Care Joy Maternity Insurance Plan Vs. Star Women Care Insurance Plan

Care Joy Maternity Vs. Star Women Care Insurance Plan

It is no secret that choosing maternity insurance offers financial protection during pregnancy, pre-and postnatal care, pre-and post-hospitalization costs, ambulance fees, and delivery costs, regardless of whether you deliver naturally or via cesarean section. Therefore, purchasing maternity insurance, which is offered by many health insurance companies, is one of the best ways to handle such costs.

While the joy of parenthood may take some time to wear off, you won’t have to worry about the costs if you have adequate maternity insurance. Before and after the baby is delivered, couples should take several other factors into account. The best pregnancy insurance policy will also provide coverage for the newborn up to a certain period. There are two policies, namely Care Joy Maternity Insurance Policy and Star Women Care Insurance Policy, that offer maternity coverage.

Let’s take a look at both policies to understand their definitions, features, differences, premium calculation, and more.

Understanding Care Joy Maternity Insurance Policy

Care Joy is one of the most affordable pregnancy insurance policies in India Young couples can enroll in this plan’s insurance to help cover their high hospital and delivery costs. Family planning can become stress-free with maternity coverage.

With the Care Joy Maternity Insurance Policy, the policyholder will get coverage for pre-hospitalization costs, delivery costs, childbirth-related medical costs, post-hospitalization costs, vaccination costs, and any emergencies related to childbirth complications by purchasing a Care maternity insurance plan online. Both the insured mother and the child benefit from maternity coverage.

What is Star Women's Care Insurance Policy?

Star Women Care Insurance plan has been specifically created to address the medical requirements of modern women. This health insurance for women can also be purchased by pregnant women. In addition to standard hospitalization coverage, it offers coverage for maternity-related benefits like delivery costs, treatment for assisted reproduction, in-utero fetal surgery or repair, etc.

It provides full maternity benefits in addition to coverage for routine hospitalisation. This product has many distinctive features, including entry during pregnancy, no pre-acceptance medical screening, and an installment payment option for the premium. Hospitalisation for children, prenatal and postnatal deliveries, numerous medical consultations, preventive health checkups, and voluntary sterilisation are all covered in addition to routine hospitalisation. The fact that the policy covers up to a Rs. 1 Crore sum insured is its key selling point.

What are the Major Features and Benefits of the Care Joy Maternity Insurance Policy?

Here are the key features and benefits of choosing the Maternity Insurance Plan by Care Joy. 

Newborn Baby Cover:

The newborn infant is also covered by the Care Joy Maternity insurance plan. It can pay for a newborn baby’s expenses for up to 90 days after delivery.

New Born Baby Issues:

If a newborn child is found to have Down’s syndrome or cerebral palsy, the insurance company, subject to certain terms and conditions, pays a lump sum amount.

In-patient Care:

Complications during delivery are possible, but don’t worry; with the Maternity Insurance policy by Care Joy, you can receive total in-patient care while in the hospital.

Covers Advanced Technology Methods:

The major key feature and benefit of choosing the Care Joy Maternity policy is that it helps you access sustainable treatment with advanced medical care and makes good health available.

Maternity/Pregnancy Cover:

There is no denying the fact that pre and postnatal expenses can put financial stress on expecting couples. With the Care Joy maternity insurance plan, the mother and the child can avail the best treatment possible.

Pre & Post Hospitalization Cover:

Another major feature and benefit of Care Joy Maternity Insurance Policy is that it covers Pre-hospitalization expenses 30 days before the hospitalization. On the other hand, it covers post-hospitalization medical expenses incurred after the discharge for 60 days.

Single Private Room with AC:

As part of this maternity insurance plan by Care Joy, you have access to a single private room with AC.

Long-term Policy Tenure:

With the Care Joy Maternity Policy, you can avoid the hassle of quarterly or annual renewal by renewing the policy every three years.

Room Rent/Room Category:

If you choose this plan, you can get a single private room with air conditioning in any hospital, and the insurance provider will pay your related medical costs as a result.

Major Features and Benefits of Star Women Care Insurance Policy

Listed below are some of the top benefits and features of considering the Women Care Insurance Policy by Star. 

Pre-Medical Examination:

When it comes to buying the Star Women Care Insurance policy, there is no need for a pre-acceptance medical examination. However, pregnant women must submit the scan results from the 12th and 20th weeks of their pregnancy that were taken at the designated Star Health scan locations. Such a scan entails expenses that must be covered by the insured.


With the Women Care Policy by Star, you can rest assured that the medical costs incurred up to 60 days before the date of admission to the hospital are also covered, in addition to in-patient hospitalization.


Another major benefit of considering the Star Women Care Plan is that it covers post-hospitalization medical costs up to 90 days after the hospital discharge date.

