Care Health Insurance is a standalone health insurance service provider in India. The company focuses on health insurance for people with different kinds of requirements. Care Joy Maternity & Newborn Cover is a policy that combines the benefits of both maternity cover and health insurance in a single plan. While maternity benefit is the primary focus of this cover, it also provides a range of other benefits against hospitalisation.
Customers who wish to subscribe to Care Joy Maternity & Newborn Cover must have the following eligibility criteria. Some of the eligibility criteria for this policy can be given as follows.
Some of the key features of this policy can be listed as follows.
The benefits offered by Care Joy Maternity & Newborn Cover can be given in the following table.
|In patient care||Up to the sum insured limit|
|Day care treatment||Available|
|Ambulance cover||Up to Rs.1,000 per hospitalisation|
|Maternity cover (pre-natal and post-natal expenses included)||Up to Rs.35,000 for sum insured Rs.3 lakh Up to Rs.50,000 for sum insured Rs.5 lakh|
|Coverage for newborn baby||Up to Rs.30,000 for sum insured Rs.3 lakh Up to Rs.50,000 for sum insured Rs.5 lakh|
|Newborn birth defects||Lump sum payment of Rs.50,000 (only under Joy Tomorrow plan)|
There are multiple exclusions for which Care is not liable to compensate the insured. Some of the key exclusions under this cover can be listed as follows.
Following the occurrence of an event that may give rise to a claim, the company must be notified immediately. For planned hospitalisation, the company must be notified at least 48 hours prior to admission in a hospital. In case of emergency hospitalisation, the company can be notified 24 hours after hospitalisation. Both cashless treatment and reimbursement claims are available with Care.
Cashless treatment: Pre-authorisation form can be obtained from the hospital’s help desk. The completed form must be sent to the company through fax. The company’s claim management team will verify the claim form and approve the request for cashless treatment. Even if the cashless treatment request is rejected at the time of hospitalisation, the insured can still apply for reimbursement claims.
Reimbursement claim: To apply for reimbursement claims, the insured must submit the list of documents required for the claim. These documents may include medical bills, hospital bills, diagnostic reports, physician’s certificate, surgeon’s certificate, etc. Once the documents are submitted, Care will initiate the claim proceedings and verify the submitted documents. Once the verification process is over, the company will provide the settlement amount.
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