Religare Health Insurance launch Maternity Insurance Plan - Buy instant policy, No paper work‎ with Cashless @ 4100 hospitals. Religare Health Insurance launch one of the most joyous experiences one can ever have. 

That’s why we have designed ‘JOY’ - that not only covers hospitalization expenses during pregnancy but also addresses your maternity and health needs, for both today and tomorrow.
When a member of your family is sick or hurt, the last thing you want to think about is how you’re going to pay for it. You just want them to get the care they need right away. 


That’s why its important to do your homework now and get the right family health insurance plan today so you don’t have to think about it when something does come up.Health insurance plans that provide maternity coverage will generally cover the standard medical costs associated with a healthy pregnancy. 

 
‘JOY’ -  with Maternity and new born cover has unique features like Health Insurance Policy


  • Cashless treatment at 4100+ hospitals
  • A perfect blend of hospitalization and maternity insurance
  • Industry’s lowest 'Waiting period' of only 9 months for maternity related claims.
  • New born baby cover
  • 100% increase of sum insured with no claim bonanza
Plan Details
Sum Insured – On annual basis
Rs. 3 Lakh
Rs. 5 Lakh
Hospitalisation Expenses
Yes, up to Sum Insured
Yes, up to Sum Insured
Room Category
Single Private Room with AC
Single Private Room with AC
Pre-Hospitalisation Medical Expenses
Up to 30 days
Up to 30 days
Post-Hospitalisation Medical Expenses
Up to 60 days
Up to 60 days
Ambulance Cover
Up to Rs. 1,000 per Claim
Up to Rs. 1,000 per Claim
Maternity Cover (including Pre-natal & Post-Natal expenses)
Up to Rs. 35,000
Up to Rs. 50,000
Newborn Baby Cover
Up to Rs. 30,000
Up to Rs. 50,000
No Claim Bonanza (Optional Benefit)
Yes
Yes

Policy Terms
Entry Age - Minimum
Adult: 18 years
Child: 1 Day
New Born: 1 Day
Entry Age - Maximum
Adult: 65 years
Child: 24 years
New Born: 90 Days
Exit Age
Lifelong
Cover Type
Individual/ Family Floater
Renewal
Lifelong Renewability. The policy can be renewed under the then prevailing Health Insurance with Maternity Benefit Product or its nearest substitute approved by IRDA
Co-payment
If you enroll at the age of 61 years or more, you will have to pay 20% of the claim amount under the policy. We pay the rest.
Waiting Period
30 days for any illness except accident
9 months for maternity
2 years for specific treatments/illness
4 years for pre-existing diseases
Grace Period
30 days from the date of expiry to renew the policy
Policy Tenure
3 years
Maternity Cover
Available only up to 45 years of age

What is not covered? 
  • 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 (resulting from suicide, attempted suicide)
  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
  • Cost of spectacles/contant lenses, dental treatment
  • Medical expenses incurred for treatment of AIDS
  • Congenital disease
  • Tests and treatment relating to infertility and in-vitro fertilisation.
Air Travel:  Your Booking Options


Are you looking to take a trip or a vacation that will require you to fly?  If you are, you will need to make your airline reservations soon.  When doing so, you will find that you have a number of different options.  A few of your options, as well as the pros and cons to each, are highlighted below.

One of the easiest ways to book travel arrangements, including airline reservations is to use the internet. When using the internet, many turn to online travel websites.  In fact, online travel websites have increased in popularity over the years.  When using an online travel website to book your airline reservations, you need to enter in the number of travelers, your intended dates of travel, where you will be leaving from, and your destination.  You will then be provided with a list of flights that meet your needs.  All of these flights, which often include different airlines, should be compared.

As previously stated, online travel websites are easy to use.  That is just one of the reasons why they are so popular.  Even inexperienced internet users can buy airline tickets from a travel website with ease.  As for the downside to using an online travel website, many charge you a small fee for using their services; however, this fee, if it is charged, is often added right into the quoted airfare rate.