Room Rent:

Room Rent is another key feature that comes with the Star Women Care Insurance Policy. For options of Rs. 5 lakh Sum Insured, any room (except suite or above category) is covered for up to 1% of the Sum Insured per day; any room for options of Rs. 10/15/20/25 lakh Sum Insured; and any room for options of Rs. 50/100/ lakh Sum Insured.

Organ Donor Expenses:

As long as the claim for the transplant is payable, in-patient hospitalisation costs incurred for organ transplantation from the donor to the insured recipient are reimbursed. Additionally, the Donor will be reimbursed for any costs related to complications that call for a second surgery or an ICU stay.

Bariatric Surgery:

For bariatric surgical procedures, hospitalisation costs up to the limits of Rs. 2,50,000 and Rs. 5,00,000—which include pre and post hospitalisation costs—are covered under the Star Women Care Insurance Policy. 

Star Mother Cover:

The Star Women Care Insurance Policy covers the costs of a Single Private A/C Room for the mother’s hospital stay if the insured person is a child under the age of 12, so long as the child is receiving ICU care and there is a valid hospitalisation claim.

Voluntary Sterilisation Expenses:

If the insured person is married and at least 22 years old, costs associated with voluntary sterilisation (Tubectomy/Vasectomy) are covered after a waiting period.

Cumulative Bonus:

When you choose the Star Women Care Insurance, you will recieve a cumulative bonus of 20% of the Sum Insured is given (For each year without a claim), up to a maximum of 100% of the Sum Insured.

Star Wellness Program:

Unlike other insurance policies, the Star Women Care insurance policy comes with a dedicated wellness program that was created to inspire and promote the insured person’s healthy lifestyle through various wellness activities. Additionally, renewal discounts may be obtained by using the accrued wellness bonus points.

Comparison Between Care Joy Maternity & Star Women Care Insurance Plan

To know the right and in-depth differences between the two policies, let’s discuss their key differences one by one.

ParametersCare Joy Maternity Insurance PlanStar Women Care Insurance Plan
Pre-hospitalization30 days before your hospitalization.60 days before the date of admission to the hospital are also covered.
Post-HospitalizationAfter discharge for 60 years.After 90 days from the date of discharge.
Sum Insured Options

The sum insured options are;

Rs. 35000 for Rs. 3 Lakh SI

Rs. 50000 for Rs. 5 Lakh SI

The Sum Insured options under this policy are;

Rs.5,00,000/-, Rs.10,00,000/-, Rs.15,00,000/-, Rs.20,00,000/- Rs.25,00,000/-, Rs.50,00,000/-


Hospitalization Expenses for Treatment of Newborn BabyCovered up to the first 90 days along with maternity coverage.Covered including vaccination expenses up to 12 months.
DiscountOffers a premium discount of up to 10%.Offers a 10% discount on 2-year premiums and 11.25% on 2 and 3-year premiums.
No Claim BonanzaA bonus of 100% of the sum insured under Joy Insurance for pregnancy.Not Available
Wellness ProgramNot AvailableA Dedicated Star Wellness Program.

Premium Illustration

Let’s use the example of a content marketing specialist from New Delhi named Mrs. Kusum Kumari. She was looking to purchase a maternity insurance policy that could shield her from high medical maternity costs and other post-hospitalizations. She came across two women-centric plans, namely the Star Women Care Insurance Plan and the Care Joy Maternity Insurance Policy after discussing with her family and companions.

Let’s take a look at the premium amount that she needs to pay for both plans.

Star Women Care Insurance Policy:

AgePolicy TenureSum InsuredPremium Amount
30 Years1 yearRs. 5 LakhsRs. 9, 399 (Including Tax)

Care Joy Maternity Insurance Policy:

AgePolicy TenureSum InsuredWaiting periodPremium Amount
25-35 Years1 yearRs. 5 Lakhs24 MonthsRs. 25740

Which is the Best Plan: Care Joy Maternity Plan or the Star Women Care Insurance Plan?

The fundamental question that needs to be answered when it comes to purchasing a maternity plan is when is the best time to do so. You should be aware that all maternity plans have a waiting period that, depending on the insurance provider and the specific maternity plan, can range from 9 to 48 months. Therefore, it’s crucial to buy a maternity plan in advance while considering the waiting period and your needs.

Plans for maternity/pregnancy insurance have high premium costs as well. This is because maternity care generally comes at a high cost, and claims will almost certainly be made. If you want to buy an insurance policy with a higher sum insured and longer pre- and post-hospitalization days cover, then the Star Women Care Insurance policy would be an ideal choice. On the other hand, if you are looking to buy a plan with lower coverage and no-claim bonus, then opting for the Care Joy Maternity Insurance policy may help you out.

Before choosing a plan, it is advised that you do extensive research on each one. The comparison ought to act as the basis for your investigation as a good place to start.

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