Insurance Plans Comparison
Care Joy vs Future Generali Health Super Saver Standard
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreJoy
Maternity and newborn cover with a 9-month maternity waiting period
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
What Makes It Special:
Future Generali Health Super Saver Standard offers robust hospitalization coverage while rewarding claim-free years with up to an 80% renewal premium discount. The policy provides extensive protection including inbuilt maternity benefits, home healthcare, AYUSH treatments, extended pre-and post-hospitalization coverage, day care procedures, and access to an extensive nationwide cashless hospital...
Best For:
Buyers seeking flexible sum insured options ranging from ₹3 Lakhs to ₹50 Lakhs.
Patients requiring home healthcare services for ongoing medical treatment or post-surgical care.
Buyers wanting comprehensive coverage for alternative therapies like Ayurveda, Unani, Siddha, and Homeopathy.
Policyholders seeking inbuilt maternity coverage for delivery, pre-natal, and post-natal care.
Families and individuals looking to save up to 80% on renewal premiums by remaining claim-free.
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
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.
Future Generali Health Super Saver Standard
Ensure Future Generali’s 8,400+ cashless network hospitals include convenient facilities in your location.
Keep in mind the 24-month waiting period for pre-existing diseases and specified medical procedures.
Verify room rent and specific procedure sub-limits based on your selected base plan option.
Ideal if you require integrated maternity benefits after a 9-month waiting period.
Choose this plan if you want substantial long-term savings through an 80% discount on claim-free renewal years.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Joy Health Insurance Plan VS VS |
![]() Health Super Saver Standard Health Insurance Plan |
| Room Rent |
|---|
Joy Covers a Single Private Room with AC. A higher room category means room, boarding, nursing, OT and doctor/surgeon fees are reduced in proportion to the difference in room rent. |
VS VS |
Health Super Saver Standard Room, board, and nursing expenses covered up to single private room eligibility limits. |
| ICU Charges |
|---|
Joy ICU charges (ICU bed, monitoring devices, critical care nursing and intensivist charges) are payable as part of in-patient hospitalisation up to the sum insured. There is no separate ICU sublimit. |
VS VS |
Health Super Saver Standard Fully covered as part of medically necessary hospitalisation with no specific daily capping. |
| Co-payment |
|---|
Joy 20% of each admissible claim applies if the insured's entry age (eldest member for a floater) is 60 years or above. No co-payment applies for entry ages below 60. |
VS VS |
Health Super Saver Standard No mandatory co-payment percentage applied across entry age groups under base terms. |
| Disease-wise sublimits |
|---|
Joy No disease-specific caps apply to general hospitalisation, which is payable up to the sum insured. Fixed limits apply to maternity (₹35,000/₹50,000), newborn baby (₹30,000/₹50,000) and ambulance (₹1,000 per claim). |
VS VS |
Health Super Saver Standard Applicable sub-limits for maternity, cataract, mental illness, modern treatments, and optional procedures. |
| Cashless Healthcare Providers |
|---|
Joy Cashless treatment is available at 11,400+ Care network hospitals across India. Pre-authorisation is required, and the network list can change, so check the hospital list before admission. |
VS VS |
Health Super Saver Standard Cashless facility accessible across Future Generali’s empanelled nationwide network hospital list. |
| Restoration Benefit |
|---|
Joy Not available. Once the sum insured is used, it is not restored within the same policy year. The optional No Claim Bonanza is a bonus for claim-free years, not a restoration benefit. |
VS VS |
Health Super Saver Standard Sum insured restore options are subject to base policy terms and plan variant selection. |
| Cumulative Bonus |
|---|
Joy Optional "No Claim Bonanza", available for an additional premium. After three consecutive claim-free policy years, the sum insured increases by 100% of the expiring sum insured. The accrued bonus cannot exceed 100% of the sum insured in the renewed policy. If a claim is made, the accrued bonus is not carried to the next renewal, but the base sum insured is never reduced. The bonus is lost if the policy is not renewed within the grace period. |
VS VS |
Health Super Saver Standard Replaced by Super Saver Discount offering an 80% renewal premium discount for claim-free tenures. |
| Daycare Treatment |
|---|
Joy Covers a long list of procedures that need less than 24 hours of hospitalisation (for example cataract, dialysis, chemotherapy and radiotherapy, lithotripsy, tonsillectomy and arthroscopy). Cover is up to the sum insured and subject to waiting periods. |
VS VS |
Health Super Saver Standard Over 400 specified medical and surgical procedures requiring less than 24 hours hospitalisation covered.dis |
| Consumable Cover |
|---|
Joy Not covered. Non-medical items (for example gloves, masks, diapers, kits, belts, surcharges and similar items in the policy's non-payable list) are excluded. Some items, such as admission and registration charges, are treated as part of room or procedure charges and are not paid separately. |
VS VS |
Health Super Saver Standard Non-medical consumable items specified in policy exclusions are not covered under base policy. |
