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Insurance Plans Comparison

Star Women Care vs Care Joy Today

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

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Star

What Makes It Special:

Star Women Care is a specialized health plan designed for women and their families. It offers coverage from ₹5 lakh to ₹1 crore with benefits like maternity, newborn care, preventive check-ups, OPD consultations, and wellness rewards. The plan also includes coverage for surrogacy, oocyte donation, modern treatments, AYUSH, and organ...

Best For:

  • Wellness-linked, preventive care insurance

  • Automatic sum insured restoration

  • Premium maternity and newborn care

  • Comprehensive women’s family health protection

  • (4-5 word description of the type of plan)

VS
Care

What Makes It Special:

Care Joy Today is a comprehensive maternity and health insurance plan designed to support women through pregnancy and beyond. It covers delivery and related hospitalisation costs, pre- and post-natal care, and newborn expenses up to 90 days. With features like day-care treatments, ambulance cover, and cashless hospitalisation across 8,000+ hospitals,...

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

Insurance Plans Comparison

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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

Star Women Care

  • You prefer no medical check-up before purchase

  • You enjoy earning wellness points and premium discounts

  • You need surrogacy and oocyte donor coverage

  • You want automatic sum insured restoration after a claim

  • You value OPD consultations and yearly health check-ups

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.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Women Care
Women Care

Health Insurance Plan

Brochure

Policy Wording

VS
Joy Today
Joy Today

Health Insurance Plan

Brochure

Room Rent

Women Care

Up to 1% of SI (₹5L); Single AC up to ₹25L; any room above ₹50L

VS

Joy Today

Single Private AC room covered

ICU Charges

Women Care

No restriction on ICU room rent

VS

Joy Today

No restriction on ICU room rent

Disease-wise sublimits

Women Care

No

VS

Joy Today

Not Specifically mentioned

Co-payment

Women Care

Yes (subject to co-payment of 10% for insured person whose age at the time of entry is 61 years and above)

VS

Joy Today

20% for above 61 years unless waived by extra premium

Cashless Healthcare Providers

Women Care

13000+ Healthcare Providers

VS

Joy Today

8000+ Healthcare Providers

Restoration Benefit

Women Care

100% once after full/partial utilization in a year

VS

Joy Today

Not Available

Daycare Treatment

Women Care

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

VS

Joy Today

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

Cumulative Bonus

Women Care

20% each year, up to 100%

VS

Joy Today

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

AYUSH Treatment

Women Care

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

VS

Joy Today

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

Consumable Cover

Women Care

Yes

VS

Joy Today

Included within hospitalisation expenses.

Initial Waiting Period

Women Care

30 days.

VS

Joy Today

30 days

Specific Waiting Period

Women Care

2 years

VS

Joy Today

2 years

PED Waiting Period

Women Care

3 years

VS

Joy Today

3 years

Modern Treatment

Women Care

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

VS

Joy Today

Covered

Annual Health Checkup

Women Care

Health check-up is available once every policy year, from day 1 of the policy

VS

Joy Today

Not Stated

Pre-Hospitalisation

Women Care

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

VS

Joy Today

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

Post-Hospitalisation

Women Care

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

VS

Joy Today

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

Outpatient Department Cover (OPD Expense)

Women Care

OPD is available

VS

Joy Today

OPD expense is not included.

Deductible Option

Women Care

Not Available


VS

Joy Today

Not Available

Coverage Options

Women Care

Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L,₹1 Cr


VS

Joy Today

8000+ Healthcare Providers

Claim Settlement Ratio

Women Care

82.31%

VS

Joy Today

96%

Maternity Cover

Women Care

Available

VS

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.

Insurance Plans Comparison

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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.

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