Insurance Plans Comparison
Care Joy vs Star Young Star
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
Young Star
Star Young star policy
What Makes It Special:
Young Star Insurance Policy is a health insurance plan designed for adults between 18 and 40 years, with dependent children eligible from 91 days to 25 years on a floater basis. It offers individual and family floater coverage, automatic restoration of Basic Sum Insured, cumulative bonus, health check-up benefits, wellness...
Best For:
Buyers looking for long-term health insurance with lifelong renewability
Customers who want wellness-based premium discounts
Customers looking for automatic restoration of Basic Sum Insured
Young families seeking individual or family floater coverage
Adults between 18 and 40 years looking for health insurance
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.
The restored Sum Insured cannot be carried forward and does not apply to Modern Treatment.
The maternity benefit is available only under the Gold Plan and has specific eligibility and waiting period conditions.
Room eligibility is based on a Single Private A/C Room, with proportionate deductions for higher room categories.
Specified diseases and procedures have a 12-month waiting period.
The PED waiting period is 12 months.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Joy Health Insurance Plan VS VS |
![]() Young Star 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 |
Young Star Single Private A/C Room, with proportionate deductions applicable for higher room categories |
| 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 |
Young Star Covered as part of hospitalisation expenses |
| 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 |
Young Star No standard co-payment specified in the supplied policy document |
| 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 |
Young Star Applicable limits may apply to specific treatments and benefits |
| 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 |
Young Star Cashless hospitalisation available through Star Health network hospitals |
| 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 |
Young Star 100% Automatic Restoration of Basic Sum Insured, subject to 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 |
Young Star 20% of Basic Sum Insured for every claim-free year, up to 100% of Basic Sum Insured |
| 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 |
Young Star All Day Care Procedures Covered |
| 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 |
Young Star Not specifically mentioned in the supplied policy document |
| 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 |
Young Star Covered, subject to applicable policy terms |
| Initial Waiting Period |
|---|
Joy 30 days |
VS VS |
Young Star 30 Days, except for eligible accident-related claims |
| 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 |
Young Star 12 Months for specified diseases and procedures |
| 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 |
Young Star 12 Months for pre-existing diseases and their direct 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 |
Young Star Covered subject to applicable limits |
| 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 |
Young Star Available after completion of each policy year, subject to applicable limits and renewal |
| 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 |
Young Star Covered for up to 60 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 |
Young Star Covered for up to 90 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 |
Young Star Not specified as a standard OPD benefit |
| Deductible Option |
|---|
Joy No deductible applies. This is a base indemnity plan, not a top-up. |
VS VS |
Young Star 1-day deductible applies to the Hospital Cash Benefit |
| 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 |
Young Star ₹3 Lakh to ₹1 Crore, with ₹3 Lakh available only on an individual basis; higher options available on individual and floater basis |
| 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 |
Young Star Not specified in the supplied policy document |
| 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 |
