General Insurance

Joy Maternity & New born cover

Eligibility Criteria

Minimum Entry Age Child: 1 Day - 24 years
 
Adult: 18 years or above
Maximum Entry Age 45 years
 

Benefits

Maternity Waiting Period

This pan is exclusively for Maternity and new born cover. The waiting period for this plan is:

Joy Today Joy Tomorrow
9 months 24 months
 

New born baby cover

This plan covers new born baby cover from Day 1.

Joy Today Joy Tomorrow
Upto Rs. 30000/- for 3 lakhs Sum insured Upto Rs. 30000/- for 3 lakhs Sum insured
Upto Rs. 50000/- for 5 lakhs sum Insured Upto Rs. 50000/- for 5 lakhs sum Insured
 
 
 

Product Features

Key Features
Sum Insured

Sum Insured is the amount of cover provided by the insurance company.
The plan provides a cover of Rs. 3 and 5 lakhs.
In-patient hospitalisation

This covers hospitalisation expenses due to an illness or accident.
The plan covers hospital accommodation up to Single private room, charges for stay in Intensive Care Unit, related hospitalization expenses such as surgeon’s fees, nursing, anesthesia, blood, oxygen, operation theater charges, surgical appliances, medicines, drugs and consumables up to the sum insured.
Pre-hospitalisation

It covers the medical expenses due to an illness before the insured is hospitalised
The plan covers pre-hospitalization expenses up to 30 days.
Post-hospitalisation

It covers the medical expenses due to an illness after the insured is discharged from hospitalisation.
The plan covers post-hospitalisation expenses of up to 60 days.
Maternity Cover

This plan cover maternity related expenses incurred with respect to hospitalization for the delivery of the child.
This plan provides maternity related expenses including pre and post natal expenses:
Joy Today Joy Tomorrow
Upto Rs. 35000/- for 3 lakhs Sum insured Upto Rs. 35000/- for 3 lakhs Sum insured
Upto Rs. 50000/- for 5 lakhs Sum insured Upto Rs. 50000/- for 5 lakhs Sum insured
Room Rent

Room rent specifies the sub-limit on room rent charges you can avail in case of hospitalization.
In the event of hospitalization, the policyholder is entitled to get claim till Single Private A/c room
 

Other Features

Day Care Treatments

These are treatments that don’t require a 24-hr hospitalization and conducted in a hospital or day-care center.
This plan covers the expenses of day care treatments up to Sum Insured.
Ambulance Cover

In case of an emergency, the ambulance charges are covered by the insurance company.
This plan covers ambulance cover up to Rs. 1000/- per hospitalization.
Co-Payment

After a insured member turns a certain age, co-payment is applicable. Co-pay is that part of your claim amount, which you have to bear.
20% co-pay is applicable where age of eldest member at entry is 61 years or above.

Exclusions

  • Genetic Disorder
  • Sexually transmitted disease or illness
  • Artificial Life Maintenance
  • Mental disorders (including treatments for mental health)
  • Eye Cover
  • Dental Cover
  • Congenital disease
  • Recovery Benefit
  • Non-allopathic treatments