How does OneAssure help me compare health insurance policies and choose the best plan?

OneAssure allows you to compare multiple health insurance policies side by side, analyzing coverage, premiums, hospital networks, and benefits to choose the most suitable plan for your needs.

What is the difference between cashless and reimbursement claims in health insurance policies?

Cashless claims let you get treatment at network hospitals without paying upfront, while reimbursement claims require you to pay first and get refunded later.

Does OneAssure provide expert guidance while selecting health insurance with maternity or newborn coverage?

Yes, OneAssure’s insurance experts guide you in selecting plans with maternity benefits, newborn cover, and short waiting periods for family planning needs.

How do co-payment clauses impact health insurance premiums and claim settlements?

Co-payment means you share a part of the claim cost. Opting for co-pay lowers your premium but increases your out-of-pocket expenses.

Which health insurance plan offers the best coverage for critical illnesses and pre-existing diseases?

Plans with comprehensive coverage, minimal waiting periods, and optional critical illness riders are ideal. OneAssure helps identify policies that best meet these requirements.

Can I compare waiting periods and sub-limits for hospitalisation expenses on OneAssure?

Yes, OneAssure’s comparison tool highlights waiting periods, sub-limits, and exclusions so you can choose a policy that maximizes benefits and minimizes restrictions.

What are room rent limits in health insurance, and how do they affect claims?

Room rent limits cap the daily room cost covered by your insurer. Choosing a plan without strict limits ensures higher claim payouts.

Does OneAssure assist with health insurance claims and renewals after I purchase a policy?

Absolutely. OneAssure provides end-to-end support for claims, renewals, and queries, ensuring a hassle-free experience throughout your policy tenure.

How can I check if a health insurance plan covers daycare procedures and modern treatments?

OneAssure’s policy comparison clearly lists daycare and advanced treatment coverage, helping you pick a plan aligned with your healthcare needs.

What documents are needed to buy and claim a health insurance policy online via OneAssure?

To buy a policy, you need ID proof, address proof, and medical details. For claims, hospital bills, prescriptions, and discharge summaries are required.

Health Insurance

Term Insurance

Blogs

Claims

Tools

Partner with us

Health Insurance
- Explore Insurers
- Explore Insurance Plans
- Explore Insurance Types
Term Insurance
- Explore Insurers
Blogs
Claims
- Claim Stories
- Explore Insurers
Tools
- Explore Calculators

Partner with us

Oneassure

Health Insurance

Compare Health Insurance Plans

Joy Vs Complete Health Insurance Health Shield

Insurance Plans Comparison

Care Joy 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 coverage, benefits, and premiums to find the perfect plan for your needs.

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

Joy

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

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.

Name

Phone Number

Your Enquiry

Name

Phone Number

Your Enquiry

Quick Decision Guide

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.

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

Health Insurance Plan

Brochure

Complete Health Insurance Health Shield

Health Insurance Plan

Brochure

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.	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 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.	Complete Health Insurance Health Shield Covered under eligible inpatient hospitalisation, subject to policy terms.

Advanced Treatments
Joy Information Unavailable	Complete Health Insurance Health Shield Covers advanced treatments, including robotic surgeries, stem cell therapy, immunotherapy, and modern cancer treatments

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.	Complete Health Insurance Health Shield 10% of copay will be applied to every admissible claim.

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).	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.

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.	Complete Health Insurance Health Shield 10,896+ hospitals across India.

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.	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.

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.	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.

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.

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.

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.	Complete Health Insurance Health Shield Covered under the policy.

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.	Complete Health Insurance Health Shield

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.	Complete Health Insurance Health Shield Covered under this policy

Initial Waiting Period
Joy 30 days	Complete Health Insurance Health Shield 30 days for illnesses; injury-related hospitalisation is excepted.

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.	Complete Health Insurance Health Shield 24 months for specified illnesses and treatments.

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.

Complete Health Insurance Health Shield

24 months for specified illnesses and treatments.

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.	Complete Health Insurance Health Shield 24 months for declared and accepted pre-existing diseases.

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

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.

Complete Health Insurance Health Shield

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

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

Pre-Hospitalisation
Joy 30 days before admission. Expenses must relate to the same illness or injury and the hospitalisation claim must be admissible.	Complete Health Insurance Health Shield Up to 30 days.

