAI report for 2020-21   |  ** As per NL25 data published on the Insurance Company website

Care health insurance - Maternity review

  • Highlights
  • Features
  • Benefit table
  • Exclusion

Care Maternity mediclaim policy – highlights

Minimum entry age Adult : 18 years, children : 1 day, New born : 1 day
Maximum age Adult : 65 years, children : 24 years, New born : 90 days
Exit age Lifelong
Renewal Lifelong renewability. The policy can be renewed under the prevailing health insurance with maternity benefit product or its nearest substitute approved by IRDAI.
Co-payment (Sum Insured 5 lakhs & above) If you enroll at the age of 61 years or more, you will have to pay 20% of the claim amount under the policy. We pay the rest.
Waiting period 30 days for any illness except injury. 9 months for maternity. 2 years for specific treatments/ illness. 4 years for pre existing diseases.
Grace period 30 days from the date of expiry to renew the policy
Policy tenure 3 years
Maternity cover Available only up to 45 years of age.

Care Maternity medical insurance - features

Hospitalization & Day care treatment :
If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours, we pay from room charges to operation theatre charges and more. We also pay for your medical expenses if you undergo even a day care treatment at a hospital that requires hospitalization for less than 24 hours - we cover a comprehensive range of 170 day care treatments, the highest in industry. You will also get cashless treatment at our over 4000+ network hospitals and reimbursement in any other hospital of your choice.

Maternity cover health insurance:
We will cover maternity-related expenses incurred with respect to hospitalisation for the delivery of the child. What’s more, we even cover pre and post-natal expenses!

Newborn baby cover:
We will also cover the medical expenses of your dear newborn from birth till the completion of 90 days. After 90 days, your baby would be covered under the regular policy upon payment of additional premium..

Pre and post hospitalization cover:
We cover the medical expenses incurred by you even 30 days before your hospitalization. There may also be follow-up visits to your medical practitioner, medication that is required etc. We cover the related medical expenses incurred by you after your hospitalization also, for a period of 60 days..

Ambulance cover:
It is our utmost concern that you get the medical attention you require as soon as possible, especially in an emergency. We will reimburse you for expenses that you incur on an ambulance service offered by the hospital or any service provider, in an emergency situation.

No claim bonanza (optional cover):
We believe that good health should not only be celebrated but rewarded as well. That's why JOY comes with the No Claim Bonanza feature, wherein, if there are no claims during the policy tenure of 3 years, you receive a bonus of 100% of your sum insured.

Longer Policy Term (3 year policy):
We want to ensure that you consistently stay healthy and happy. That's why we have reduced the hassles by making JOY a 3 year policy. This means you don't have to worry about policy renewal and instead, focus on what's important – your baby.

Tax Benefit:
Our Care Joy health insurance plan also enables you to avail of a tax benefit on the premiums you pay towards your health insurance, as per prevailing tax laws of the Income Tax Act.

Free Look Period:
We have your best interests at heart and at the same time recognize that you know your needs best. Hence, after purchasing the policy, if you find it unsuitable, you can cancel and return the policy to us with no questions asked. Our policies come with a free-look period of 15 days from the date of receipt of Policy.

Care Maternity mediclaim insurance – benefit table

Sum Insured - On annual basis Joy Today
Rs. 3 Lakhs / Rs. 5 Lakhs
Joy Tomorrow
Rs. 3 Lakhs / Rs. 5 Lakhs
Maternity wait period 9 months 24 months
Entry Age – Minimum Adult : 18 years or above
Child : 1 Day to 24 years
Adult : 18 years or above
Child : 1 Day to 24 years
Entry Age – Maximum 45 years 45 years
Exit Age Lifelong Lifelong
Cover Type Individual
(maximum up to 6 Persons)
(maximum up to 6 Persons)
Floater : 2A / 2A1C / 2A2C Floater : 2A / 2A1C / 2A2C
Pre-policy Issuance Medical Check up Applicable on Insured Person with age 46 years or above Applicable on Insured Person with age 46 years or above
Hospitalisation Expenses Yes, up to Sum Insured Yes, up to Sum Insured
Day Care Treatment Yes Yes
Pre-Hospitalisation Up to 30 days Up to 30 days
Post-Hospitalisation Up to 60 days Up to 60 days
Ambulance Cover Up to Rs. 1,000 per Claim Up to Rs. 1,000 per Claim
Maternity Cover (including Pre-natal & Post-Natal expenses) Up to Rs. 35,000 for 3 lakhs sum insured
Up to Rs. 50,000 for 5 lakhs sum insured
Up to Rs. 35,000 for 3 lakhs sum insured
Up to Rs. 50,000 for 5 lakhs sum insured
Newborn Baby Cover Up to Rs. 30,000 for 3 lakhs sum insured
Up to Rs. 50,000 for 5 lakhs sum insured
Up to Rs. 30,000 for 3 lakhs sum insured
Up to Rs. 50,000 for 5 lakhs sum insured
New Born Birth Defects No Lump sum – Rs. 50,000
Initial Wait Period 30 Days 30 Days
Named ailments 24 months 24 months
Pre-existing Diseases 48 months 48 months
Room Category Single Private Room with AC Single Private Room with AC
Co-payment 20% (Applicable where age of eldest member at entry is 61 years or above) 20% (Applicable where age of eldest member at entry is 61 years or above)
Tenure 3 Years 1 Year / 2 Year / 3 Years

Care Maternity insurance - exclusion

  1. Any pre-existing injury or physical condition
  2. Any intentional self-inflicted injury, suicide or attempted suicide, sexually transmitted conditions, mental or nervous conditions, insanity, disorder, anxiety, stress or depression
  3. The Insured Person flying in an aircraft other than as a fare paying passenger in a Scheduled Airline
  4. The Insured Person engaging in sporting activities in so far as they involve the training for or participation in competitions of professional sports, unless declared beforehand and agreed by the Company in writing subject to additional premium being received and incorporated accordingly in the Policy
  5. Insured Person serving in any branch of the military, navy or air-force or any branch of armed Forces or any paramilitary forces
  6. Any claim related to Hazardous Activities
  7. Persons whilst working with in underground mines, explosives, press, activities like racing on wheels or horseback, winter sports, canoeing involving white water rapids, any bodily contact sport
  8. Claim arising out of mental illness, stress, psychiatric or psycho logical disorders.

Care health insurance FAQ's

Care Health offers a free look period to review it’s policy terms and conditions. In case one is not satisfied with the same, one can request for cancellation of their policy during this period. The insured will be charged the pro-rated premium for the period during which your policy was in-force, the cost of pre-policy health check-up, if any, and the stamp duty. The balance premium would be refunded.
Also, one can request for cancellation of your policy at any time during the policy period post the free look period. In this case, the refund of the premium amount is as per the short scale grid, which is shared as part of the Policy Terms and Conditions sent as part of the policy kit. However, in case you of any claim being reported with Care, the insured will not be entitled to any refund of premium on cancellation of the policy.

Yes, Maternity is an inbuilt coverage for all plans where the primary sum insured is ₹50, 60 and 70 lacs. For the remaining plans the Maternity coverage can be opted for by the insured.

One can log onto to select the Care Health insurance plan and make the premium payment accordingly.


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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025