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Insurance Plans Comparison

Care Joy Today vs ICICI Lombard Max Protect Premium

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

Max Protect Premium

A ₹1 crore family cover with international treatment and any-room access

What Makes It Special:

Max Protect Premium is the higher MaxProtect variant with a ₹1 crore sum insured. It adds international treatment cover, air ambulance access, and a claim protector feature, and allows any room category except suite.

Best For:

  • Buyers who do not need maternity cover or outpatient consultations

  • Frequent travellers who want air ambulance access

  • Buyers who want access to any room category except suite

  • Families who want a ₹1 crore sum insured with restoration

  • Buyers who need international 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 Max Protect Premium

  • Kindly consult the insurer on co-payment and sublimits before buying.

  • Maternity and outpatient consultations are not covered.

  • Confirm the international cover limits, since the policy wording is not yet verified.

  • The PED waiting period is 3 years, so consider the add-on that reduces it to 2 years.

  • Premium costs more than Classic, so compare the added international benefits against your needs.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Joy Today
Joy Today

Health Insurance Plan

Brochure

VS
Max Protect Premium
Max Protect Premium

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Joy Today

Single Private AC room covered

VS

Max Protect Premium

Any room except suite. Suite room charges are shared with the insurer.

ICU Charges

Joy Today

No restriction on ICU room rent

VS

Max Protect Premium

Kindly refer to policy wording

Disease-wise sublimits

Joy Today

Not Specifically mentioned

VS

Max Protect Premium

Kindly refer to the policy wording.

Co-payment

Joy Today

20% for above 61 years unless waived by extra premium

VS

Max Protect Premium

Kindly refer to policy wording.

Restoration Benefit

Joy Today

Not Available

VS

Max Protect Premium

Restores up to 100% of the sum insured, multiple times in a policy year. Kindly consult the conditions.

Cashless Healthcare Providers

Joy Today

8000+ Healthcare Providers

VS

Max Protect Premium

14,000+ cashless network hospitals

Cumulative Bonus

Joy Today

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

VS

Max Protect Premium

Kindly review the policy wording.

Daycare Treatment

Joy Today

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

VS

Max Protect Premium

Kindly refer to the policy wording.

Consumable Cover

Joy Today

Included within hospitalisation expenses.

VS

Max Protect Premium

Kindly refer to policy wording.

AYUSH Treatment

Joy Today

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

VS

Max Protect Premium

Kindly refer to policy wording.

Initial Waiting Period

Joy Today

30 days

VS

Max Protect Premium

30 DAYS

Specific Waiting Period

Joy Today

2 years

VS

Max Protect Premium

Kindly refer to policy wording.

PED Waiting Period

Joy Today

3 years

VS

Max Protect Premium

3 years, reducible to 2 years with the add-on

Modern Treatment

Joy Today

Covered

VS

Max Protect Premium

Covered. Kindly consult for limits.

Annual Health Checkup

Joy Today

Not Stated

VS

Max Protect Premium

Not offered

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

Max Protect Premium

60 days before hospitalisation. Kindly confirm.

Post-Hospitalisation

Joy Today

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

VS

Max Protect Premium

180 days after discharge. Kindly confirm.

Outpatient Department Cover (OPD Expense)

Joy Today

OPD expense is not included.

VS

Max Protect Premium

Not covered. Doctor consultations are not covered.

Deductible Option

Joy Today

Not Available

VS

Max Protect Premium

Kindly refer to policy wording.

Coverage Options

Joy Today

8000+ Healthcare Providers

VS

Max Protect Premium

₹1 crore base cover. Room rent modifier and PED reduction add-ons available.

Claim Settlement Ratio

Joy Today

96%

VS

Max Protect Premium

FY 24-25: ~84%

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

Max Protect Premium

Not offered

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?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

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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