In keeping with the internet, you can also book your airline reservations online, but directly through an airline.  When doing so, you will need to visit the online website of an airline that you know services your departure and arrival locations.  These websites can easily be found with a standard internet search.  Next, you will need to enter in your intended dates of travel, your starting point, and your destination.  This is similar to what you need to do to use online travel websites.

As for the pros or plus sides to making your airline reservations online, but directly through an airline company, there are a number of them.  The internet makes planning a trip and buying airline tickets easy and convenient.  There are many others who take comfort in knowing that they are buying their tickets directly from the source.  As for the downsides to buying your next set of airline tickets this way, you will find that it can be difficult to compare prices.  In fact, if you want to compare the prices of different airlines, you will need to visit multiple websites to do so.

Another one of your options, when looking to buy airline tickets, involves doing so over the phone.  Most airlines will allow you to make over the phone reservations.  Once you have the phone number needed to place your reservations, it is relatively easy to do.  This option is ideal for those who are concerned with internet security, like individuals who have computers not protected by anti-virus software.  Truthfully, the only downside to this method of booking is the time that you may have to spend on the phone; it can be quite long.

As outlined above, you have a number of different options, when looking to buy tickets for your next trip or vacation.  Regardless of which approach you take, you will likely need to have a credit card or a debit card that can be processed as a credit card.

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er all, it is important to remember that choosing the right airline can have a significantly impact on your trip.



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As for electronics, you will find that almost all are allowed aboard an airplane in carry-on bags.  These items include camcorders, laptop computers, cell phones, pagers, and PDA systems.  In fact, airports often recommend keeping these items in carry-on bags, as storing them in checked baggage is often risky, in terms of damage.

The above mentioned rules and restrictions, concerning items prohibited aboard an airplane in carry-on bags, are just a few of the many rules that apply.  As a reminder, you should take the time to familiarize yourself with all airport rules and restrictions before you starting packing for your trip.


Air Travel:  Why You Should Research Airlines and How to Do So


Do you need to book a flight soon?  Whether you are looking to take a vacation, visit a sick loved one, move, or take a business trip, it is important to remember that you do have a number of different options.  No matter where you are flying to or from, you have a number of different flight options, often all on the same day.

As previously stated, you have a number of options when looking to travel by airplane.  In addition to having different flights departing at different times, you may also have different airlines to choose from.  With a number of different airlines to choose from, you may be wondering what you should do.  Of course, you will want to choose the shortest flights or those that have convenient departure and arrival times for you, but you will also want to examine the airline in question.  Before booking a flight, you should do a little bit of research first, especially if you have multiple airlines to choose from.

When it comes to researching airlines, many travelers wonder exactly why they should do so.  It is important to remember that your air travel experiences can have a significant impact on the overall success and enjoyment of your trip.  This is particularly important if you have and will be traveling with children, as you may need more help and flexibility.  Is the airline in question known for catering to and extending extra help to families or those with disabilities?  They should be if you are looking for a pleasant time in the air.

As nice as it is to know that you should examine airlines and their reputations, you may be wondering how you can go about doing so.  The good news is that you have a number of different options, starting with those that you know.  Ask any friends or family members for advice.  Which airline did they travel on?  Did they have a good experience?  Would they recommend the same airline to you?  If you are traveling with children, be sure to ask other parents about their experiences.

The internet can also be used to learn more about an airline, their reputation, and how travelers are treated.  When using the internet, you have a number of different approaches that you can take.  There are many professional magazines and other consumers related companies that rate and review businesses, including airline companies.  How did the airline that you want to fly on rate?  What are the pros and cons of flying with them?

