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Joy Tomorrow Floater
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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
Room Rent Limit Covered
ICU Daily Rent Limit Covered
Pre-Hospitalization Expenses Up to 30 days
Post Hospitalization Expenses Up to 60 days
Minimum Hospitalization Period 24 hours
Day Care Procedure Coverage Covered
Pre-Existing Disease / Illness coverage After 48 months of continuos coverage
Waiting Period for New Policy 30 days for any illness except accident
Co-Payment 20%
Medical Screening For insured person above 46 years of age
Ambulance Expenses Up to Rs 1000/ claim
Non-Allopathic Treatments Not covered
New Born Baby Cover Covered
Nursing Allowance Covered
No Claim Bonus 100% after no claim during the policy tenure ofthree years