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Insurance Plans Comparison

Care Joy Today vs ICICI Lombard Complete Health Insurance Health Protect Plus Plan

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Care

Joy Today

Specialised plan for the Joy of you

What Makes It Special:

Care Joy is a hospitalisation plan with built-in maternity and newborn cover. The Joy Today variant is the faster-access option, with a 9-month waiting period for maternity claims. The other variant, Joy Tomorrow, has a 24-month wait. Maternity benefits are capped at ₹35,000 on a ₹3 lakh sum insured and ₹50,000...

Best For:

  • Long-term peace of mind with 3-year policy term

  • Cashless treatment across 8,000+ hospitals

  • Comprehensive family protection during pregnancy

  • Maternity and Newborn health coverage

VS
ICICI Lombard

Complete Health Insurance Health Protect Plus Plan

Cover maternity, a newborn and outpatient treatment together with hospital daily cash and a convalescence benefit, and reset up to 100% of the sum insured once in a policy year for a later unrelated illness.

What Makes It Special:

Health Protect Plus is a plan under ICICI Lombard Complete Health Insurance that combines inpatient hospitalisation cover with eligible daycare procedures, inpatient AYUSH treatment, pre- and post-hospitalisation expenses, and a reset benefit. The plan-specific Key Information Sheet also lists maternity cover after a 36-month waiting period, newborn baby cover following...

Best For:

  • Customers comparing hospitalisation benefits with optional critical illness, donor expense or personal accident covers.

  • Buyers who value a limited combined allowance for outpatient treatment and wellness expenses.

  • Policyholders who want a reset benefit after eligible use of the sum insured.

  • Eligible couples seeking maternity benefits with a three-year waiting period and defined delivery limits.

  • Buyers looking for inpatient hospitalisation and eligible daycare treatment cover.

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

Care Joy Today

  • You want cashless access to 8,000+ hospitals across India

  • You prefer short waiting period for maternity benefits (9 months)

  • You want maternity and newborn cover under one plan

  • You’re planning for pregnancy or expanding your family soon.

ICICI Lombard Complete Health Insurance Health Protect Plus Plan

  • Confirm which optional covers have actually been selected and paid for; critical illness, donor expenses and personal accident cover should not be assumed to be included automatically.

  • Treat the ₹5,000 outpatient and wellness allowance as a combined floater limit, not a separate limit for each benefit.

  • Review the cataract sub-limit carefully, as the applicable limit depends on the selected sum insured.

  • If maternity cover matters, check the 36-month waiting period, the requirement for both spouses to be insured and the delivery-related sub-limits.

  • Verify the sum insured and room-rent limits in the policy schedule before comparing premiums or coverage.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Joy Today
Joy Today

Health Insurance Plan

Brochure

VS
Complete Health Insurance Health Protect Plus Plan
Complete Health Insurance Health Protect Plus Plan

Health Insurance Plan

Brochure

Room Rent

Joy Today

Single Private AC room covered

VS

Complete Health Insurance Health Protect Plus Plan

ICICI Health Protect Plus offers coverage for room rent, including both normal and ICU hospitalization, without any sub-limits.

ICU Charges

Joy Today

No restriction on ICU room rent

VS

Complete Health Insurance Health Protect Plus Plan

Covered under inpatient treatment, subject to applicable policy terms and limits.

Advanced Treatments

Joy Today

Information Unavailable

VS

Complete Health Insurance Health Protect Plus Plan

Covers advanced treatments, including robotic surgeries, stem cell therapy (if medically necessary), oral chemotherapy, and modern procedures like targeted therapy.

Disease-wise sublimits

Joy Today

Not Specifically mentioned

VS

Complete Health Insurance Health Protect Plus Plan

Cataract: ₹20,000 per eye per policy year for sum insured up to ₹5 lakh; ₹1 lakh per eye per policy year for sum insured above ₹5 lakh.

Co-payment

Joy Today

20% for above 61 years unless waived by extra premium

VS

Complete Health Insurance Health Protect Plus Plan

Does not have a mandatory co-payment for most treatments. However, co-payment may apply for senior citizens or specific medical conditions as per policy terms.

Restoration Benefit

Joy Today

Not Available

VS

Complete Health Insurance Health Protect Plus Plan

Reset Benefit restores up to 100% of sum insured once per policy year, subject to policy conditions; it does not trigger on the first claim.

Cashless Healthcare Providers

Joy Today

8000+ Healthcare Providers

VS

Complete Health Insurance Health Protect Plus Plan

10,896+ hospitals across india 

Cumulative Bonus

Joy Today

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

VS

Complete Health Insurance Health Protect Plus Plan

10% of annual sum insured per claim-free year, up to 50%; a claim can reduce accrued bonus by 10% of annual sum insured at renewal.

Daycare Treatment

Joy Today

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

VS

Complete Health Insurance Health Protect Plus Plan

Covered under the policy. 

Consumable Cover

Joy Today

Included within hospitalisation expenses.

VS

Complete Health Insurance Health Protect Plus Plan

No separate consumables benefit verified in the available plan-specific information.

AYUSH Treatment

Joy Today

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

VS

Complete Health Insurance Health Protect Plus Plan

Covered under this policy

Initial Waiting Period

Joy Today

30 days

VS

Complete Health Insurance Health Protect Plus Plan

30 days for illnesses; injury-related hospitalisation is excepted.

Specific Waiting Period

Joy Today

2 years

VS

Complete Health Insurance Health Protect Plus Plan

24 months for specified illnesses and treatments.

PED Waiting Period

Joy Today

3 years

VS

Complete Health Insurance Health Protect Plus Plan

24 months of continuous coverage.

Modern Treatment

Joy Today

Covered

VS

Complete Health Insurance Health Protect Plus Plan

Not verified in the available Health Protect Plus Key Information Sheet.

Annual Health Checkup

Joy Today

Not Stated

VS

Complete Health Insurance Health Protect Plus Plan

Free health-check-up coupon each policy year, subject to a maximum of 2 coupons annually for floater policies.

Pre-Hospitalisation

Joy Today

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

VS

Complete Health Insurance Health Protect Plus Plan

Up to 30 days.

Post-Hospitalisation

Joy Today

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

VS

Complete Health Insurance Health Protect Plus Plan

Up to 60 days.

Outpatient Department Cover (OPD Expense)

Joy Today

OPD expense is not included.

VS

Complete Health Insurance Health Protect Plus Plan

Included with Wellness & Preventive Healthcare within a combined ₹5,000 floater limit.

Deductible Option

Joy Today

Not Available

VS

Complete Health Insurance Health Protect Plus Plan

Not verified in the available plan-specific information.

Coverage Options

Joy Today

8000+ Healthcare Providers

VS

Complete Health Insurance Health Protect Plus Plan

Individual or floater structure; exact sum insured choices require verification from the applicable schedule.

Claim Settlement Ratio

Joy Today

96%

VS

Complete Health Insurance Health Protect Plus Plan

Not verified against a current, comparable insurer-level CSR disclosure.

Maternity Cover

Joy Today

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.

VS

Complete Health Insurance Health Protect Plus Plan

Available after 36 months: normal delivery ₹15,000; caesarean delivery ₹25,000; pre- and post-natal expenses ₹2,000 each, subject to eligibility conditions.

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

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Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

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