Post-Hospitalisation
Joy 60 days after discharge. Expenses must relate to the same illness or injury and the main hospitalisation claim must be admissible.	Complete Health Insurance Health Shield Up to 60 days.

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.	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 No deductible applies. This is a base indemnity plan, not a top-up.	Complete Health Insurance Health Shield Not verified in the reviewed Health Shield document.

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

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.	Complete Health Insurance Health Shield FY 2024-25: 83.65%

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

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.

Complete Health Insurance Health Shield

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

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Joy

Health Insurance Plan

Brochure

Complete Health Insurance Health Shield

Health Insurance Plan

Brochure

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
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 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
Complete Health Insurance Health Shield Covered under eligible inpatient hospitalisation, subject to policy terms.

Advanced Treatments
Joy Information Unavailable
VS VS
Complete Health Insurance Health Shield Covers advanced treatments, including robotic surgeries, stem cell therapy, immunotherapy, and modern cancer treatments

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
Complete Health Insurance Health Shield 10% of copay will be applied to every admissible claim.

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
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.

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
Complete Health Insurance Health Shield 10,896+ hospitals across India.

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
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.

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
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.

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
Complete Health Insurance Health Shield Covered under the policy.

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
Complete Health Insurance Health Shield

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
Complete Health Insurance Health Shield Covered under this policy

Initial Waiting Period
Joy 30 days
VS VS
Complete Health Insurance Health Shield 30 days for illnesses; injury-related hospitalisation is excepted.

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
Complete Health Insurance Health Shield 24 months for specified illnesses and treatments.

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
Complete Health Insurance Health Shield 24 months for declared and accepted pre-existing diseases.

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

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

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
Complete Health Insurance Health Shield Up to 30 days.

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
Complete Health Insurance Health Shield Up to 60 days.

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
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 No deductible applies. This is a base indemnity plan, not a top-up.
VS VS
Complete Health Insurance Health Shield Not verified in the reviewed Health Shield document.

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

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
Complete Health Insurance Health Shield FY 2024-25: 83.65%

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
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.

Name

Phone Number

Your Enquiry

Name

Phone Number

Your Enquiry

Why Choose Our Expert Consultation?