Young Star Delivery expenses up to ₹30,000 per delivery under the Gold Plan, subject to a 36-month waiting period and other conditions |
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?
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
Most Popular
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.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Joy vs Optima Secure
Joy vs Super Mediclaim
Joy vs Health Recharge
Joy vs Cancer Cover Activ Cancer Secure Plan
Joy vs Optima Secure Plus
Joy vs Women Care
Joy vs Aspire Diamond+
Joy vs Activate Booster Plan A
Joy vs Active Care Premier
Joy vs ProHealth Accumulate
Joy vs Health Super Saver Standard
Joy vs Supreme Shine
Joy vs Optima Secure Global Plus
Joy vs Health Cardiac Care Silver & Gold Plan
Joy vs myHealth Suraksha Gold
Joy vs LifeTime Health Global
Joy vs Active Fit Plus
Joy vs OneHealth Premium
Joy vs Activ Health Platinum Essential
Joy vs Medicare Plus
Joy vs Medicare Senior
Joy vs Enhance Super Top-up Two
Joy vs Medicare Protect
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 Special Care Gold
Joy vs Activ One Max
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 Aspire Platinum+
Joy vs Plus Complete
Joy vs Reassure 2.0 Platinum+
Joy vs Elder Care
Joy vs Reassure 3.0 Elite
Joy vs EquiCover
Joy vs Young Star Gold
Joy vs Enhance Super Top-up One
Joy vs Joy Tomorrow
Joy vs Activ One VIP+
Joy vs Reassure 3.0 Select
Joy vs Red Carpet Senior Citizens
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 Assure
Joy vs Health Premia Gold
Joy vs Health Premia Platinum
Joy vs Cancer Care Platinum
Joy vs Optima Lite
Joy vs ProHealth Prime Protect
Joy vs Comprehensive
Joy vs HeartBeat Enhanced
Joy vs Reassure
Joy vs Supreme Senior Premium
Joy vs Health Recharge Super Top Up Plan
Joy vs Reassure 3.0
Joy vs myHealth Suraksha Platinum
Joy vs Supreme Value for Money
Joy vs Supreme Senior Super
Joy vs Supreme Enhance
Joy vs Reassure 2.0 Gold
Joy vs Medicare
Joy vs Ultimate (Direct)
Joy vs Young Star
Joy vs Sarvah Param
Joy vs Optima Insurance
Joy vs Smart Super Health Assure
Joy vs Reassure 3.0 Black
Joy vs Health Guard Platinum
Joy vs Health Guard Gold
Joy vs Elevate (Direct)
Joy vs Extra Care Plus Super Top-up
Joy vs Health Care Supreme Smart
Joy vs Smart Health Pro
Joy vs Medi Classic Gold
Joy vs Optima Super Secure
Joy vs Special Care
Joy vs Medicare LITE
Joy vs Health Shield 360
Joy vs SecureHealth
Joy vs Supreme (Direct)
Joy vs Plus
Joy vs Mediclaim Insurance Policy
Joy vs Medicare Select
Joy vs Health Gain
Joy vs myHealth Koti Suraksha
Joy vs Senior
Joy vs myHealth Suraksha Silver
Joy vs Cardiac Care Platinum
Joy vs Royal Sundaram Lifeline Elite
Joy vs Super Surplus Gold
Joy vs Supreme Enhance One
Joy vs Supreme Enhance Two
Joy vs HeartBeat Platinum
Joy vs HeartBeat Gold
Joy vs Health SuperCharge
Joy vs Aspire Titanium+
Joy vs iHealth Plus
Joy vs ProHealth Prime Advantage
Joy vs Active Fit Preferred
Joy vs Reassure 3.0 Classic
Joy vs Senior Health Advantage
Joy vs Health Wallet
Joy vs Elevate
Joy vs Heart
Joy vs LifeTime Health
Joy vs Reassure 2.0 Titanium+
Joy vs ProHealth Prime Active
Joy vs ProHealth Prime Senior Elite
Joy vs Advanced Top Up
Joy vs Multiplier Health
Joy vs Diabetes Safe Plan A
Joy vs Reassure 2.0 Bronze+
Joy vs Enhance Super Top-up
Joy vs Young Star Silver
Joy vs Star Women Care Policy
Joy vs Supreme Senior Health AdvantEdge
Joy vs Family Plus
Joy vs Criti Shield Plus
Joy vs Health Care Supreme Ultimo
Joy vs Health Shield 360 Retail
Joy vs Super Star
Joy vs Supreme Super Saver
Joy vs Senior First Platinum
Joy vs Optima Secure Global
Joy vs NextGen
Joy vs Health Insurance Platinum
Joy vs Energy Silver With Copay
Young Star vs Optima Secure
Young Star vs Super Mediclaim
Young Star vs Health Recharge
Young Star vs Cancer Cover Activ Cancer Secure Plan
Young Star vs Optima Secure Plus
Young Star vs Women Care
Young Star vs Aspire Diamond+
Young Star vs Activate Booster Plan A
Young Star vs Active Care Premier
Young Star vs ProHealth Accumulate
Young Star vs Health Super Saver Standard
Young Star vs Supreme Shine
Young Star vs Optima Secure Global Plus
