Religare Maternity Health Insurance Joy Plan

Thursday, January 15, 2015

LIC Of INDIA

Religare Maternity Health Insurance Joy Plan | Features, Benefits Reviews, Premium, Maturity and Risk Cover


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


Interested to buy ?? click Religare Health Insurance Premium Calculator



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

from Satyendra Gupta LIC Agent 9811362697

To Buy Click link http://www.religarehealthinsurance.com/hp/satyendrakumargupta