Health Insurance 172 views February 20, 2021

Medical emergencies don’t come with prior information and they often cost you a lot. So, what should you do to protect your finances in case you do face such a situation? Well, look for a health insurance plan that will cover you against any medical illnesses or conditions. Although there are several policies from which you can choose, we want to bring your attention to the two popular plans among customers — Star Health Comprehensive Plan and Care Joy Tomorrow Plan.

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We would be comparing both the plans in this article based on their striking features. Check out the table below to know the same!

Star Health Comprehensive PlanCare Joy Tomorrow Plan

  1. No capping on room rent

  2. Maternity Cover

  3. Automatic sum assured restoration

  4. Personal accident cover

  5. Renewal benefits

  6. Health check-up every policy year

  7. Complex medical procedures coverage

  8. Mid-term inclusion of newly married or wedded spouse


  1. Maternity cover

  2. Newborn baby cover

  3. Newborn baby defects coverage

  4. Longer policy coverage

  5. Single private room AC coverage

  6. Cover for expenses on advanced technology methods

  7. No pre-policy medical check-up for persons below 46 years of age

Now that you have an overview of both the Star Health Comprehensive Plan and Care Joy Tomorrow Plan, we will be comparing them in detail.  Keep reading!

Let’s Compare Star Health Comprehensive Plan and Care Joy Tomorrow Plan in Detail

Star health comprehensive plan can be the right option for individuals looking to have complete healthcare protection for their entire family either on an individual or floater basis. Care joy tomorrow plan, in contrast, is a unique maternity specialized plan for mothers and their newborns and provides coverage for maternity-related expenses. To compare these two plans further, we will be seeing them through several factors such as the premium amount, policy term, coverage, additional benefits, etc. Do check!

Choose the Sum Assured according to Your Convenience

What is that one important factor that you should not forget before choosing a health insurance plan? Well, it is the sum assured amount or coverage amount. In the case of the Star Health Comprehensive plan, individuals can choose from various sum insured options such as INR 5 lakh, INR 7.5 lakh, INR 10 lakh, INR 15 lakh, INR 20 lakh, INR 25 lakh, INR 50 lakh, INR 75 lakh, and up to INR 1 crore.

However, when we talk about the Care Joy Tomorrow Plan, you can choose from INR 3 lakh and INR 5 lakh.

Policy Term

In the case of any health insurance plan, the policy term denotes the period for which you will get the cover. You can choose from a policy term of 1 year, 2 years or 3 years when you choose a Star Health Comprehensive plan. However, on choosing a policy term of more than 1 year, you will not get carry-over benefits.

With the Care Joy Tomorrow plan, individuals can also get a policy term up to a maximum of 3 years.

Maternity Waiting Period

The waiting period on maternity cover stands at 24 months from the inception of these two policies. This means you can enjoy all the benefits related to maternity only after you have completed 24 months or more in these policies.

Minimum Premium Amount

Do remember that the premium amount depends on several factors such as the policy term, premium payment frequency, the sum assured amount, and the age at the time of entry. For Star Health Comprehensive plan, the minimum premium amount stands at INR 7,015 per year for an individual between 3 months to 35 years with a sum assured of INR 5,00,000.

Eligibility Criteria

It’s important to understand some conditions related to both these plans. In the case of the Star Health Comprehensive plan, an individual can be between 18 years and 65 years at the time of entering into the policy, while the entry age for the Care Joy Tomorrow plan ranges between 18 years and 45 years. For both the health insurance plans, there is no definite exit age, which means you can enjoy lifetime renewability.

Additional Features

In the below table, we are comparing the Star Health Comprehensive plan and the Care Joy Tomorrow plan based on some additional features. Have a look to understand them better!

FeaturesStar Comprehensive PlanCare Joy Tomorrow Plan
Pre-acceptance Medical ScreeningRequired only for Buyback PED, which is an optional cover)Required for insured persons with the age of 46 years or above
Day Care ProceduresAll Day Care Procedures are coveredAll Day Care Procedures are covered up to the sum insured
Pre- and Post-Hospitalization60 days before hospitalization and 90 days after discharge30 days Pre- and up to 60 days Post-hospitalization Expenses
Room Rent ExpensesAvailableSingle private room with AC coverage
Domiciliary Treatment (Treatment Taken at Home)AvailableUp to 10% of the sum insured covered after 3 days
ICU ChargesAvailableUp to the chosen Sum Insured
Emergency Ambulance CoverAvailableUp to INR 1,000 per hospitalization
Organ Donor ExpensesAvailable up to the Sum InsuredNot Available
Modern TreatmentsCovered up to the Sum Insured with a Sum-limitCovered up to a limit of the Sum Insured option
AYUSH Treatment (Ayurveda, Unani, Sidha or Homeopathy)AvailableAvailable up to a pre-decided limit
Air Ambulance expensesUp to INR 2, 50,000 per hospitalization with a maximum of INR 5,00,000 per policy periodNot Available
Maternity ExpensesAvailableUp to INR 50,000 for both pre-and post-natal expenses
New Born Birth Defects CoverageNot AvailableLump sum amount of INR 50,000
Free Look Period15 days from the date of receipt of the policy15 days from the date of receipt of the policy
Tax BenefitsAvailable under Section 80D of the Income Tax Act, 1961Available under Section 80D of the Income Tax Act, 1961

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