• 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 less than Rs. 25 lacs, till 50 years of age .
• Cashless & Hassle-free direct claim settlement with us at 4900+ 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 4900+ 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 4900+ Hospitals
• Avail select medical treatment anywhere in the world with Enhance anywhere feature
• No pre-policy medical check-up up to Rs.40 lacs Sum Insured till 50 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)

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.

• 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