Maternity Insurance Plan
- Perfect Blend of Hospitalization and Maternity Insurance
- Coverage to 541 Day Care Treatments
What is Maternity Insurance?
Maternity is one of the most overwhelming experiences for mothers as it empowers them to bring out a new life to the world. The journey of motherhood could either get smooth or slightly bumpy due to complications, yet, precious to all the mothers, regardless. Along with the family’s support, comprehensive Maternity Insurance ensures the smooth journey of motherhood to the expecting mothers and family. A progressive increase in medical expenses and soaring hospitalization charges may create a financial crunch for the couple if they haven’t sought Maternity Insurance in time. Maternity insurance gives you a maternity health cover that would help you look after the expenses related to childbirth and pregnancy. We understand that rising medical inflation and skyrocketing hospitalization charges create lots of financial hindrances for the new parents. 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
Maternity Insurance Plan – Joy
JOY is a specially designed health insurance with maternity coverage in India for expecting mothers and their newborns. Maternity health insurance ensures the right coverage for the mother and her child with several prominent features. Whether it is a normal delivery or a caesarean, this pregnancy insurance covers delivery-related expenses. Available at an affordable premium, it often reduces the couple’s financial worries for delivery-related expenses and encourages them to start their family at the right time. It comes up with a waiting period, so advisable to get in advance and stay prepared to welcome your baby into this world worry-free.
Benefits of JOY Maternity Insurance Plan
Motherhood is a blissful phase of life. If you are looking for health insurance covering 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 a 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 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-
Single Private Room with AC-
Long Term Policy-
Discounts-
Features of Maternity Health Insurance
| KEY FEATURES | Joy Today | Joy Tomorrow |
| In-Patient Care | ||
| Day Care Treatment | ||
|
Pre-hospitalization |
30 days | 30 days |
|
Post-hospitalization |
60 days | 60 days |
| Ambulance Cover | Up to ₹1,000 per Claim | Up to ₹1,000 per Claim |
|
Maternity Cover |
Up to ₹35,000 for 3L SI Up to ₹50,000 for 5L SI |
Up to ₹35,000 for 3L SI Up to ₹50,000 for 5L SI |
|
Newborn Baby Cover |
Up to ₹30,000 for 3 Lac SI Up to ₹50,000 for 5 Lac SI |
Up to ₹30,000 for 3 Lac SI Up to ₹50,000 for 5 Lac SI |
| New Born Birth Defects | Not Applicable | ₹50,000 |
|
Maternity wait period |
9 months | 24 months |
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.
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.
How to Buy Maternity Health Insurance Online?
You can easily get JOY in few clicks. All you need to follow these simple steps:
- Visit our official website
- Go to ‘Get a Free Quote’
- Select either Joy Today or Joy Tomorrow
- Enter the required details, including total member, age of the eldest member, contact number, tenure
- Select the Sum Insured
- Get the premium and secure yourself in just a few clicks
- You will receive the policy documents, including the policy number and e-card, on your registered email-id.
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
Are You Confuse…?
You are not getting which health insurance policy will fit for you…?
Don’t worry contact us our health insurance expert will help you to find right policy.
FAQS on Maternity Insurance Plan
Most Frequently Asked Questions
What is Maternity Health Insurance and How Does it Work?
When Should I Buy Maternity Health Insurance Plan?
Can i get Maternity Health Insurance while Pregnant?
What is the Waiting Period for Maternity Insurance?
We have two maternity health insurance products their respective waiting period is mentioned as below:
- Joy Today: 9 months
- Joy Tomorrow: 3 years
What is the Eligibility Criteria for Maternity Health Insurance?
The eligibility for maternity health insurance is:
- Minimum Age: Adult: 18 years or above
- Maximum Age: 45 years
How do I get Health Insurance for my New-born?
With CHI, you would get insurance coverage for your new-born when you take our Joy Maternity Insurance Plan. This plan would cover the expenses of the medical needs of your new born up to 90 days from the date of birth.
What makes Pregnancy Insurance Benefits so Important for Young Couples?
Health insurance for pregnancy includes maternity expenses for the mother and newborn. Joy is the affordable pregnancy insurance in India. It is beneficial for young couples because they do not need to pay hefty hospitalization and delivery expenses from their pocket. They can start their family planning stress-free.
Is Pregnancy Considered a Pre-existing Condition for Health Insurance?
No , if you get pregnant before enrolling in a health plan and delivery happens after the waiting period then you are eligibile to avail the benefit.
Is Pregnancy Termination Covered in Maternity Coverage?
Self termination of pregnancy is not covered under maternity coverage.
Is 2nd Child Birth Covered Under Maternity Coverage?
Yes, 2nd childbirth is covered under maternity coverage if the maternity sum insured is not exhausted.
Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.
*Source: IBAI Claims Handbook for FY 19-20
Get In Touch with Critical illness Health Insurance Expert
To know more about Critical illness Health Insurance policy and to clear your queries get in touch with our health team.