Insurance Plans Comparison
Care Plus vs ICICI Lombard Smart Super Health
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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Comprehensive Health Cover with Unlimited Recharge and Wellness Benefits
What Makes It Special:
Care Plus is a comprehensive health insurance plan from Care Health Insurance that combines hospitalisation cover with unlimited automatic recharge, inflation-linked sum insured increases, and a No Claim Bonus Protect benefit. It also offers annual health check-ups, OPD benefits and optional maternity and newborn cover. The available room category, co-payment...
Best For:
Eligible families considering optional maternity and newborn cover.
Customers interested in OPD and wellness-related benefits.
People seeking additional protection against rising medical costs.
Customers who value unlimited automatic recharge for repeated claims.
Individuals and families looking for comprehensive hospitalisation cover.
VS
Smart Super Health
Restore up to 100% of the sum insured once in a policy year for a new illness after the cover is exhausted, with 60 days of pre-hospitalisation, 90 days after discharge and inpatient AYUSH treatment.
What Makes It Special:
Smart Super Health is an ICICI Lombard floater offered in Value, Classic and Uber variants, with sum insured options from ₹5 lakh to ₹1 crore. It covers in-patient hospitalisation, daycare, AYUSH and domiciliary treatment, with optional add-ons for maternity, critical illness and hospital cash.
Best For:
Buyers who may add maternity, critical illness or hospital cash cover later
Buyers who want restoration of the sum insured for a new illness in the same year
Buyers who need air ambulance cover within India, on the Uber variant
Buyers who want domiciliary treatment cover
Families who want a hospitalisation floater with a choice of three variants
Insurance Plans Comparison
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Quick Decision Guide
Check optional maternity cover, OPD limits, deductible choices and Smart Select co-payment conditions.
Compare the No Claim Bonus Protect and unlimited recharge conditions.
Review the 30-day initial, 24-month specific illness and 36-month PED waiting periods.
Check room eligibility carefully, particularly for sum insured below ₹5 lakh.
Choose a sum insured that reflects your family's potential hospitalisation expenses.
Confirm the variant’s sum insured and feature list on the current policy schedule, since the wording reviewed is from around 2018 to 2019.
Confirm the co-payment position with ICICI Lombard on 1800 2666 before buying, since a third-party source mentions 20% in some cases.
Maternity needs a 3-year term and a 9-month wait, so decide early if you plan a pregnancy.
The 48-month PED waiting period is long, so buy early if you have existing conditions.
Choose the variant by need: Value is the lowest-cost option, and Uber adds air ambulance, dental and the highest sum insured.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Plus Health Insurance Plan VS VS |
![]() Smart Super Health Health Insurance Plan |
| Room Rent |
|---|
Plus
|
VS VS |
Smart Super Health
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| Advanced Treatments |
|---|
Plus
|
VS VS |
Smart Super Health
|
| ICU Charges |
|---|
Plus For sum insured below ₹5 lakh, ICU charges are limited to 2% of the sum insured per day under the referenced brochure. For sum insured of ₹5 lakh or more, ICU charges have no separate monetary limit, subject to policy terms. |
VS VS |
Smart Super Health Covered within the sum insured under in-patient treatment. ICU charges are part of the room and ICU charges covered under in-patient treatment. |
| Co-payment |
|---|
Plus Mandatory copayment limit of 20% for individuals above the age of 61. |
VS VS |
Smart Super Health A co-payment applies in certain cases. If treatment is availed in a higher-tier city while paying a lower-tier premium, a 20% co-payment applies. |
| Disease-wise sublimits |
|---|
Plus Information Unavailable |
VS VS |
Smart Super Health No disease sublimit schedule is listed in the wording. Procedures under the 2-year waiting period apply. Convalescence and outpatient emergency have separate per-policy sub-limits. |
| Cashless Healthcare Providers |
|---|
Plus 24800 + network hospitals |
VS VS |
Smart Super Health The policy provides access to over 10,000+ network hospitals, ensuring cashless treatment at recognized healthcare facilities. |
| Restoration Benefit |
|---|
Plus Unlimited automatic recharge of the sum insured is a key advertised benefit. The brochure states that it can be used for the same insured person and the same illness. Actual utilisation remains subject to the applicable recharge rules and policy conditions. |
VS VS |
Smart Super Health Restores up to 100% of the sum insured once per policy year, when the sum insured and bonus are exhausted. Restoration applies only to a new illness, not one already claimed in that year. Unused restoration does not carry forward. It does not apply to add-ons. |
| Daycare Treatment |
|---|
Plus 3 - 7 lacs sum insured for up to 24 hour hospitalization. |
VS VS |
Smart Super Health Covers all day care procedures requiring hospitalization of less than 24 hours. Treatments such as cataract surgery, chemotherapy, and minor surgical procedures are included. |
