Religare JOY Health Insurance Policy with Maternity and new born cover-Review

Religare Joy Health Insurance-ReviewReligare JOY Health Insurance Policy with Maternity and new born cover-Review

Recently, Religare Insurance has introduced Religare Joy Health insurance, which covers maternity benefits with waiting period of 9 months. It has several other benefits like New Baby Cover expenses apart from regular health insurance benefits. Is Religare Joy Maternity claims covered Health Insurance a good Health Insurance plan? What are the features of Religare Joy Health insurance plan? Should you really opt for such maternity focused health insurance plan? In this article, I would cover the review of Religare Joy Health Insurance.

Features of Religare Joy Health Insurance plan

  • Industry lowest waiting period of only 9 months for claiming maternity expenses.
  • Coverage of a new baby born expenses
  • Pre and Post Natal expenses till the completion of 90 days for the baby.
  • Health insurance plan is for 3 years
  • Sum assured for Rs 3 Lakhs and Rs 5 Lakhs plans.
  • No claim bonanza of 100% increase in sum assured in case there is no claim in 3 year period.
  • Other regular health insurance coverage like hospital and day care treatment expenses

Also Read: LIC Jeevan Arogya Health Insurance Plan Review

What are the policy term details?

Religare Joy Health Insurance-Policy terms

What are the plan details?

Religare Joy Health Insurance-Plan Details

What are the exclusions in Religare Joy Health Insurance Plan

Below are the some of the major exclusions of Religare Joy health insurance plan.

  • 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 like committing 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 fertilization.
  • More details of Religare Joy can be found at the Religare Insurance website here

What are the premiums in this Maternity focused health insurance plan?

  • The premium for a 3 year policy for 18-45 years of age for Rs 3 Lakhs for a family member of 2 works out to be Rs 55,445
  • The premium for a 3 year policy for 18-45 years of age for Rs 3 Lakhs for an Individual Adult Female works out to be Rs 49,241
  • The premium for a 3 year policy for 18-45 years of age for Rs 5 Lakhs for a family member of 2 works out to be Rs 74,773
  • The premium for a 3 year policy for 18-45 years of age for Rs 5 Lakhs for an Individual Adult Female works out to be Rs 67,506
  • If you observe, premium in this health insurance plan is very high. For e.g. if you consider other health insurance policies like Max Bupa for a 35 years age for Rs 3 Lakhs, it would come to Rs 7,000 (approx). For 3 years, it would be approx Rs 21,000. Even for family floater policy for 2 members for 3 years works out to be Rs 30,000 as premium charges. Hence premium is high in this plan. For a maternity benefit of Rs 35,000 (Rs 3 Lakh sum assured) or Rs 50,000 (Rs 5 Lakh sum assured), majority is anyway charged through high premium.

Also Read: Which are the Top 5 Best Health Insurance Plans in India

Should you opt for this Religare Joy Health Plan?

I am not excited by such health insurance plan. No doubt this is a unique health insurance plan which covers maternity benefits and new born baby expenses till 90 days. However premium charged is very high. Unless the individual is married or planning to get married and would go on the family way in next 3 years, this health insurance plan is not beneficial. Alternatively, you can choose for other better health insurance plans from Max Bupa, Apollo Munich etc. which comes out with low premiums. Balance amount you can save and utilize for maternity expenses (which may not cover completely).

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Religare Joy Maternity Covered Health insurance-Review

Suresh KP


  1. Hi,

    This is a well documented review. I have few questions or you may say doubts regarding this plan.

    1. If a female is 3 months pregnant and she goes for this plan of sum insured 3 lakhs, can she claim the above-said benefits after waiting period of 9 months that means will raise a claim only after 12 months or 1 year of date of pregnancy?

    2. The above-said premium for the sum insured of 3 lakhs for single female adult is 49,421. Is this a single premium for the whole three year period or you have to pay 49,421 annually for three years?

    Suvendu Sekhar

  2. The insurance cover of INR 50,000 is just for delivery or it is inclusive of pre and post hospitalisation charges too?

    For e.g. say

    10 days of hospitalisation for delivery of baby@ INR 3,000/ day = INR 30,000

    Cost of deliver inclusive of delivery room, equipment, etc. = INR 100,000

    Medicine cost pre and post delivery = INR 40,000

    so, will the entire 1.7 lakh be clubbed as expennses under maternity and only 50,000 be refunded or 30,000 of hospitalization charge, 40,000 of medicinne cost etc. be considered under hospitalization and pre-post expense separately? KIndly shed light

  3. Even the minimum sum assured seems little too high. Unless in a metro, delivery related costs won’t be that high.

  4. What is meant by 9 month waiting period. If the baby is born in 10th month or in 12th month after taking policy. will the expenses be covered.


    1. Yes Vijay. Here one cannot take policy after a women has become pregnant. Hence this 9 month waiting period. Afte taking policy, women becomes pregnant, she would give birth to child in 10th month or later, hence it is covered.

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