Care Joy Today vs Care Heart

Single Private AC room covered

Up to ₹3 L sum insured – 1% of Sum Insured per day

No restriction on ICU room rent

Up to ₹3 L sum insured – 2% of Sum Insured per day

Not Specifically mentioned

Yes

20% for above 61 years unless waived by extra premium

In-built co-payment: 20% if entry age ≤ 70 years, 30% if entry age > 70 years.

Not Available

Provides 1 restoration of the base cover upon exhaustion, applicable for unrelated illnesses only

8000+ Healthcare Providers

21700+ Healthcare Providers

Not Available in the base plan but you can add a rider to avail

Your sum insured increases by 10% each policy year as a No-Claim Bonus, up to 50% of the sum insured. The bonus reduces by 10% for every claim paid

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Included within hospitalisation expenses.

No. However, available as an add-on

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

30 days

30 days

2 years

2 years

3 years

2 years

Covered

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Not Stated

Health check-up is available from the first policy year

You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved

You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved

You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it

You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it

OPD expense is not included.

OPD expense is not included

Not Available

Not available

8000+ Healthcare Providers

Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L

96%

96%

Available including pre-natal and post-natal expenses, up to ₹35,000 or ₹50,000 based on sum insured; maternity cover available up to age 45.

Not available