In keeping with using the internet to research airlines that you can fly with, you will want to look for ratings and reviews from people just like you, everyday travelers.  This is relativity easy to do online.  Many consumers talk on online message boards about their good and bad experiences with an airline.  There are also many who file complaints with consumer reporting agencies and other similar online websites, which will make the information available for public viewing.  This information can easily be found with a standard internet search.  For example, you can search the phrases “Delta complaints,” “American Airlines, complaints,” and so forth.

Since it is relativity easy for you to examine airlines and their reputations, especially when using the internet, you will want to do so.  After all, it is important to remember that choosing the right airline can have a significantly impact on your trip.


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As for electronics, you will find that almost all are allowed aboard an airplane in carry-on bags.  These items include camcorders, laptop computers, cell phones, pagers, and PDA systems.  In fact, airports often recommend keeping these items in carry-on bags, as storing them in checked baggage is often risky, in terms of damage.

The above mentioned rules and restrictions, concerning items prohibited aboard an airplane in carry-on bags, are just a few of the many rules that apply.  As a reminder, you should take the time to familiarize yourself with all airport rules and restrictions before you starting packing for your trip.


Air Travel:  What You Can and Cannot Carry-on a Plane


Are you the process of packing for an upcoming trip that you have scheduled?  If you are, does your trip call for air travel?  If it does, you may first want to take the time to familiarize yourself with TSA’s rules and restrictions, concerning prohibited items.  There are a number of benefits to doing so.


As previously stated, there are a number of benefits to familiarizing yourself with what items are allowed aboard an airplane or allowed in carry-on bags before you start packing for your trip.  One of those benefits is that you will be able to pass through airport security with ease.  This, alone, has a number of benefits, such as not missing a flight, no embarrassment, and no hassle to deal with.

When it come to familiarizing yourself with the items that are allowed aboard an airplane, namely in carry-on bags, you have a number of options.  Most airports will clearly outline what is allowed and isn’t allowed; however, you shouldn’t wait until the last minute to familiarize yourself with these rules.  Instead, you will want to visit the online website for the TSA.  This website can easily be found with a standard internet search.  A few of the rules and restrictions that you may find, concerning prohibited items, are outlined below for your convenience.

One concern that many individuals have is with sharp objects.  Generally, sharp object that can be used as a weapon are prohibited from being carried on a plane.  With that said, you will find exceptions to this rule.  For example, cuticle cutters, cigar cutters, kitting needles, and crochet needles are allowed.  Scissors are also permitted in carry-on bags, as long as they are less than four inches long and have blunt ends.

In keeping with sharp objects, disposable razors are allowed in carry-on bags, but many other sharp objects aren’t.  For example, box cutters, loose razor blades, and swords are not allowed in carry-on bags.  As for knifes, they are prohibited, unless the knives in question are plastic or non-sharp butter knifes.

Generally speaking, no sporting equipment is allowed to be carried on a plane, in carry-on bags.  This is because many pieces of sporting equipment can be used as a weapon, especially when in the wrong hands.  The TSA prohibits the carrying of baseball bats, ski poles, pole cubes, and hockey sticks.  If you must bring these items with you, they must be checked in an appropriate sized case or bag.

As for children’s toys, you will find that most items are allowed.  However, there is some concern with certain toys.  The TSA allows the carrying on of transformer robots as well as toy weapons.  With said, toy weapons are only allowed in carry-on bags if they do no look too realistic.  If you are a parent, it may be best to use your best judgment and leave all toy weapons at home, as there are many more things for your child to do on an airplane.

As for walking canes, as well as other medical equipment, like wheel chairs, they are allowed.  However, there may be some extra rules and restrictions, as well as steps taken.  For example, airport security may thoroughly check a walking cane, especially one that has two detachable parts.  This is done to ensure that no weapons or dangerous objects are concealed.

As for electronics, you will find that almost all are allowed aboard an airplane in carry-on bags.  These items include camcorders, laptop computers, cell phones, pagers, and PDA systems.  In fact, airports often recommend keeping these items in carry-on bags, as storing them in checked baggage is often risky, in terms of damage.

