Care Health Insurance Joy Tomorrow is designed for those who are looking for maternity coverage in their health policy, it covers maternity and newborn expenses up to Rs 50,000 but it does not cover some essential coverages like AYUSH treatment, free health checkup, e-consultation, organ donor expenses and much more. So it is not a great plan but if you are planning a health plan only for maternity coverage then you can choose this plan
Joy Tomorrow - Key Highlights
Maternity Cover
Covers maternity expenses up to Rs 50,000
100% CSR
100% claim settlement ratio in last 3 months
10,769+ Hospitals
More then 11,399+ hospitals pan India
Features & Benefits
Single Private Room with AC
Note: Room rent limits can impact all expenses related to hospitalization. For better coverage, ensure that your health plan does not have any room rent limits.
11,399+ cashless hospitals in India
Note: A large hospital network will allow you to get hassle-free treatment across India without any co-payments and reimbursements, make sure the nearest hospital is included in the network hospital list of your insurer company.
0% Co-Pay (100% paid by insurer)
Note: If you enroll at the age of 61 years or above, you will have to pay 20% of the claim amount under the policy
Note: It covers all medical expenses like doctor visits, tests, diagnosis, etc. before hospitalization.
Note: This covers all medical expenses, such as doctors’ medication, follow-up and recovery treatment after discharge
170 day care treatments are covered
Note: All treatments that take less than 24 hours and do not require you to be hospitalised fall under day care treatment.
Up to Rs 1,000 per hospitalization
Note: Covers ambulance charges before and after the hospitalization
Value Added Services
Not Covered
Note: Applicable for insured persons who are 18 years or above.
Not Covered
Note: This is the addition discount that you can avail if you stay active and fit.
Not Covered
Note: This is a free online doctor consultation where you can get professional health advice.
Not Covered
Additional Features
Note: This feature is good if the treatment requires the Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy (AYUSH) treatment, make sure your policy covers AYUSH treatments.
Note: This is the important feature in future, it may need.
Note: This is the important feature in future, it may need.
Maternity Benefit(s)
For SI 5 lac – up to Rs.50,000
Note: Covers expenses around maternity, IVF, adoption, surrogacy and more.
Available Add-ons
Note: It covers expenses related to 68 non-payable items during hospitalization.
Exclusions
Note: To know more about the exclusions details, please refer to the policy wording.
About Care Health Insurance
Care Health Insurance is a dedicated health insurance company that offers a wide range of products including individual health insurance, top-up coverage, maternity health plans, travel insurance and more. Care Health Insurance offers innovative health insurance at an affordable price. The company has earned several prestigious awards including ‘Best Health Insurance Company of the Year’ at India Insurance Summit & Awards 2023 and ‘Best Health Insurance Product’ at Insurance Alert Awards 2021. It was also recognized at the FICCI Healthcare Excellence Awards 2019 for ‘Best Medical/Health Insurance Product’.
FAQs
Restoration benefit automatically replenish the sum insured if the coverage is exhausted due to a medical claim during the policy term.
The waiting period for pre-existing illnesses is 4 years. The insured can apply for a claim after the completion of the waiting period
Yes, the plan offers cashless hospitalization facility if you are admitted to the insurer network hospital.
Yes, 170 daycare treatments such as cataract surgery, dialysis, and chemotherapy that require hospitalization for less than 24 hours are covered.
Yes, after completion of 9 months maternity waiting period
No, there is no limit on room rent or any sub-limit on specific treatments or expenses. But If you enroll at the age of 61 years or above, you will have to pay 20% of the claim amount under the policy
No, this plan does not provide alternative treatments under AYUSH including Ayurveda, Yoga, Naturopathy, Unani, Siddha and Homeopathy.
Policy renewal can be done online. Policyholders can contact us at 011 6932-0444, by email at support@liablecover.com, or by contacting their Relationship Manager.
Latest review
Anjali Chopra
Worst not recommend
