Joy Tomorow Individual
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A new age insurance product that comprehensively addresses your maternity and health needs, both today and tomorrow.


  • A perfect blend of hospitalisation and maternity insurance.
  • Only 9 months waiting period for maternity related insurance claims.
  • Newborn baby cover
  • Long term policy tenure of 3 years.
  • 100% increase in sum insured with No claim bonanza.
Title Description
Ambulance Expenses Up to Rs 1000/ claim
Co-Payment 20%
Day Care Procedure Coverage Covered
ICU Daily Rent Limit Covered
Medical Screening For insured person above 46 years of age
Minimum Hospitalization Period 24 hours
New Born Baby Cover Covered
No Claim Bonus 100% after no claim during the policy tenure ofthree years
Non-Allopathic Treatments Not covered
Nursing Allowance Covered
Post Hospitalization Expenses Up to 60 days
Pre-Existing Disease / Illness coverage After 48 months of continuos coverage
Pre-Hospitalization Expenses Up to 30 days
Room Rent Limit Covered
Waiting Period for New Policy 30 days for any illness except accident