The above mentioned rules and restrictions, concerning items prohibited aboard an airplane in carry-on bags, are just a few of the many rules that apply.  As a reminder, you should take the time to familiarize yourself with all airport rules and restrictions before you starting packing for your trip.


Air Travel Tips for Parents with Teens

Are you the parent of a teenager?  If you are, are you in the process of planning a trip that requires air travel?  If so, you may be looking for tips that can help you and you family have a nice and pleasant flight.

When traveling with a teenager, you will find that you are very lucky.  This is due in part to your child’s age.  Teenagers are likely to be more pleasant and cooperative on flights, especially when compared to toddlers and preschoolers.  Still, you may be looking for some extra tips, just in case.

One of the first things that you will want to do is teach your child the importance of watching what is said at the airport.  With security concerns, it is not uncommon for travelers to be detained for a closer look, even just when joking.  Many teens do like to joke around, so be sure to let your teen know the danger of doing so.  Make sure that they know not to repeat certain words in an airport, such as knife, gun, bomb, or terrorist.  Your teenager may already know this important piece of information, bt there is no harm in providing a quick reminder.

If you let your child pack their own bags for your trip, be sure to give them a quick look over.  The checking of your teen’s carry-on luggage is extremely important.  Does your child have anything in their carry-on bag that may result your family being stopped at an airport security checkpoint?  As for checked baggage, make sure that your child’s bags are not overfilled.  Also, make sure that they don’t put anything of great value or importance, like a digital camera or a laptop computer, in a checked bag, as damage can occur.

You will also want to make sure that your child has a drink or snack for the trip. This is particularly ideal for short flights or picky eaters and drinkers. Although many dry snacks, like chips, are okay to pickup before arriving at the airport, drinks are another story.  Due to a limit on liquids, have your child get a soda, water, or juice at an airport store, namely one that is positioned after you have passed through all needed security checkpoints.  This approach may cost more money, but the end result is much less hassle.

Since all passengers are allowed a carry-on bag, you will want to make sure that your child brings things that interest them.  For example, books and magazines are cheap ways to keep teens occupied on an airplane ride.  Extra items that are perfect for teens include handheld video gaming consoles, DVD players, and MP3 players.  There are some locations in the United Stateswhere you can rent these items if you or your teen doesn’t already own them.  When using anything electronic, be sure to bring a few extra batteries and keep them in your purse or in a carry-on bag.

As highlighted above, there are a number of steps that you, as a parent, can take to ensure that your next family flight is pleasant for you and your teenager.  Although teenagers are more likely to be pleasant and cooperative, the above mentioned points can still provide you with much needed assistance, as well as comfort and peace of mind.


Air Travel Tips for Parents of Young Children


Are you the parent of an infant, toddler, or preschooler?  If you are, are you also in the process of planning a trip that requires air travel?  If you are, you may be dreading your upcoming flight.  After all, complications are all that many parents can think of.  With that said, there are a number of ways that you can make flying with your young children not only easy, but fun as well.

For children under two years of age, you will first want to examine the pros and cons of getting them their own seat.  Many airlines allow children under two to sit on the lap of an adult.  Getting an extra seat for a child under two will cost money, but you may be able to get a small discount when contacting the airline in question.  On the other hand, you will be able to have your own seat, which will be nice.  Most car seats can fit into airline seats.  Speaking of which, if you need to bring a car seat or a stroller, it will need to be scanned by airport security.

As for strollers, they are a good idea, even for children who can walk.  Most parents of toddlers are urged to give them a close look.  Most airlines will require you to handover your stroller before boarding a plane.  Once you arrive at your destination, your stroller should be waiting for you at the gate.  Using a stroller makes it easy for you to move around the airport and quickly.  This is ideal if you must hurry, like if you have short layovers.

