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Insurance Plans Comparison

Care Joy Tomorrow vs ICICI Lombard Complete Health Insurance Health Shield

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

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Care

Joy Tomorrow

Lower-cost maternity and newborn cover with newborn birth defect benefit

What Makes It Special:

Care Joy Tomorrow is a flexible and comprehensive health insurance plan designed to provide extensive coverage and protection for you and your family. It offers a wide range of sum insured options tailored to meet different healthcare needs and budgets. The plan covers hospitalization expenses, daycare procedures, pre and post-hospitalization...

Best For:

  • Extensive cashless treatment network

  • Flexible sum insured and add-on options

  • Comprehensive family health protection

VS
ICICI Lombard

Complete Health Insurance Health Shield

Add 10% to the sum insured after every claim-free year, up to 50%, and cover organ-donor expenses up to ₹10 lakh, with domiciliary hospitalisation and air ambulance paid over and above the sum insured.

What Makes It Special:

Health Shield is a variant listed under ICICI Lombard Complete Health Insurance. Its benefits include inpatient hospitalisation, eligible daycare procedures, inpatient AYUSH treatment, pre- and post-hospitalisation expenses, and a reset benefit that can replenish eligible cover after previous claims. The policy also lists a cumulative bonus and wellness services. Coverage...

Best For:

  • Customers who may use the policy's wellness services and preventive health-check-up facilities.

  • Buyers who want eligible daycare and inpatient AYUSH treatment covered.

  • Customers who value a cumulative bonus for claim-free years.

  • Individuals or families comparing different base sum insured options.

  • Buyers looking for hospitalisation cover with a reset benefit for subsequent eligible claims.

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 Tomorrow

  • You value wellness support and AYUSH treatment options

  • You want broad coverage including daycare and pre/post hospitalization

  • You want maternity and newborn cover under one plan

  • You’re planning pregnancy after 2+ years

ICICI Lombard Complete Health Insurance Health Shield

  • Verify that the Health Shield variant is still available and that the quoted UIN matches the policy document before purchase.

  • Compare the cataract sub-limit with your expected needs, especially if selecting a lower sum insured.

  • Check the 24-month PED and specified-disease waiting periods against your medical history.

  • Review the reset rules carefully, including the restrictions on using reset cover for the same illness.

  • Confirm the available sum insured and room-rent limit in the policy schedule before choosing the plan.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Joy Tomorrow
Joy Tomorrow

Health Insurance Plan

Brochure

VS
Complete Health Insurance Health Shield
Complete Health Insurance Health Shield

Health Insurance Plan

Brochure

Room Rent

Joy Tomorrow

Single Private AC room covered

VS

Complete Health Insurance Health Shield

Normal: Health Shield offers room rent and ICU coverage without sub-limits, ensuring full financial support for hospitalization, including intensive care expenses.

ICU Charges

Joy Tomorrow

No restriction on ICU room rent

VS

Complete Health Insurance Health Shield

Covered under eligible inpatient hospitalisation, subject to policy terms.

Advanced Treatments

Joy Tomorrow

  1. Robotic Surgery
  2. Stem Cell Therapy
  3. Organ Transplant
  4. Cancer Treatment
VS

Complete Health Insurance Health Shield

Covers advanced treatments, including robotic surgeries, stem cell therapy, immunotherapy, and modern cancer treatments

Co-payment

Joy Tomorrow

20% for above 61 years unless waived by extra premium

VS

Complete Health Insurance Health Shield

10% of copay will be applied to every admissible claim.

Disease-wise sublimits

Joy Tomorrow

Not Specifically mentioned

VS

Complete Health Insurance Health Shield

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.

Restoration Benefit

Joy Tomorrow

Not Available

VS

Complete Health Insurance Health Shield

Unlimited Reset Benefit is listed; reset does not trigger on the first claim and remains subject to illness, insured-person and other policy conditions.

Cashless Healthcare Providers

Joy Tomorrow

8000+ Healthcare Providers

VS

Complete Health Insurance Health Shield

10,896+ hospitals across India.

Daycare Treatment

Joy Tomorrow

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

VS

Complete Health Insurance Health Shield

Covered under the policy. 

Cumulative Bonus

Joy Tomorrow

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

VS

Complete Health Insurance Health Shield

10% of annual sum insured per claim-free year, up to 50%; accumulated bonus reduces by 10% of annual sum insured following a claim, as specified in the policy.

Consumable Cover

Joy Tomorrow

Included within hospitalisation expenses.

VS

Complete Health Insurance Health Shield



AYUSH Treatment

Joy Tomorrow

Information Unavailable

VS

Complete Health Insurance Health Shield

Covered under this policy

Initial Waiting Period

Joy Tomorrow

30 days

VS

Complete Health Insurance Health Shield

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

Specific Waiting Period

Joy Tomorrow

2 years

VS

Complete Health Insurance Health Shield

24 months for specified illnesses and treatments.

PED Waiting Period

Joy Tomorrow

3 years

VS

Complete Health Insurance Health Shield

24 months for declared and accepted pre-existing diseases.

Modern Treatment

Joy Tomorrow

Covered

VS

Complete Health Insurance Health Shield

Not verified as a separately defined benefit in the reviewed Health Shield document.

Annual Health Checkup

Joy Tomorrow

Not Stated

VS

Complete Health Insurance Health Shield

Health-check-up coupon each policy year, up to 2 coupons per year for floater policies.

Pre-Hospitalisation

Joy Tomorrow

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 Shield

Up to 30 days.

Post-Hospitalisation

Joy Tomorrow

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

VS

Complete Health Insurance Health Shield

Up to 60 days.

Outpatient Department Cover (OPD Expense)

Joy Tomorrow

OPD expense is not included.

VS

Complete Health Insurance Health Shield

Wellness points may be redeemable for eligible outpatient expenses; a fixed comprehensive OPD limit was not verified.

Deductible Option

Joy Tomorrow

Not Available

VS

Complete Health Insurance Health Shield

Not verified in the reviewed Health Shield document.

Coverage Options

Joy Tomorrow

Available coverage options:

VS

Complete Health Insurance Health Shield

Individual or family floater; listed sum insured options from ₹3 lakh to ₹50 lakh.

Claim Settlement Ratio

Joy Tomorrow

96%

VS

Complete Health Insurance Health Shield

FY 2024-25: 83.65%

Maternity Cover

Joy Tomorrow

Information Unavailable

VS

Complete Health Insurance Health Shield

Excluded under the reviewed policy wording, except for stated policy exceptions such as ectopic pregnancy.

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

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

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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

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Senior Citizen Health Plan

Senior Citizen Health Plan

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  • Tailored for seniors healthcare needs

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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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