End-to-End Support

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

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

End-to-End Support

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

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

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

Secure against age-related medical costs
Tailored for seniors healthcare needs

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

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

Explore Our Most Popular Plans

ICICI Lombard Elevate

Tata AIG Medicare Premier

HDFC ERGO My Optima Secure

Care Health Supreme

Niva Bupa Reassure 2.0

Tata AIG Medicare Select Plan

Niva Bupa Aspire Titanium Plus

Bajaj Allianz My Healthcare Plan

Star Health Women

Bajaj Allianz Health Ensure

Niva Bupa Health Companion

Care Health Ultimate

ICICI Lombard Elevate

Tata AIG Medicare Premier

HDFC ERGO My Optima Secure

Care Health Supreme

Niva Bupa Reassure 2.0

Compare With Other Health Insurance Plans

Joy vs Supreme Senior Premium

Joy vs Energy Silver Without Copay

Joy vs Ultimate

Joy vs EquiCover

Joy vs Optima Secure Global Plus

Joy vs Optima Secure

Joy vs Super Mediclaim

Joy vs Critical Illness Platinum Plan

Joy vs Health Recharge

Joy vs Golden Shield

Joy vs Optima Secure Plus

Joy vs Cancer Cover Activ Cancer Secure Plan

Joy vs LifeTime Health Global

Joy vs Women Care

Joy vs Aspire Diamond+

Joy vs Activate Booster Plan A

Joy vs myHealth Medisure Super Top-up

Joy vs Health Super Saver Standard

Joy vs Active Care Premier

Joy vs ProHealth Accumulate

Joy vs Health Booster SuperTopup Individual Adult 1 Year N

Joy vs Supreme Shine

Joy vs Health Shield 360 Retail

Joy vs Health Cardiac Care Silver & Gold Plan

Joy vs myHealth Suraksha Gold

Joy vs Max Protect Premium

Joy vs Elder Care

Joy vs Young Star Gold

Joy vs Assure

Joy vs Active Fit Plus

Joy vs Cancer Care Platinum

Joy vs Health Connect Elite

Joy vs Arogya Sanjeevani

Joy vs OneHealth Premium

Joy vs ProHealth Prime Protect

Joy vs Optima Lite

Joy vs Medicare Plus

Joy vs Activ Health Platinum Essential

Joy vs GoActive

Joy vs Criti Shield Family Shield

Joy vs Medicare Senior

Joy vs Enhance Super Top-up Two

Joy vs Reassure 3.0

Joy vs Medicare Protect

Joy vs Health AdvantEdge Plus

Joy vs Activ One SAVR

Joy vs Active Assure Diamond

Joy vs Activ One VIP

Joy vs Health Pulse Classic

Joy vs Advantage

Joy vs Mediclaim Insurance Policy

Joy vs iHealth

Joy vs Special Care Gold

Joy vs Energy Gold Without Copay

Joy vs Activ One Max

Joy vs Smart Super Health

Joy vs Classic

Joy vs Activ One Vytl

Joy vs Supreme

Joy vs Freedom

Joy vs Sarvah Pratham

Joy vs Joy Today

Joy vs Medi Classic

Joy vs Activate Booster Plan B

Joy vs Aspire Gold+

Joy vs Health Gain

Joy vs Aspire Platinum+

Joy vs Plus Complete

Joy vs Health Companion Family First Plan

Joy vs Reassure 2.0 Platinum+

Joy vs Reassure 3.0 Elite

Joy vs Enhance Super Top-up One

Joy vs Joy Tomorrow

Joy vs Reassure 3.0 Select

Joy vs Activ One VIP+

Joy vs Red Carpet Senior Citizens

Joy vs Super Surplus Gold

Joy vs Health SuperCharge

Joy vs Health Elite Plus

Joy vs Medicare Premier

Joy vs Family Health Optima

Joy vs Health Companion Variant 2022

Joy vs Health Companion Variant 3

Joy vs Plus Youth

Joy vs ProHealth Prime Advantage

Joy vs Critical Illness Silver Plan

Joy vs Health Premia Gold

Joy vs Health Premia Platinum

Joy vs Comprehensive

Joy vs HeartBeat Enhanced

Joy vs Reassure

Joy vs Complete Health Insurance Health Shield Plus Plan

Joy vs myHealth Suraksha Platinum

Joy vs Health Recharge Super Top Up Plan

Joy vs Supreme Value for Money

Joy vs Supreme Enhance Two

Joy vs Supreme Senior Super

Joy vs Supreme Enhance

Joy vs Reassure 2.0 Gold

Joy vs Active Fit Preferred

Joy vs LifeTime Health

Joy vs Medicare

Joy vs ProHealth Prime Active

Joy vs ProHealth Prime Senior Elite

Joy vs Advanced Top Up

Joy vs Multiplier Health

Joy vs Ultimate (Direct)

Joy vs Young Star

Joy vs Star Women Care Policy

Joy vs Health Assurance

Joy vs Family Plus

Joy vs Sarvah Param

Joy vs Optima Insurance

Joy vs Smart Super Health Assure

Joy vs Criti Shield Plus

Joy vs Health Care Supreme Ultimo

Joy vs Super Star

Joy vs Reassure 3.0 Black

Joy vs Health Guard Platinum

Joy vs Health Guard Gold

Joy vs Elevate (Direct)

Joy vs Senior First Platinum

Joy vs Extra Care Plus Super Top-up

Joy vs Health Care Supreme Smart

Joy vs Medi Classic Gold

Joy vs Smart Health Pro

Joy vs Optima Super Secure

Joy vs Optima Secure Global

Joy vs Special Care

Joy vs Medicare LITE

Joy vs NextGen

Joy vs Health Shield 360

Joy vs SecureHealth

Joy vs Energy Silver With Copay

Joy vs Supreme (Direct)