| Cumulative Bonus |
|---|
Plus The No Claim Bonus Protect benefit increases the sum insured by 50% for each claim-free policy year, up to 200% of the base sum insured. The accrued bonus can reduce after a claim, subject to the policy's claim thresholds and bonus rules. |
VS VS |
Smart Super Health Under age 45 at first policy inception: 50% of the expiring sum insured per year, up to 100% of the current sum insured. Age 45 to 65: 20% per year, up to 100%. A claim reduces the bonus proportionately in the following year (Appendix III). |
| AYUSH Treatment |
|---|
Plus 3 - 7 lacs sum insured for any non allopathic treatment covered by AYUSH. |
VS VS |
Smart Super Health Alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) are covered. |
| Consumable Cover |
|---|
Plus Standard hospitalisation coverage should not be interpreted as coverage for every non-medical consumable. Consumables are covered only where included under the applicable policy terms or an eligible add-on. |
VS VS |
Smart Super Health Non-medical items such as toiletries, gloves and cotton are not payable. Prescribed medicines and certain items are payable (Appendix IV). |
| Initial Waiting Period |
|---|
Plus 30 days for illnesses from policy commencement. This waiting period does not apply to eligible accident-related treatment, subject to the policy terms. |
VS VS |
Smart Super Health 30 days from inception, except for accidents |
| Specific Waiting Period |
|---|
Plus 24 months for specified illnesses and procedures listed in the policy. The applicable exclusions and conditions continue to apply. |
VS VS |
Smart Super Health 2 years for listed illnesses and procedures (clause 6.1.2) |
| PED Waiting Period |
|---|
Plus 36 months for pre-existing diseases under the referenced policy version, subject to accurate disclosure, underwriting and applicable policy terms. |
VS VS |
Smart Super Health 48 months (clause 6.1.3) |
| Modern Treatment |
|---|
Plus Covers eligible advanced technology treatment methods listed under the policy, subject to medical necessity, admissibility conditions and the applicable sum insured. |
VS VS |
Smart Super Health Robotic surgery is excluded (exclusion 36). Other modern treatments are not listed in the wording. Confirm with ICICI Lombard on 1800 2666. |
| Annual Health Checkup |
|---|
Plus Available once in each policy year for each eligible insured member, subject to the insurer's prescribed arrangements and conditions. |
VS VS |
Smart Super Health Available at renewal for insured persons aged 18 and over, through the insurer’s empanelled providers. Basic, extended or comprehensive, depending on variant (Appendix II). |
| Pre-Hospitalisation |
|---|
Plus Covers eligible medical expenses for up to 60 days before hospitalisation, subject to the related hospitalisation claim being admissible. |
VS VS |
Smart Super Health Up to 60 days before admission, within the sum insured |
| Post-Hospitalisation |
|---|
Plus |
VS VS |
Smart Super Health Up to 90 days after discharge, within the sum insured |
| Outpatient Department Cover (OPD Expense) |
|---|
Plus OPD consultation and specified dental and ophthalmic treatment benefits are available within prescribed limits. The referenced brochure lists limits of ₹1,500 for sum insured of ₹5–7 lakh and ₹2,500 for sum insured of ₹10–25 lakh, with a maximum of ₹350 per consultation. Check the applicable variant terms for eligibility. |
VS VS |
Smart Super Health Up to 90 days after discharge, within the sum insured |
| Deductible Option |
|---|
Plus Deductible options are available as optional choices, including ₹1 lakh, ₹2 lakh, ₹3 lakh and ₹5 lakh under the referenced prospectus. Availability and applicable terms depend on the selected policy option. |
VS VS |
Smart Super Health No deductible option is listed in the wording. Hospital cash has a one-day deductible. |
| Coverage Options |
|---|
Plus Deductible options are available as optional choices, including ₹1 lakh, ₹2 lakh, ₹3 lakh and ₹5 lakh under the referenced prospectus. Availability and applicable terms depend on the selected policy option. |
VS VS |
Smart Super Health Value (₹5 lakh and ₹7.5 lakh), Classic (₹10 lakh to ₹20 lakh), Uber (₹20 lakh to ₹1 crore). Optional add-ons are hospital cash, maternity, critical illness and personal accident. |
| Claim Settlement Ratio |
|---|
Plus Care Health Insurance's insurer-level claim settlement ratio is reported as 96.74% for FY 2024–25 in a secondary source referencing IRDAI data. This is an insurer-level metric, not a guarantee of approval for an individual Care Plus claim. |
VS VS |
Smart Super Health FY 24-25: ~84% |
| Maternity Cover |
|---|
Plus Deductible options are available as optional choices, including ₹1 lakh, ₹2 lakh, ₹3 lakh and ₹5 lakh under the referenced prospectus. Availability and applicable terms depend on the selected policy option. |
VS VS |
Smart Super Health Optional add-on, available only on a 3-year floater term with a 9-month waiting period. Covers up to 2 deliveries or terminations in a lifetime, for insured persons aged 18 to 45. Maternity limits are ₹35,000 to ₹1,00,000 by variant, and newborn cover is ₹25,000 to ₹1,00,000 for the first 90 days. |
Insurance Plans Comparison
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