Care Joy Today vs ICICI Lombard Elevate

Single Private AC room covered

Single private AC room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category

(Option to modify room category)

No restriction on ICU room rent

No restriction on ICU room rent

Not Specifically mentioned

No

20% for above 61 years unless waived by extra premium

Available as an option

Not Available

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

(per claim in a policy year for related/unrelated illnesses)

8000+ Healthcare Providers

10300+ Healthcare Providers

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

Your sum insured increases by 20% every year maximum upto 100%. However, you can pay an additional premium to increase sum insured up to 100%, every year.

(Option to boost coverage by 1x annually)

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured

Included within hospitalisation expenses.

No. However, available as an add-on

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

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

30 days

30 days

2 years

2 years

3 years

3 years

Covered

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Not Stated

Health checkup is not included as part of base cover. However, available as an add-on

You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved

You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved

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

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it.

OPD expense is not included.

OPD expense is not included as part of base cover. However, available as an add-on

Not Available

Not available

8000+ Healthcare Providers

Available sum insured options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr, ₹3 Cr and unlimited sum insured

96%

97.16%

Available including pre-natal and post-natal expenses, up to ₹35,000 or ₹50,000 based on sum insured; maternity cover available up to age 45.

No. However, available as an add-on.