Oneassure

Partner with us

Insurance Plans Comparison

ICICI Lombard Health Shield 360 Retail vs Care Joy

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

Read more
ICICI Lombard

Health Shield 360 Retail

Health Shield 360 Retail

What Makes It Special:

Health Shield 360 Retail is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.

Best For:

  • Not available
VS
Care

Joy

Care Joy Plan

What Makes It Special:

Joy focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

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

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

ICICI Lombard Health Shield 360 Retail

Not available

Care Joy

  • 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

Health Shield 360 Retail
Health Shield 360 Retail

Health Insurance Plan

Brochure

Policy Wording

VS
Joy
Joy

Health Insurance Plan

Brochure

Room Rent

Health Shield 360 Retail

Covered up to Annual Sum Insured as per plan opted

Covered up to Annual Sum Insured

VS

Joy

  1. Normal: Single Private Room with AC 
  2. ICU: No Limit
Advanced Treatments

Health Shield 360 Retail

Uterine Artery Embolization (UAE) and HIFU

Immunotherapy (Monoclonal Antibody Injection)

Green Laser/Holmium Laser Treatment for Prostate

Stem Cell Therapy for Hematological Conditions

Balloon Sinuplasty

Oral Chemotherapy

Robotic Surgeries

Stereotactic Radio Surgery

Deep Brain Stimulation

Intra Vitreal Injections

Bronchial Thermoplasty

Intra Operative Neuro Monitoring (IONM)

VS

Joy

Not Available

Co-payment

Health Shield 360 Retail

Not mentioned

VS

Joy

  1. While buying or renewing a policy at age 61 years and above, customers will have the choice to include or exclude the Co-payment feature that implies- Continuing the policy with 20% co-payment. Continuing the policy without 20% co-payment by opting a waiver benefit.
  2. .
Waiting Period

Health Shield 360 Retail

Initial Waiting Period: 30 days

VS

Joy

"Joy Today" with a 9-month waiting period and "Joy Tomorrow" with a 24-month waiting period

Cashless Healthcare Providers

Health Shield 360 Retail

Available through network hospitals and healthcare providers

VS

Joy

24800+ Health care providers 

Daycare Treatment

Health Shield 360 Retail

Covered up to Annual Sum Insured

VS

Joy

Included for both “JOY Today” and “JOY Tomorrow”.

AYUSH Treatment

Health Shield 360 Retail

Covered up to Annual Sum Insured

VS

Joy

AYUSH is Not Covered.

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

Compare With Other Health Insurance Plans

Health Shield 360 Retail vs Supreme (Direct)

Health Shield 360 Retail vs Senior First Gold Plan

Health Shield 360 Retail vs Activ One VIP

Health Shield 360 Retail vs Optima Secure Global Plus

Health Shield 360 Retail vs Health Recharge Super Top Up Plan

Joy vs Supreme (Direct)

Joy vs Senior First Gold Plan

Joy vs Activ One VIP

Joy vs Optima Secure Global Plus

Joy vs Health Recharge Super Top Up Plan

Oneassure

Health Insurance

Compare Health Insurance Plans

Health Shield 360 Retail Vs Joy

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.