Care Health Insurance Limited
Care Joy
MATERNITY + NEWBORN focused plan
UIN RHIHLIP21373V022021We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹50 lakh
Claim settlement (CSR)
99%
PED waiting
36 months
Specific disease wait
36 months
Mandatory co-pay
0%
Room rent prop. ded.
No
Pre / post hosp.
30 / 60 days
Network hospitals
22,000+
Free look
15 days
What this plan does well
- MATERNITY + NEWBORN cover IN BASE — DEALBREAKER ADVANTAGE
- Common Billing protection — NO proportionate deduction at hospitals without differential billing
- Care Health 22K network — INDUSTRY LEADING
- All Day Care Treatments
- AYUSH cover
- Modern Treatments up to SI
- Domiciliary up to SI
- Lifelong renewability
Watch out for
- Specific waiting up to 36 months (vs industry 24mo)
- Pre/Post only 30/60 (vs ManipalCigna ProHealth 60/180)
- CB only 10%/yr max 50%
- No automatic Restoration in base
- Free Look 15 days (vs Niva Bupa 30 days)
- Maternity benefit caps modest (verify Schedule)
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.