• Region specific plans hence low cost and High features
• No upper age limit. No per ailment limit
• Automatic doubling of sum insured in case of hospitalization due to accident without any extra costs
• Pre Existing disease & OPD coverage
• Pay per day rates instead of slabs, hence low cost
• Cashless claim settlement
• Upgradation to business class

• Comprehensive & extremely low cost travel insurance plans for Students going to international universities with benefits like Personal accident, travel inconvenience benefits
• Loads of optional covers to customize your plan depending on University requirements
• Need based coverage tenure- 1 month to 3 years
• Flexible to choose your geographical scope of coverage
• Sponsor Protection
• Cashless claims settlement

• Flexibility to select from a Single-Trip Policy or an Annual Multi –Trip Policy.
• Wide range of product construct options available.
• Coverage for Adventure Sports Injury.
• Coverage for both IPD & OPD coverage.
• Dedicated Travel Manager/Admin for efficient service delivery.
• Coverage for Diagnostic tests such as Radiotherapy, Chemotherapy, Cancer Screening & Mammography.
• Non-medical benefits covered such as – Loss of Passport & Check-in Baggage and delayed trip.

• Wide range of Sum Insured- up to Rs. 6 cr with life-long renewability
• Get Automatic recharge of sum insured if claim amount exhausts your coverage, at no extra cost
• Upto 150% increase in sum insured with No Claim Bonus- Super
• Annual health check-up for insured members- regardless of claims history
• No pre policy medical check up for sum insured till 40 lacs and age upto 60 years of age.
• Cashless & Hassle-free direct claim settlement with us at 8350+ Hospitals

• No pre-policy medical check-up, for all ages & sum insured with guaranteed life-long renewability
• Only 2 year waiting period in case of Pre-existing diseases
• Get Automatic recharge of sum insured if claim amount exhausts your coverage, at no extra cost
• Annual health check-up for insured members- regardless of claims history
• Cashless & Hassle-free direct claim settlement with us at 8350+ Hospitals

• Flexible choice of deductible with wide range of Sum Insured options- upto Rs. 60 lacs (Deductible + Sum Insured)
• Annual health check-up for insured members- regardless of claims history
• Cashless & Hassle-free direct claim settlement with us at 8350+ Hospitals
• Avail select medical treatment anywhere in the world with Enhance anywhere feature
• No pre policy medical check up for sum insured till 40 lacs and age upto 60 years of age.

Along with Maternity & Newborn coverage, Joy offers you a number of thoughtfully designed features & Services that give you several advantages at most critical of time. Two plans available- Joy Today and Joy tomorrow.

• Only 9 month & 24 month waiting period for maternity related insurance claims (including Pre Natal & Post Natal expenses) in line with your need through plans- Joy Today & Joy Tomorrow respectively
• New born baby cover & New born birth defects
• Health Insurance comprising of Hospitalization expenses- In patient & Day Care treatments, Pre & Post hospitalization expenses, Ambulance cover
• Long-term policy tenure of 3 years available
• 100% increase in Sum Insured with No Claim Bonanza (optional cover)

• No upper limit on entry age
• Enrols for who have undergone heart surgery in last 7 years*
• Only 2 years wait period for pre-existing ailments
• No pre-policy medical check-up
• 540+ Day Care Treatments
• Covers Alternative Treatments**

* At the discretion of Underwriting. **Up to 25% of Sum Insured.

• Individual and floater cover available
• No Pre-policy medical check-up*
• Annual Health check-up for all insured persons
• Automatic recharge of Sum Insured
• Save Tax on a premium of up to 75,000 u/s 80D of IT Act, 1961^
• Up to 150% increase in Sum Insured with NCB and NCB Super**

*At the discretion of underwriter.

^Tax Benefits under the policy will be as per the prevailing Income Tax laws and are subject to amendments from time to time.

For tax related queries, contact your independent tax advisor. As per section 80D of Income Tax Act, an Adult (aged between 18 & 60 years) can save tax on a premium of upto Rs. 25,000 and his/her senior citizen parent/s (aged 60 years & above) can save tax on a premium of upto Rs.50,000.

**For 5 consecutive claims free years by using No Claim Bonus & No Claim Bonus Super (Optional Cover ).

Incremental increase every year is applicable on base Sum Insured. If a claim is made in any particular year accrued NCB or NCB super will be reduced at same rate at which it is accrued.

In line with our objective of ensuring good health…hamesha! Our Comprehensive Health Insurance Plan – Group Care; helps safeguard the most important asset for you i.e. your employees / Customer, against financial risks arising out of a medical emergency.

• Coverage at every step with 30 Day Pre & 60 Day Post Hospitalization Cover.
• In-Patient Hospitalization covering Room rent, doctor’s surgery, ICU charges and much more.
• From a small stitch to a surgery – Day Care Treatments for all hospitalization less than 24 hours.
• Domestic Road Ambulance Cover in case of an emergency.
• Flexibility to select Sum Insured amount & product mix basis your requirement.
• Expenses towards Chemotherapy & Radiotherapy are also covered.

• Lifelong Renewability
• No Upper Age for Enrolment
• Chemotherapy & Radiotherapy Cover
• No limit on ICU charges for some Sum Insured Options
• Covers Pre & Post Hospitalization expenses

• Lifelong Renewability
• No Upper Age for Enrolment
• Organ Donor Cover & Radiotherapy Cover
• No limit on ICU charges for some Sum Insured Options
• Covers Pre & Post Hospitalization expenses
• Quick recovery counselling

• Lifelong Renewability
• No Upper Age for Enrolment
• Chemotherapy & Radiotherapy Cover
• No limit on ICU charges for some Sum Insured Options
• Covers Pre & Post Hospitalization expenses
• Quick recovery counselling
• Dialysis Cover

• Lifelong Renewability
• No Upper Age for Enrolment
• Organ Donor Cover & Radiotherapy Cover
• No limit on ICU charges for some Sum Insured Options
• Covers Pre & Post Hospitalization expenses
• Quick recovery counselling
• Dialysis Cover

• In addition to basic Coverage of Accidental Death, Permanent Total & Permanent Partial Disability, Reconstructive surgery, Major Diagnostic tests, Fractures, Burns, Disapperance, Ambulance cover also covered
• Your Child's education also covered
• Nursing care and Mobility cover to ease the road to recovery
• Hassle free claim settlement directly by us

• Coverage for Accidental Death
• Coverage for Permanent Partial & Total Disablement and Temporary Total Disablement
• Disappearance Cover
• Child Education Cover
• Hospital Cash Allowance
• Global Coverage along with additional advantage of Terrorism coverage