Health Insurance 255 views February 26, 2021

Considering the financial upheaval that a medical emergency can bring into an individual’s life, several insurers provide different health insurance plans. A suitable health insurance plan will take care of your finances whenever you are affected by some illnesses or diseases. On this page, we would compare Star Cancer Care Plan and Care Joy Tomorrow Plan. These are the two most popular plans among customers for different reasons altogether.

Health Insurance

Please fill the details below and our policy experts will call you to help figure out the correct health insurance policy for your needs

+91

Before moving further into the detailed comparison, you should check out some of their key features so that you can have an idea about these health insurance plans. Do check the table!

Star Cancer Care PlanCare Joy Tomorrow Plan

  1. First-ever pilot product for persons diagnosed with Cancer

  2. Coverage for modern treatment on choosing the indemnity cover option

  3. Multiple sum insured options

  4. Lump sum cover

  5. Coverage for accidents and other illnesses

  6. No pre-acceptance medical screening

  7. Lifelong renewability


  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. Single private room AC coverage

  7. Cover for expenses on advanced technology methods

Now, we will be going to compare Star Cancer Care Plan and Care Joy Tomorrow Plan in a detailed manner so that you can choose the right one for yourself. Keep reading to know more!

Let’s Compare Star Cancer Care Plan and Care Joy Tomorrow Plan

As we mentioned in the introduction, both these plans are popular among customers for different reasons. Star Cancer Care plan is a product especially made for individuals fighting against cancer or at risk of recurrence, metastasis, or second cancer which is unrelated to first cancer, whereas Care Joy Tomorrow is a unique maternity-specialized plan designed for mothers and their newborns.

Let’s compare these plans based on the sum assured, policy term, additional features, etc. Have a look!

The Flexibility of Choosing the Sum Assured

In the case of the Star Cancer Care plan, individuals can choose from two sum insured options of INR 3 lakh and INR 5 lakh. However, under this plan, there are three sections — Lump Sum Benefit, Indemnity Cover for Surgical & Interventional Therapy, and Indemnity Cover for Non-Surgical & Non-Interventional Therapy among which the sum insured will be distributed. The below table will give you a clearer idea about the same. Do check!

SectionsSum Insured Option of INR 3,00,000Sum Insured Option of INR 5,00,000
Lump-Sum - Recurrence, metastasis, second cancer unrelated to first cancerINR 1,50,000INR 2,50,000
Indemnity Cover - Surgical & Interventional TherapyINR 1, 00,000INR 1,50,000
Indemnity Cover - Non-Surgical & Non-Interventional TherapyINR 50,000INR 1,00,000

On the other hand, when you choose Care Joy Tomorrow Plan, you can choose from two sum insured options of INR 3 lakh and INR 5 lakh.

Policy Term

The policy term of the Star Cancer Care plan stands at 1 year. However, you can renew it every year. When we talk about the Care Joy Tomorrow plan, individuals can get a policy term up to 3 years. There is an important thing related to this plan from Care Life – the waiting period on maternity cover stands at 24 months from the inception of the policy.

Minimum Premium Amount

The minimum premium amount for the Star Cancer Care plan depends on several factors such as an individual’s age, sum insured amount, and two conditions before a claim under section 1 and post-claim under section 1. Before a claim, the minimum premium amount will be INR 17,400 per year for individuals of 5 months to 29 years old with a sum insured of INR 3 lakh. For the post-claim, the minimum premium will be INR 12,250 per year.

Additional Features of Star Cancer Care Plan and Care Joy Tomorrow Plan

Check out the table below to know what more you could get from these two plans.

ParticularsDetails
Minimum Age of Entry18 Years
Maximum Age of Entry65 Years
Minimum Age of Entry for a Dependent Child90 Days
Maximum Age of Entry for a Dependent Child25 Years
Minimum Sum AssuredRs.1 Lac
Maximum Sum AssuredRs.5 Lacs
Policy Term1 Year

Eligibility Criteria

Coming to the last factor, it is important to compare the eligibility criteria of Star Cancer Care plan and Care Joy Tomorrow plan. Any individual with an age between 5 months and 65 years diagnosed with Cancer (Stage 1 or 2) can choose the Cancer Care plan. Here, the proposer can be self, spouse, dependent children, and dependent parents.

In the case of the Joy Tomorrow plan, the entry age ranges between 18 years and 45 years, while there is no exit age which means individuals can enjoy lifetime renewability.

People Also Read