| AYUSH Treatment |
|---|
Joy Not offered as a standard benefit. Treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homoeopathy, and other non-allopathic treatment, is excluded. |
VS VS |
Health Super Saver Standard Inpatient hospitalisation covered under Ayurveda, Unani, Siddha, or Homeopathy in recognized government institutes. |
| Initial Waiting Period |
|---|
Joy 30 days |
VS VS |
Health Super Saver Standard 30 days initial waiting period applies for all illnesses except accidental injuries. |
| Specific Waiting Period |
|---|
Joy 24 months of continuous coverage for listed conditions and procedures. These include arthritis and spinal disorders, joint replacement, benign ENT disorders, benign prostatic hypertrophy, cataract, piles/fissure/fistula, hernia and hydrocele, hysterectomy for fibroids, kidney or gall bladder stones, and varicose veins. Accident-related claims are exempt. Prior continuous coverage can reduce the waiting period. If a listed condition is also pre-existing, the longer waiting period applies. |
VS VS |
Health Super Saver Standard 24 months for specified conditions; 48 months for joint replacements due to degenerative conditions. |
| PED Waiting Period |
|---|
Joy 36 months of continuous coverage from the first policy with Care. Pre-existing conditions must be declared at proposal. If the sum insured is increased, the waiting period applies afresh to the increased amount. Continuous prior coverage with another insurer can reduce the waiting period on porting. |
VS VS |
Health Super Saver Standard 24 months waiting period for pre-existing diseases and their direct medical complications. |
| Modern Treatment |
|---|
Joy Covers 12 listed advanced treatments within the sum insured: uterine artery embolization and HIFU, balloon sinuplasty, deep brain stimulation, oral chemotherapy, monoclonal antibody immunotherapy (injection), intravitreal injections, robotic surgeries, stereotactic radio surgeries, bronchial thermoplasty, laser prostate vaporisation (green laser or holmium laser), intra-operative neuro monitoring (IONM), and hematopoietic stem cell therapy for bone marrow transplant in blood disorders. Advanced methods outside this list are not covered. |
VS VS |
Health Super Saver Standard Restricted to 50% of the Sum Insured per policy period for listed modern procedures. |
| Annual Health Checkup |
|---|
Joy Not available as a benefit. Depending on age and sum insured, Care may ask for pre-policy medical tests at its own cost. If the proposal is declined or the policy is cancelled in the free-look period, the test cost is deducted from the refund. |
VS VS |
Health Super Saver Standard Available annually for insured members as per eligible benefit structure and plan options. |
| Pre-Hospitalisation |
|---|
Joy 30 days before admission. Expenses must relate to the same illness or injury and the hospitalisation claim must be admissible. |
VS VS |
Health Super Saver Standard Medical expenses covered up to 60 days immediately prior to hospital admission. |
| Post-Hospitalisation |
|---|
Joy 60 days after discharge. Expenses must relate to the same illness or injury and the main hospitalisation claim must be admissible. |
VS VS |
Health Super Saver Standard Medical expenses covered up to 90 days immediately following hospital discharge date. |
| Outpatient Department Cover (OPD Expense) |
|---|
Joy Not covered. Routine consultations, tests and pharmacy bills without hospital admission are not payable. Pre- and post-natal expenses are covered only within the maternity limit and as part of the delivery hospitalisation claim. |
VS VS |
Health Super Saver Standard Outpatient medical and diagnostic procedures are excluded under standard inpatient base coverage. |
| Deductible Option |
|---|
Joy No deductible applies. This is a base indemnity plan, not a top-up. |
VS VS |
Health Super Saver Standard Voluntary deductible options are not part of the standard policy base structure. |
| Coverage Options |
|---|
Joy Sum insured of ₹3 lakh or ₹5 lakh, on an Individual or Family Floater basis. Policy term is 3 years. Entry age is 18 to 65 years for adults, 1 day to 24 years for children, and 1 day to 90 days for newborns. Lifelong renewability. Maternity cover is available only for insured women aged 45 or below. |
VS VS |
Health Super Saver Standard Available under both Individual and Family Floater sum insured policy options. |
| Claim Settlement Ratio |
|---|
Joy 96.74% for FY 2024-25 (insurer-level, based on IRDAI public disclosures). This reflects Care Health Insurance overall, not Care Joy specifically. |
VS VS |
Health Super Saver Standard Supported by Future Generali India Insurance's established claim processing performance track record. |
| Maternity Cover |
|---|
Joy Covers delivery hospitalisation (normal and C-section) including pre-natal and post-natal expenses: up to ₹35,000 on a ₹3 lakh sum insured and up to ₹50,000 on a ₹5 lakh sum insured. Waiting period is 9 months of continuous coverage. Newborn baby cover applies if the maternity claim is admissible. Voluntary termination of pregnancy in the first 12 weeks and miscarriage (unless caused by an accident) are not covered. Ectopic pregnancy is covered under regular hospitalisation, not the maternity limit. |
VS VS |
Health Super Saver Standard Covered after a 9-month waiting period, subject to sub-limits based on plan options. |
Insurance Plans Comparison
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