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Religare Joy

Religare Joy Health Insurance is a unique policy which covers hospitalization expenses during pregnancy and also addresses maternity and health needs.

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Key Features

Blend of Maternity and Hospitalisation

Blend of Maternity and Hospitalisation cover

Industry’s lowest ‘Waiting period

Industry’s lowest ‘Waiting period’ of only 9 months for maternity related claims

New born cover

New born baby cover

Increase in sum assured

100% increase in sum insured with no claim bonanza


In-patient care

Hospitalisation expenses such as room rent, nursing expenses, ICU charges, surgeon’s fees, doctor’s fees, anaesthesia, blood, oxygen, operation theater charges, etc. The policy offers Single Private Room with AC.

Day care treatment

Medical expenses incurred if hospitalisation is less than 24 hours,

Maternity cover

Covers maternity-related expenses incurred with respect to hospitalisation for the delivery of the child. Policy also covers pre and post-natal expenses. Cover under this benefit is available only up to 45 years of age.

New Born baby cover

Covers the medical expenses of newborn from birth till the completion of 90 days. After 90 days, your baby would be covered under the regular policy upon payment of additional premium.

New Born Birth Defects

Policy will pay a lumpsum amount in case the new born baby is diagnosed with Down’s Syndrome or Cerebral Palsy provided that no claim under Benefit – ‘New Born Baby Cover’ shall be made with respect to Down’s Syndrome or Cerebral Palsy.

No claim bonanza (optional cover)

Religare JOY comes with the No Claim Bonanza feature, wherein, if there are no claims during the policy tenure of 3 years, you receive a bonus of 100% of your sum insured.

Pre and Post hospitalisation

Medical expenses incurred 30 days immediately before hospitalisation will be covered. Expenses incurred up to 60 days after being discharged from the hospital such as follow-up visits to medical practitioner, medication, etc will be covered.

Ambulance charges

Charges of Ambulance provided by the hospital or any service provider will be reimbursed

Tax Benefits

Tax benefits as a deduction from the taxable income each year under section 80D of the Income Tax under the existing tax laws of the Income Tax, 1961, on premiums paid up to Rs. 15,000 in case of individuals and Rs 20,000 for senior citizens

How it works

Sum Insured – On annual basis Rs. 3 Lakh Rs. 5 Lakh
Hospitalisation Expenses Yes, up to Sum Insured Yes, up to Sum Insured
Room Category Single Private Room with AC Single Private Room with AC
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 Up to Rs. 50,000
Newborn Baby Cover Up to Rs. 30,000 Up to Rs. 50,000
No Claim Bonanza (Optional Benefit) Yes Yes


Minimum Maximum
Sum Assured (in Rs) 3,00,000 5,00,000
Policy Term (in years) 3
Entry age (Adult) 18 years 65 years
Entry age (Child) 1 day 24 years
Entry age (New born) 1 day 90 days
Renewal age - Lifelong Renewability
Co-payment If anyone enrols at the age of 61 years or above, then they will have to pay 20% of the claim amount
Waiting period for maternity claim 9 months
Grace period 30 days from the date of expiry to renew the policy



The standard policy exclusions are -
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


angle down iconWhat is the difference between a family floater and critical illness or hospital cash insurance?

The individual or family floater health insurance works on the principle of indemnity. This means that these insurance policies will pay you only what you have spent for medical treatment in hospital. On the other hand, the critical illness or the hospital cash insurance pays you the amount insured, irrespective of the amount spent for medical treatment. These are a benefit based policies.

angle down iconDo I need to undergo a medical check-up while buying a health insurance policy?

You may be required to undergo a medical check-up after you buy, in case any member to be insured is above 45 age.

angle down iconWhat is beneficial for me - floater insurance or an individual insurance?

Buying an individual cover or a floater cover is an individual’s perception. However, as a general rule, at younger ages floater cover is advisable. As you grow older, you should go for an individual cover.

angle down iconWhat is Co-payment?

Co-pay is that part of your claim amount, which you have to bear. Co-pay can be in % terms or an absolute amount. For example, in case of co-pay of 20% and claim of Rs. 10,000, insurance company will pay Rs. 8,000 (80% of 10K) and you will bear 20% (Rs. 2,000).