Also, be sure to bring some formula, juice, and snacks for infants, toddlers, and preschoolers.  Although you will find some restrictions, most airport security officers will allow a child’s drink to pass through, as long as it is a small quantity only.  As for older children, like toddlers and preschoolers, you should be able to buy juice, water, and snacks at an airport store past security checkpoints.  Doing so is nice, as they are no security concerns about doing so.

It is also important to bring a bag for your child.  This bag should be filled with items that interest them.  Depending on the age of your child, great items include books, stickers, coloring books and few crayons, small toys, and flash cards.  These items will have to be scanned through airport security, so try to leave anything, namely toys, at home that may cause complications or delays.

Speaking of airport security, it is important to talk about the screening process and prepare your child for it.  For many toddlers and preschoolers, the whole ordeal can seem a little bit overwhelming and scary.  Your child will likely have to walk through the metal detectors themselves.  If you are traveling with another adult, have one go through first, so that your child can walk towards a familiar face.  You may even want to arrive at the airport early.  This gives and your child the opportunity to watch others go through the screening process first.

As for the flight itself, toddlers and preschoolers may love having a window seat.  If someone in your traveling party is assigned a window seat, try to let your toddler or preschool sit there instead.  As for the bag full of goodies you brought, refrain from giving everything to your child all at once.  This is likely to reduce boredom.  For children who may have their own seats, portable DVD players and laptop computers are advised.  They are a great way to keep a fussy child occupied.  If using a laptop computer, be sure not to choose a movie that will exceed the laptop’s battery life, as this may result in a very unhappy child.

The above mentioned tips are just a few of the many that can help you, as a parent, when traveling by air with young children.  For addition tips, just use your best judgment.  As a parent, you should know what will help to keep your child interested and happy.


Air Travel Tips for Families


Are you interested in taking a family vacation soon?  If you are, you may be looking for some guidance, especially if you and your family will be required to travel by airplane.  As stressful as it can sometimes be planning a trip and flying with a family, especially one that is large in size, there are a number of steps that can be taken to ensure that everyone has a fun and pleasant time.

One of the first things that you will want to do, when looking to plan a family vacation, is to make your airline reservations early. You will likely be better off when doing so, for a number of different reasons.  Perhaps, the greatest reason is the comfort and peace of mind that you may get from knowing that all of your travel arrangements are made and out of the way.

As for packing for your flight, you will want to make sure that your children’s bag are packed and properly.  Not only will you want to make sure that they have all needed supplies for your vacation, but you will also want to make sure that they have items for the airplane ride as well. Each person gets to have one carry-on bag.  You will want to make sure that each of your kids have one.

Speaking of carry-on bags for your children, be sure to fill them will fun activities for the plane ride.  What you will choose will all depend on your child’s age.  For example, younger children may benefit from books and a few small toys.  For older children, portable DVD players, handheld video games, toys, and magazines are a great idea.

You will also want to make sure that you have extra snacks on hand and in your carry-on bags.  This is important, as you don’t want to have to spend too much money at the airport.  It can get costly to feed a whole family, even just with snacks.  For that same reason, try to have everyone eat a full meal before you leave for the airport.  This step combined with snacks can help to reduce hunger, possibly resulting in shared meals during airport layovers, which can also help you save money.

As for drinks, do not bring any with you to the airport, unless you have a newborn or an infant.  If you have a baby, bring one prepared bottle of formula, but make sure to have some dry formula powder with you to prepare during a layover.  Drinks, with the exception of drinks for kids, are not allowed past airport security checkpoints and they will have to be thrown away.  When buying drinks at an airport store, past security, look for items that are reasonably priced or see if some family members, like you and your spouse, can share a drink.

As for when you arrive at the airport, be sure to stay together.  Also, be sure to set ground rules with your children.  These rules should include sticking together, not speaking to strangers, and so forth.  In fact, you will want to help each other out.  For example, if you have an older child, like a teenager, let them help you with finding the right gate, carrying bags, or keeping any younger children occupied.  Your trip will likely be much less stressful when everyone works together.


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