Joy vs Plus

Joy vs Medicare Select

Joy vs Complete Health Insurance Health Protect Plus Plan

Joy vs myHealth Koti Suraksha

Joy vs Senior

Joy vs myHealth Suraksha Silver

Joy vs Health Booster

Joy vs Complete Health Insurance Health Shield

Joy vs Cardiac Care Platinum

Joy vs Royal Sundaram Lifeline Elite

Joy vs HeartBeat Platinum

Joy vs Supreme Enhance One

Joy vs HeartBeat Gold

Joy vs Health Companion Variant 2

Joy vs Health Companion Variant 1

Joy vs Aspire Titanium+

Joy vs iHealth Plus

Joy vs Reassure 3.0 Classic

Joy vs Senior Health Advantage

Joy vs Health Wallet

Joy vs Elevate

Joy vs Heart

Joy vs Reassure 2.0 Titanium+

Joy vs Diabetes Safe Plan A

Joy vs Reassure 2.0 Bronze+

Joy vs Young Star Silver

Joy vs Enhance Super Top-up

Joy vs Health Elite

Joy vs Supreme Senior Health AdvantEdge

Joy vs Health AdvantEdge

Joy vs Supreme Super Saver

Joy vs Health Insurance Platinum

Joy vs Supreme Senior Premium

Joy vs Energy Silver Without Copay

Joy vs Ultimate

Joy vs EquiCover

Joy vs Optima Secure Global Plus

Complete Health Insurance Health Shield vs Supreme Senior Premium

Complete Health Insurance Health Shield vs Energy Silver Without Copay

Complete Health Insurance Health Shield vs Ultimate

Complete Health Insurance Health Shield vs EquiCover

Complete Health Insurance Health Shield vs Optima Secure Global Plus

Complete Health Insurance Health Shield vs Optima Secure

Complete Health Insurance Health Shield vs Super Mediclaim

Complete Health Insurance Health Shield vs Critical Illness Platinum Plan

Complete Health Insurance Health Shield vs Health Recharge

Complete Health Insurance Health Shield vs Golden Shield

Complete Health Insurance Health Shield vs Optima Secure Plus

Complete Health Insurance Health Shield vs Cancer Cover Activ Cancer Secure Plan

Complete Health Insurance Health Shield vs LifeTime Health Global

Complete Health Insurance Health Shield vs Women Care

Complete Health Insurance Health Shield vs Aspire Diamond+

Complete Health Insurance Health Shield vs Activate Booster Plan A

Complete Health Insurance Health Shield vs myHealth Medisure Super Top-up

Complete Health Insurance Health Shield vs Health Super Saver Standard

Complete Health Insurance Health Shield vs Active Care Premier

Complete Health Insurance Health Shield vs ProHealth Accumulate

Complete Health Insurance Health Shield vs Health Booster SuperTopup Individual Adult 1 Year N

Complete Health Insurance Health Shield vs Supreme Shine

Complete Health Insurance Health Shield vs Health Shield 360 Retail

Complete Health Insurance Health Shield vs Health Cardiac Care Silver & Gold Plan

