Insurance Plans Comparison
ICICI Lombard Max Protect Premium vs Care Joy
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMax Protect Premium
A ₹1 crore family cover with international treatment and any-room access
What Makes It Special:
Max Protect Premium is the higher MaxProtect variant with a ₹1 crore sum insured. It adds international treatment cover, air ambulance access, and a claim protector feature, and allows any room category except suite.
Best For:
Buyers who do not need maternity cover or outpatient consultations
Frequent travellers who want air ambulance access
Buyers who want access to any room category except suite
Families who want a ₹1 crore sum insured with restoration
Buyers who need international treatment cover
VS
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
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
Kindly consult the insurer on co-payment and sublimits before buying.
Maternity and outpatient consultations are not covered.
Confirm the international cover limits, since the policy wording is not yet verified.
The PED waiting period is 3 years, so consider the add-on that reduces it to 2 years.
Premium costs more than Classic, so compare the added international benefits against your needs.
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
![]() Max Protect Premium Health Insurance Plan VS VS |
Joy Health Insurance Plan |
| Room Rent |
|---|
Max Protect Premium Any room except suite. Suite room charges are shared with the insurer. |
VS VS |
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. |
| ICU Charges |
|---|
Max Protect Premium Kindly refer to policy wording |
VS VS |
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. |
| Co-payment |
|---|
Max Protect Premium Kindly refer to policy wording. |
VS VS |
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. |
| Disease-wise sublimits |
|---|
Max Protect Premium Kindly refer to the policy wording. |
VS VS |
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). |
| Cashless Healthcare Providers |
|---|
Max Protect Premium 14,000+ cashless network hospitals |
VS VS |
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. |
| Restoration Benefit |
|---|
Max Protect Premium Restores up to 100% of the sum insured, multiple times in a policy year. Kindly consult the conditions. |
VS VS |
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. |
| Cumulative Bonus |
|---|
Max Protect Premium Kindly review the policy wording. |
VS VS |
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. |
| Daycare Treatment |
|---|
Max Protect Premium Kindly refer to the policy wording. |
VS VS |
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. |
| Consumable Cover |
|---|
Max Protect Premium Kindly refer to policy wording. |
VS VS |
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. |
| AYUSH Treatment |
|---|
Max Protect Premium Kindly refer to policy wording. |
VS VS |
Joy Not offered as a standard benefit. Treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homoeopathy, and other non-allopathic treatment, is excluded. |
| Initial Waiting Period |
|---|
Max Protect Premium 30 DAYS |
VS VS |
Joy 30 days |
| Specific Waiting Period |
|---|
Max Protect Premium Kindly refer to policy wording. |
VS VS |
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. |
| PED Waiting Period |
|---|
Max Protect Premium 3 years, reducible to 2 years with the add-on |
VS VS |
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. |
| Modern Treatment |
|---|
Max Protect Premium Covered. Kindly consult for limits. |
VS VS |
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. |
| Annual Health Checkup |
|---|
Max Protect Premium Not offered |
VS VS |
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. |
| Pre-Hospitalisation |
|---|
Max Protect Premium 60 days before hospitalisation. Kindly confirm. |
VS VS |
Joy 30 days before admission. Expenses must relate to the same illness or injury and the hospitalisation claim must be admissible. |
| Post-Hospitalisation |
|---|
Max Protect Premium 180 days after discharge. Kindly confirm. |
VS VS |
Joy 60 days after discharge. Expenses must relate to the same illness or injury and the main hospitalisation claim must be admissible. |
| Outpatient Department Cover (OPD Expense) |
|---|
Max Protect Premium Not covered. Doctor consultations are not covered. |
VS VS |
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. |
| Deductible Option |
|---|
Max Protect Premium Kindly refer to policy wording. |
VS VS |
Joy No deductible applies. This is a base indemnity plan, not a top-up. |
| Coverage Options |
|---|
Max Protect Premium ₹1 crore base cover. Room rent modifier and PED reduction add-ons available. |
VS VS |
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. |
| Claim Settlement Ratio |
|---|
Max Protect Premium FY 24-25: ~84% |
VS VS |
Joy 96.74% for FY 2024-25 (insurer-level, based on IRDAI public disclosures). This reflects Care Health Insurance overall, not Care Joy specifically. |
| Maternity Cover |
|---|
Max Protect Premium Not offered |
VS VS |
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. |
Insurance Plans Comparison
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