Care Joy Tomorrow Plan

It is believed that motherhood is life’s greatest journey. But when going through this journey, you would also want to be assured about your family’s health and your newborn baby. Care Joy Tomorrow Plan could be the perfect health insurance plan that can take care of the maternity and healthcare needs with its tomorrow plan option. With the rising cost of healthcare, dealing with maternity expenses can be costly, and that’s why you need a comprehensive maternity plan.

We are showing the striking features of the Care Joy Tomorrow plan below so that you can have an overview of the plan.

1. Maternity cover
2. Newborn baby cover
3. No pre-policy medical check-up for persons below 46 years of age
4. Coverage for newborn baby defects
5. Longer policy coverage
6. Pre-and post-hospitalization coverage
7. Single private room AC coverage
8. Cover for expenses on advanced technology methods
9. No Claim Bonanza on payment of additional premium
10. Free look period of 15 days from the beginning of the policy
11. Tax Benefits

Want to know about these features in detail so that you can get a clearer idea about the Care Joy Tomorrow Plan? Here, we will discuss the same along with its policy term, premium amount, the sum assured, eligibility criteria, etc. Do read to know more!

What are the Sum Assured Options?

With the Care Joy Tomorrow plan, individuals can choose between the sum insured options of INR 3 lakh and INR 5 lakh according to their convenience.

What is the Policy Term of Care Joy Tomorrow Plan?

Individuals can get a policy term of up to 3 years on choosing the Care Joy Tomorrow plan. However, there is an important thing related to this plan from Care Life – the waiting period for maternity cover stands at 24 months from the inception of the policy.

Let’s Check the Features of the Care Joy Tomorrow Plan in Detail

If you are looking for a health insurance plan that can take care of your finances when preparing for maternity-related expenses, Care Joy Tomorrow Plan could be the right fit for you! Now, we are providing its detailed benefits. Have a look!

Maternity Coverage

When you choose this special plan from Care Life, you will get maternity coverage according to the chosen sum insured option. The plan will provide coverage against all maternity-related expenses during the hospitalization for the delivery of the child. One of the best things about this plan is that it also covers pre-and post-natal expenses.

The maternity coverage will be up to INR 35,000 and INR 50,000 for the sum insured of INR 3 lakh and INR 5 lakh, respectively.

Newborn Baby Coverage

With this plan, your newborn baby will also receive coverage against all the medical expenses from birth until the completion of 90 days up to INR 30,000 and INR 50,000 for the sum insured of INR 3 lakh and INR 5 lakh, respectively. After this duration, your child would need a regular policy for which you will need to pay an additional premium.

New Born Birth Defects

Individuals will also get a lump sum amount of INR 50,000 in case the child has some newborn birth defects.

Optional No Claim Bonanza Cover

With the optional No Claim Bonanza feature, the Care Joy Tomorrow plan gives you a bonus of 100% of your sum insured if you haven’t made any claims during the policy tenure of 3 years.

Tax Benefits

On the premium paid towards the policy, individuals can also enjoy tax benefits under Section 80D of the Income Tax Act, 1961.

Additional Benefits

Apart from the benefits mentioned above, you can check some other prominent benefits of the Care Joy Tomorrow Plan below.

1. Daycare procedures coverage available up to the sum insured
2. 30 days pre-and up to 60 days post-hospitalization expenses coverage
3. Room rent expenses for a single private room with AC
4. Domiciliary treatment coverage up to 10% of the sum insured ( The treatment should happen for a minimum of 3 days at home to get this coverage)
5. Emergency ambulance cover up to INR 1,000 per hospitalization
6. Modern treatments coverage up to a limit of the chosen sum insured option
7. AYUSH Treatment (Ayurveda, Unani, Sidha, or Homeopathy) up to a pre-decided limit
8. Co-payment facility of 20% (Applicable where the age of the eldest member at entry is 61 years or above)

Will Individuals Need to Undergo Pre-Policy Medical Checkup?

It will depend on the age of the policyholder. Individuals up to the age of 45 years will not need to undergo pre-policy medical checkups. Any individual who is 46 years and above will need to undergo a pre-policy checkup. The cost of this check-up will be borne by the company.

Care Joy Tomorrow Plan Eligibility Criteria

Have a look at the conditions related to the Care Joy Tomorrow plan that you need to meet when choosing this plan.

What is Not Covered under Care Joy Tomorrow Plan?

There are a few things for which individuals will not get any coverage under this plan. Do check them below!

1. Any pre-existing disease or condition diagnosed within 48 months of the issuance of the policy
2. Any diseases occurred during the first 30 days of the policy start date, except accidental injuries
3. Non-allopathic treatments
4. External congenital diseases
5. Injuries arising from self-destruction or attempted suicide, or suicide whether sane or insane
6. Injuries from consumption, use, misuse or abuse of tobacco, intoxicating drugs or alcohol
7. Routine eye and ear examination, dental, and other external appliances