Complete Health Insurance Health Shield vs myHealth Suraksha Gold

Complete Health Insurance Health Shield vs Max Protect Premium

Complete Health Insurance Health Shield vs Elder Care

Complete Health Insurance Health Shield vs Young Star Gold

Complete Health Insurance Health Shield vs Assure

Complete Health Insurance Health Shield vs Active Fit Plus

Complete Health Insurance Health Shield vs Cancer Care Platinum

Complete Health Insurance Health Shield vs Health Connect Elite

Complete Health Insurance Health Shield vs Arogya Sanjeevani

Complete Health Insurance Health Shield vs OneHealth Premium

Complete Health Insurance Health Shield vs ProHealth Prime Protect

Complete Health Insurance Health Shield vs Optima Lite

Complete Health Insurance Health Shield vs Medicare Plus

Complete Health Insurance Health Shield vs Activ Health Platinum Essential

Complete Health Insurance Health Shield vs GoActive

Complete Health Insurance Health Shield vs Criti Shield Family Shield

Complete Health Insurance Health Shield vs Medicare Senior

Complete Health Insurance Health Shield vs Enhance Super Top-up Two

Complete Health Insurance Health Shield vs Reassure 3.0

Complete Health Insurance Health Shield vs Medicare Protect

Complete Health Insurance Health Shield vs Health AdvantEdge Plus

Complete Health Insurance Health Shield vs Activ One SAVR

Complete Health Insurance Health Shield vs Active Assure Diamond

Complete Health Insurance Health Shield vs Activ One VIP

Complete Health Insurance Health Shield vs Health Pulse Classic

Complete Health Insurance Health Shield vs Advantage

Complete Health Insurance Health Shield vs Mediclaim Insurance Policy

Complete Health Insurance Health Shield vs iHealth

Complete Health Insurance Health Shield vs Special Care Gold

Complete Health Insurance Health Shield vs Energy Gold Without Copay

Complete Health Insurance Health Shield vs Activ One Max

Complete Health Insurance Health Shield vs Smart Super Health

Complete Health Insurance Health Shield vs Classic

Complete Health Insurance Health Shield vs Activ One Vytl

Complete Health Insurance Health Shield vs Supreme

Complete Health Insurance Health Shield vs Freedom

Complete Health Insurance Health Shield vs Sarvah Pratham

Complete Health Insurance Health Shield vs Joy Today

Complete Health Insurance Health Shield vs Medi Classic

Complete Health Insurance Health Shield vs Activate Booster Plan B

Complete Health Insurance Health Shield vs Aspire Gold+

Complete Health Insurance Health Shield vs Health Gain

Complete Health Insurance Health Shield vs Aspire Platinum+

Complete Health Insurance Health Shield vs Plus Complete

Complete Health Insurance Health Shield vs Health Companion Family First Plan

Complete Health Insurance Health Shield vs Reassure 2.0 Platinum+

Complete Health Insurance Health Shield vs Reassure 3.0 Elite

Complete Health Insurance Health Shield vs Enhance Super Top-up One

Complete Health Insurance Health Shield vs Joy Tomorrow

Complete Health Insurance Health Shield vs Reassure 3.0 Select

Complete Health Insurance Health Shield vs Activ One VIP+

Complete Health Insurance Health Shield vs Red Carpet Senior Citizens

Complete Health Insurance Health Shield vs Super Surplus Gold

Complete Health Insurance Health Shield vs Health SuperCharge

Complete Health Insurance Health Shield vs Health Elite Plus

Complete Health Insurance Health Shield vs Medicare Premier

Complete Health Insurance Health Shield vs Family Health Optima

Complete Health Insurance Health Shield vs Health Companion Variant 2022

Complete Health Insurance Health Shield vs Health Companion Variant 3

Complete Health Insurance Health Shield vs Plus Youth

Complete Health Insurance Health Shield vs ProHealth Prime Advantage

Complete Health Insurance Health Shield vs Critical Illness Silver Plan

Complete Health Insurance Health Shield vs Health Premia Gold

Complete Health Insurance Health Shield vs Health Premia Platinum

Complete Health Insurance Health Shield vs Comprehensive

Complete Health Insurance Health Shield vs HeartBeat Enhanced

Complete Health Insurance Health Shield vs Reassure

Complete Health Insurance Health Shield vs Complete Health Insurance Health Shield Plus Plan

Complete Health Insurance Health Shield vs myHealth Suraksha Platinum

Complete Health Insurance Health Shield vs Health Recharge Super Top Up Plan

Complete Health Insurance Health Shield vs Supreme Value for Money

Complete Health Insurance Health Shield vs Supreme Enhance Two

Complete Health Insurance Health Shield vs Supreme Senior Super

Complete Health Insurance Health Shield vs Supreme Enhance

Complete Health Insurance Health Shield vs Reassure 2.0 Gold

Complete Health Insurance Health Shield vs Active Fit Preferred

Complete Health Insurance Health Shield vs LifeTime Health

Complete Health Insurance Health Shield vs Medicare

Complete Health Insurance Health Shield vs ProHealth Prime Active

Complete Health Insurance Health Shield vs ProHealth Prime Senior Elite

Complete Health Insurance Health Shield vs Advanced Top Up

Complete Health Insurance Health Shield vs Multiplier Health

Complete Health Insurance Health Shield vs Ultimate (Direct)

Complete Health Insurance Health Shield vs Young Star

Complete Health Insurance Health Shield vs Star Women Care Policy

Complete Health Insurance Health Shield vs Health Assurance

Complete Health Insurance Health Shield vs Family Plus

Complete Health Insurance Health Shield vs Sarvah Param

Complete Health Insurance Health Shield vs Optima Insurance

Complete Health Insurance Health Shield vs Smart Super Health Assure

Complete Health Insurance Health Shield vs Criti Shield Plus

Complete Health Insurance Health Shield vs Health Care Supreme Ultimo

Complete Health Insurance Health Shield vs Super Star

Complete Health Insurance Health Shield vs Reassure 3.0 Black

Complete Health Insurance Health Shield vs Health Guard Platinum

Complete Health Insurance Health Shield vs Health Guard Gold

Complete Health Insurance Health Shield vs Elevate (Direct)

