Overview
The Care Joy Tomorrow plan is a maternity-focused health insurance policy designed to provide financial security for expectant mothers and newborns. It offers sum insured options of up to ₹5 lakhs, with maternity coverage capped at ₹35,000 and ₹50,000, respectively. The plan includes essential benefits such as inpatient care (up to SI), pre-hospitalization expenses up to 30 days, post-hospitalization expenses up to 60 days, daycare treatments (up to SI), and ambulance cover up to ₹1,000 per claim.
Experts Review
Written by Nikhil Nair
Senior Writer
The Care Joy Tomorrow plan is a more affordable alternative to the Care Joy Today variant. It is suitable for families planning parenthood who are willing to wait longer for maternity benefits. It covers pre- and post-natal expenses, newborn baby care from birth to 90 days, and offers a comprehensive range of daycare treatments. The plan also provides full coverage for room rent up to a single private AC room.
However, the plan has several limitations. It does not offer restoration benefits, domiciliary care, or free health checkups, which are common in more comprehensive health insurance plans. The waiting period for pre-existing diseases is three years.
While the Today variant offers a shorter waiting period of 9 months, it requires a 3-year premium payment commitment, which can be more expensive upfront. The Tomorrow variant, with its longer waiting period (2 years), may be more appealing to those seeking affordability without the need for immediate maternity coverage.
Pros
Insurer has a solid track record with great claim and service metrics.
Cons
Not very feature-rich.
Premiums are relatively high.
No Restoration Benefit, which is a notable gap.
No Bonus for being healthy and not claiming insurance, which could be a drawback for some.
Your insurer doesn’t provide free health check-ups, which is a key feature.
Care
Key Insights
Founded
2012
Care was established 13 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
90% claims settled in 30 Days
Care settles 90% of all claims it receives. This is reasonable performance, though there is room for improvement compared to top insurers.
Network Hospitals
11,400+
Care has a strong network with over 11,400 hospitals, ensuring wide accessibility and convenience for policyholders.
Complaints
36 complaints per 10,000 claims registered
Care has a relatively high volume of complaints, which may point to ongoing issues in customer service or claim handling.
Features
All
Great
Good
Co-payment
If you bought this policy after you turned 61, you have to pay 20% of the bill every time you make a claim. Otherwise, you are good to go. The insurer will pay all costs up to the sum insured.
Room Rent
You can share a room or you could have a single room for yourself. But if you are looking for anything slightly fancy, be ready to foot a part of the bill.
Disease sub-limit
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Pre existing diseases waiting
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
Pre/Post hospitalization
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 30 days before you are hospitalized and 60 days after discharge. This includes the cost of medication by the way.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
Organ Donor
STD other than HIV
Mental retardness
Expenses related to any kind of RMO charges, Service charge, Surcharge, night charges levied by the hospital under whatever head.
Remicade, Avastin or similar injectable treatment which is undergone other than as a part of In-Patient Care Hospitalisation or Day Care Hospitalisation is excluded.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy for 2 years.
Arthritis (if non-infective), including:
Osteoarthritis
Osteoporosis
Gout
Rheumatism
Waiting Period
30 days Initial waiting period
2 years Specific illness waiting period
3 years Pre-existing disease waiting period
Ditto's Take
◦ Standard ◦
After a close look at the waiting periods, it’s safe to say they are fairly standard.
What's missing in the policy
No Restoration Benefit.
No Bonus for being healthy and not claiming insurance.
Your insurer doesn’t provide free health check-ups.
No coverage if you are forced to hospitalize at home.
Doctor consultations are not covered.
Customer Reviews
U
Usha D.
More affordable than Joy Today if you can wait for maternity benefits. Good for long-term planning.
V
Varsha E.
Covers pre- and post-natal expenses, and newborn care from birth to 90 days. Comprehensive for new families.
Y
Yash F.
Full coverage for room rent up to a single private AC room is good.
G
Gita M.
Lacks AYUSH treatment coverage and no free health checkups. Very basic in that sense.
E
Ekta K.
No restoration benefits, which is a big miss for any family plan.
C
Chetan I.
Decent option for those who want maternity cover but are not in a rush.
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Frequently Asked Questions
Does Joy Tomorrow have waiting periods?
- 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
- Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
- Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
- Maternity and Newborn Waiting Period: There’s a 2 years waiting period before you can make claims related to pregnancy and childbirth.
Does Joy Tomorrow have room rent restrictions?
Does Joy Tomorrow offer a restoration benefit?
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