Care Joy Today vs Star Young Star Gold

Single Private AC room covered

Single Private Room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category

No restriction on ICU room rent

No restriction on ICU room rent

Not Specifically mentioned

Yes, certain diseases have coverage limits

20% for above 61 years unless waived by extra premium

Not Available

Not Available

Sum insured restores to 100% after each claim during the policy year

8000+ Healthcare Providers

13000+ Healthcare Providers

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

Sum insured increases by 20% every year, up to 100% max

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.

Yes

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

1 year

3 years

1 year

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 once every policy year, from day 1 of the policy

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 60 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 90 days after discharge, including physiotherapy if your doctor prescribes it

OPD expense is not included.

Not covered under base plan (available as add-on)

Not Available

Available as an option

8000+ Healthcare Providers

Available coverage options:₹3L, ₹5L, 10L, 15L, 20L, 25L, 50L, 75L and 1 Cr

96%

82.31%

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.

Available