Young Star vs Health Cardiac Care Silver & Gold Plan
Young Star vs myHealth Suraksha Gold
Young Star vs LifeTime Health Global
Young Star vs Active Fit Plus
Young Star vs OneHealth Premium
Young Star vs Activ Health Platinum Essential
Young Star vs Medicare Plus
Young Star vs Medicare Senior
Young Star vs Enhance Super Top-up Two
Young Star vs Medicare Protect
Young Star vs Activ One SAVR
Young Star vs Active Assure Diamond
Young Star vs Activ One VIP
Young Star vs Health Pulse Classic
Young Star vs Advantage
Young Star vs Special Care Gold
Young Star vs Activ One Max
Young Star vs Classic
Young Star vs Activ One Vytl
Young Star vs Supreme
Young Star vs Freedom
Young Star vs Sarvah Pratham
Young Star vs Joy Today
Young Star vs Medi Classic
Young Star vs Activate Booster Plan B
Young Star vs Aspire Gold+
Young Star vs Aspire Platinum+
Young Star vs Plus Complete
Young Star vs Reassure 2.0 Platinum+
Young Star vs Elder Care
Young Star vs Reassure 3.0 Elite
Young Star vs EquiCover
Young Star vs Young Star Gold
Young Star vs Enhance Super Top-up One
Young Star vs Joy Tomorrow
Young Star vs Activ One VIP+
Young Star vs Reassure 3.0 Select
Young Star vs Red Carpet Senior Citizens
Young Star vs Medicare Premier
Young Star vs Family Health Optima
Young Star vs Health Companion Variant 2022
Young Star vs Health Companion Variant 3
Young Star vs Plus Youth
Young Star vs Assure
Young Star vs Health Premia Gold
Young Star vs Health Premia Platinum
Young Star vs Cancer Care Platinum
Young Star vs Optima Lite
Young Star vs ProHealth Prime Protect
Young Star vs Comprehensive
Young Star vs HeartBeat Enhanced
Young Star vs Reassure
Young Star vs Supreme Senior Premium
Young Star vs Health Recharge Super Top Up Plan
Young Star vs Reassure 3.0
Young Star vs myHealth Suraksha Platinum
Young Star vs Supreme Value for Money
Young Star vs Supreme Senior Super
Young Star vs Supreme Enhance
Young Star vs Reassure 2.0 Gold
Young Star vs Medicare
Young Star vs Ultimate (Direct)
Young Star vs Sarvah Param
Young Star vs Optima Insurance
Young Star vs Smart Super Health Assure
Young Star vs Reassure 3.0 Black
Young Star vs Health Guard Platinum
Young Star vs Health Guard Gold
Young Star vs Elevate (Direct)
Young Star vs Extra Care Plus Super Top-up
Young Star vs Health Care Supreme Smart
Young Star vs Smart Health Pro
Young Star vs Medi Classic Gold
Young Star vs Optima Super Secure
Young Star vs Special Care
Young Star vs Medicare LITE
Young Star vs Health Shield 360
Young Star vs SecureHealth
Young Star vs Supreme (Direct)
Young Star vs Plus
Young Star vs Mediclaim Insurance Policy
Young Star vs Medicare Select
Young Star vs Health Gain
Young Star vs myHealth Koti Suraksha
Young Star vs Senior
Young Star vs myHealth Suraksha Silver
Young Star vs Cardiac Care Platinum
Young Star vs Royal Sundaram Lifeline Elite
Young Star vs Super Surplus Gold
Young Star vs Supreme Enhance One
Young Star vs Supreme Enhance Two
Young Star vs HeartBeat Platinum
Young Star vs HeartBeat Gold
Young Star vs Health SuperCharge
Young Star vs Aspire Titanium+
Young Star vs iHealth Plus
Young Star vs ProHealth Prime Advantage
Young Star vs Active Fit Preferred
Young Star vs Reassure 3.0 Classic
Young Star vs Senior Health Advantage
Young Star vs Health Wallet
Young Star vs Elevate
Young Star vs Heart
Young Star vs LifeTime Health
Young Star vs Reassure 2.0 Titanium+
Young Star vs ProHealth Prime Active
Young Star vs ProHealth Prime Senior Elite
Young Star vs Advanced Top Up
Young Star vs Multiplier Health
Young Star vs Diabetes Safe Plan A
Young Star vs Reassure 2.0 Bronze+
Young Star vs Enhance Super Top-up
Young Star vs Young Star Silver
Young Star vs Star Women Care Policy
Young Star vs Joy
Young Star vs Supreme Senior Health AdvantEdge
Young Star vs Family Plus
Young Star vs Criti Shield Plus
Young Star vs Health Care Supreme Ultimo
Young Star vs Health Shield 360 Retail
Young Star vs Super Star
Young Star vs Supreme Super Saver
Young Star vs Senior First Platinum
Young Star vs Optima Secure Global
Young Star vs NextGen
Young Star vs Health Insurance Platinum
Young Star vs Energy Silver With Copay
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.






.png)

