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Religare Joy Tomorrow Plan

Religare’s Joy Tomorrow is a health insurance plan which combines normal health insurance cover and maternity cover. The plan provides a comprehensive maternity related coverage benefit and that too at very low waiting periods. Moreover, the plan also allows family floater coverage so that the whole family can be covered.

Key features of the plan

  • The waiting period for claiming maternity expenses is only 24 months.
  • A maximum of 6 members in individual plan and 4 members in family floater plan are allowed to be covered.
  • The policy tenure ranges from 1 year to 3 years.
  • There is an optional No Claim Bonanza feature which increases the Sum Insured by 100% within 3 claim-free years.
  • Birth defects in a new born baby are also covered in the plan.

How does the plan work?

Step 1 – the policyholder chooses the Sum Insured and the members covered.

Step 2 – the insured has to undergo medical check-ups if he is aged 46 years and above. After underwriting, the policy is issued.

Step 3 – If the covered member (s) face any medical contingency and the related expenses are covered by the plan the expenses incurred are paid by the plan.

Step 4 – if the plan matures and no medical contingencies occur, no benefit is paid.


Rohit buys Joy Tomorrow for a Sum Insured of Rs.5 lakhs for himself and his wife covered on individual basis.

Option 1 – His wife becomes pregnant and delivers a baby boy 3 years after buying the plan. Since maternity waiting period of 24 months has passed, the delivery expenses are covered by the plan. Moreover, the plan provides coverage for the new born baby too and any birth defects which the new born baby might suffer from.

Option 2 – if there is no claim for 3 consecutive years the Sum Insured increases to Rs.10 lakhs while the premiums remain the same.

Plan benefits

  • Medical benefits – the list of medical expenses covered by the plan and their extent is as follows:
  • Room rent, boarding and nursing expenses Single Private AC room
    In-patient hospitalization Covered up to Sum Insured
    Ambulance cover Up to Rs.1000 per claim
    Pre hospitalization Up to 30 days
    Post hospitalization Up to 60 days
    Day care procedures 170 procedures are covered
    Maternity cover including pre and post-natal expenses Sum Insured Rs.3 lakhs – up to Rs.35,000
    Sum Insured Rs.5 lakhs – up to Rs.50,000
    New born baby cover Sum Insured Rs.3 lakhs – up to Rs.30,000
    Sum Insured Rs.5 lakhs – up to Rs.50,000
    New born birth defects Rs.50,000
  • No Claim Bonanza – if a claim is not made in three consecutive years of the plan, the Sum Insured increases by 100%.

Eligibility Criteria

  Minimum Maximum
Age at entry (in completed years) Child – 1 day
Adult – 18 years
Child – 24 years
New born baby – 90 days
Adult – 65 years
Premium paying options Single pay
Plan term 1,2 or 3 years
Sum Assured Rs.3 and 5 lakhs

What is not covered by the plan?

Illnesses suffered during the first 30 days of the plan commencement are not covered.

Pre-existing ailments are not covered in the first 4 years of the plan.

Maternity benefits are not covered in the first 24 months of the plan.

Illnesses or accidents caused due to genetic disorder or stem cell surgery, substance abuse, participation in adventure sports or hazardous activities, criminal acts, attempted suicide, war and hazardous substances, etc. are not covered.

Treatments like dental treatments, cosmetic treatments, artificial life support, weight loss treatments, etc. are not covered.

Premium Illustration

Below are the sample rates of premium payable by a non-smoking female living in Mumbai for different combinations of Sum Insured and members covered. The policy is taken for 1 year and the age of the eldest member is 35 years.

Religare Joy Tomorrow Plan Premium Illustration