Complete Health Insurance Health Shield vs Senior First Platinum

Complete Health Insurance Health Shield vs Extra Care Plus Super Top-up

Complete Health Insurance Health Shield vs Health Care Supreme Smart

Complete Health Insurance Health Shield vs Medi Classic Gold

Complete Health Insurance Health Shield vs Smart Health Pro

Complete Health Insurance Health Shield vs Optima Super Secure

Complete Health Insurance Health Shield vs Optima Secure Global

Complete Health Insurance Health Shield vs Special Care

Complete Health Insurance Health Shield vs Medicare LITE

Complete Health Insurance Health Shield vs NextGen

Complete Health Insurance Health Shield vs Health Shield 360

Complete Health Insurance Health Shield vs SecureHealth

Complete Health Insurance Health Shield vs Energy Silver With Copay

Complete Health Insurance Health Shield vs Supreme (Direct)

Complete Health Insurance Health Shield vs Plus

Complete Health Insurance Health Shield vs Medicare Select

Complete Health Insurance Health Shield vs Complete Health Insurance Health Protect Plus Plan

Complete Health Insurance Health Shield vs myHealth Koti Suraksha

Complete Health Insurance Health Shield vs Senior

Complete Health Insurance Health Shield vs myHealth Suraksha Silver

Complete Health Insurance Health Shield vs Health Booster

Complete Health Insurance Health Shield vs Cardiac Care Platinum

Complete Health Insurance Health Shield vs Royal Sundaram Lifeline Elite

Complete Health Insurance Health Shield vs HeartBeat Platinum

Complete Health Insurance Health Shield vs Supreme Enhance One

Complete Health Insurance Health Shield vs HeartBeat Gold

Complete Health Insurance Health Shield vs Health Companion Variant 2

Complete Health Insurance Health Shield vs Health Companion Variant 1

Complete Health Insurance Health Shield vs Aspire Titanium+

Complete Health Insurance Health Shield vs iHealth Plus

Complete Health Insurance Health Shield vs Reassure 3.0 Classic

Complete Health Insurance Health Shield vs Senior Health Advantage

Complete Health Insurance Health Shield vs Health Wallet

Complete Health Insurance Health Shield vs Elevate

Complete Health Insurance Health Shield vs Heart

Complete Health Insurance Health Shield vs Reassure 2.0 Titanium+

Complete Health Insurance Health Shield vs Diabetes Safe Plan A

Complete Health Insurance Health Shield vs Reassure 2.0 Bronze+

Complete Health Insurance Health Shield vs Young Star Silver

Complete Health Insurance Health Shield vs Enhance Super Top-up

Complete Health Insurance Health Shield vs Joy

Complete Health Insurance Health Shield vs Health Elite

Complete Health Insurance Health Shield vs Supreme Senior Health AdvantEdge

Complete Health Insurance Health Shield vs Health AdvantEdge

Complete Health Insurance Health Shield vs Supreme Super Saver

Complete Health Insurance Health Shield vs Health Insurance Platinum

Complete Health Insurance Health Shield vs Supreme Senior Premium

Complete Health Insurance Health Shield vs Energy Silver Without Copay

Complete Health Insurance Health Shield vs Ultimate

Complete Health Insurance Health Shield vs EquiCover

Complete Health Insurance Health Shield vs Optima Secure Global Plus

Oneassure

Health Insurance

Compare Health Insurance Plans

Joy Vs Complete Health Insurance Health Shield

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.

Care Joy vs ICICI Lombard Complete Health Insurance Health Shield

Joy

Complete Health Insurance Health Shield

Get Personalized Advice

Quick Decision Guide

Care Joy

ICICI Lombard Complete Health Insurance Health Shield

Detailed Features Comparison

Joy

Complete Health Insurance Health Shield

Detailed Features Comparison

Still Confused? Get Expert Advice

Why Choose Our Expert Consultation?

End-to-End Support

Zero Spam. Zero Hassle

Free Expert Consultation

24/7 Claim Assistance

End-to-End Support

Zero Spam. Zero Hassle

Free Expert Consultation

24/7 Claim Assistance

What Our Experts Help You With

Personalised Recommendations

Expert-Led Policy Review

Smart, Tech-Enabled Experience

Explore Insurance Category

Senior Citizen Health Plan

Family Health Plan

Maternity Health Plan

Frequently Asked Questions (FAQs)

Explore Our Most Popular Plans

Compare With Other Health Insurance Plans

Related Blogs