THE JOY HIGHLIGHTS
• In-patient Care
• Day Care Treatment
• Maternity Cover
• Newborn Baby Cover
• Pre & Post
Hospitalisation Cover
• Ambulance Cover
• No Claim Bonanza
(Optional Cover - available on
payment of additional premium)
• Single Private Room
with AC
Comprehensive Coverage
1. Hospitalisation Expenses
• In-patient Care (at least 24 hrs of Hospitalisation )
If you are admitted to a hospital for in-patient care, for a
minimum period of 24 consecutive hours, we pay for - room
charges, nursing expenses and intensive care unit charges to
surgeon’s fee, doctor’s fee, anaesthesia, blood, oxygen, operation
theatre charges, etc.
• Day Care (less than 24 hrs of Hospitalisation )
We also pay for your medical expenses if you undergo day care
treatment at a hospital that requires hospitalisation for less than
24 hours – we cover comprehensive range of day care treatments.
2. Pre-Hospitalisation (Up to 30 days)
• Examination, tests and medication
Sometimes the procedures that finally lead you to hospital, such
as investigative tests and medication, can be quite financially
draining. We cover the medical expenses incurred by you
before your hospitalisation.
• Getting to the hospital
It is our utmost concern that you get the medical attention you
require as soon as possible, especially in an emergency. We will
reimburse you for expenses that you incur on an ambulance
service offered by the hospital or any service provider, in an
emergency situation.
3. Post-Hospitalisation (Up to 60 days)
• Back home and till you are back on your feet
The expenses don’t end once you are discharged. There are
bound to be follow-up visits to your medical practitioner,
medication that is required and sometimes even further
confirmatory tests. We also cover the medical expenses incurred
by you after your hospitalisation.