Religare Maternity Health Insurance Joy Plan

Religare Cheapest new born baby and maternity best health insurance Joy

Maternity Health Insurance Plan Details
Plan Name	Joy Today	Joy Tomorrow
Sum Insured – On annual basis	3 Lac / 5 Lac	3 Lac / 5 Lac
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)	Individual (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
Religare Maternity Health Insurance Benefits
Hospitalisation Expenses
In-Patient Care	Yes	Yes
Day Care Treatment	Yes	Yes
Pre-Hospitalisation Medical Expenses	Up to 30 days	Up to 30 days
Post-Hospitalisation Medical Expenses	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 Lac SI Up to Rs. 50,000 for 5 Lac SI	Up to Rs. 35,000 for 3 Lac SI Up to Rs. 50,000 for 5 Lac SI
Newborn Baby Cover	Up to Rs. 30,000 for 3 Lac SI Up to Rs. 50,000 for 5 Lac SI	Up to Rs. 30,000 for 3 Lac SI Up to Rs. 50,000 for 5 Lac SI
New Born Birth Defects	No	Lump sum – Rs. 50,000
Wait Periods
Initial Wait Period	30 Days	30 Days
Named ailments	24 months	24 months
Pre-existing Diseases	48 months	48 months
Sub-limits
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

What is not Covered in Religare Maternity Health Insurance ?

• 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.

Religare Maternity Health Insurance Policy Terms
Entry Age - Minimum		Adult: 18 years
		Child: 1 Day
		New Born: 1 Day
Entry Age - Maximum		Adult: 65 years
		Child: 24 years
		New Born: 90 Days
Exit Age		Lifelong
Cover Type		Individual / Family Floater
Renewal	Lifelong Renewability. The policy can be renewed under the then prevailing Health Insurance with Maternity Benefit Product or its nearest substitute approved by IRDA
Co-payment	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 accident
	24 months for maternity of Joy tomorrow
	9 months for maternity of Joy today
	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

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Cheapest religare new born and maternity best health insurance joy plan presentation 

from Satyendra Gupta LIC Agent 9811362697

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