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Insurance Plans Comparison

ICICI Lombard Smart Super Health Assure vs Care Supreme Senior Health AdvantEdge

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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ICICI Lombard

Smart Super Health Assure

Pay a lump sum on diagnosis of one of six specified critical illnesses, including cancer, heart attack, stroke, bypass surgery, kidney failure and a major organ transplant, or take instalments over 5 years.

What Makes It Special:

Smart Super Health is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.

Best For:

  • Not available
VS
Care

Supreme Senior Health AdvantEdge

Senior citizen health insurance with unlimited automatic recharge, cumulative bonus and optional wellness benefits.

What Makes It Special:

Care Supreme Senior is designed for senior citizens aged 61 years and above, with no upper age limit for adult entry. It offers hospitalisation coverage, day-care treatment, AYUSH treatment, domiciliary hospitalisation, organ donor expenses and unlimited automatic recharge. The product is available through two options—Care Supreme Senior Super and Care...

Best For:

  • Eligible customers who may benefit from optional wellness, health-checkup or OPD-related benefits.

  • Families looking for individual or family floater cover for eligible members.

  • Customers seeking additional coverage through unlimited automatic recharge for subsequent eligible claims.

  • Older adults who want cover for eligible hospitalisation and day-care procedures.

  • Senior citizens looking for health insurance with entry available from age 61.

Insurance Plans Comparison

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Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

ICICI Lombard Smart Super Health Assure

Not available

Care Supreme Senior Health AdvantEdge

  • Review optional benefits carefully: Confirm the availability, cost and terms of benefits such as wellness, Care OPD, annual health checkups and room-rent modification.

  • Review waiting periods: The initial waiting period is 30 days, the named-ailment waiting period is 24 months, and the PED waiting period is 48 months.

  • Check room eligibility: The stated room category is the most economical single private AC room unless an applicable room-rent modification benefit changes it.

  • Account for co-payment: The stated 20% co-payment means the insured pays a share of eligible claim expenses.

  • Compare the two plan options: Senior Super has sub-limits for specified treatments, whereas Senior Premium lists these sub-limits as not applicable.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Smart Super Health Assure
Smart Super Health Assure

Health Insurance Plan

VS
Supreme Senior Health AdvantEdge
Supreme Senior Health AdvantEdge

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Smart Super Health Assure

Normal: Not applicable — this is a critical illness benefit plan

ICU: Not applicable — this is a lump sum critical illness payout plan

VS

Supreme Senior Health AdvantEdge

Most economical single private AC room. An optional room-rent modification benefit is mentioned.

Advanced Treatments

Smart Super Health Assure

Major Organ Transplant (Recipient)

Coronary Artery Bypass Graft Surgery

Stroke

Cancer

Heart Attack

Kidney Failure

VS

Supreme Senior Health AdvantEdge

Information Unavailable

ICU Charges

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Health AdvantEdge

No limit specified in the plan benefit, subject to policy terms.

Co-payment

Smart Super Health Assure

Not mentioned

VS

Supreme Senior Health AdvantEdge

20% co-payment applies to all claims under the described plan options.

Disease-wise sublimits

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Health AdvantEdge

Apply to specified treatments under Senior Super; listed as not applicable under Senior Premium.

Waiting Period

Smart Super Health Assure

Initial Waiting Period: 6 months

Specific Disease/Procedure Waiting Period: Critical illness diagnosis between 6 months to 1 year receives reduced payout

VS

Supreme Senior Health AdvantEdge

Information Unavailable

Cashless Healthcare Providers

Smart Super Health Assure

6,500 network hospitals

VS

Supreme Senior Health AdvantEdge

11000+ NETWORK HOSPITALS.

Restoration Benefit

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Health AdvantEdge

Unlimited automatic recharge for eligible subsequent claims, including the same or different illnesses, subject to policy terms.

Daycare Treatment

Smart Super Health Assure

Not Applicable

VS

Supreme Senior Health AdvantEdge

Covered up to the sum insured.

Cumulative Bonus

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Health AdvantEdge

50% of the sum insured added at renewal, up to 100%; accrued bonus is not reduced due to claims.

AYUSH Treatment

Smart Super Health Assure

Not Mentioned

VS

Supreme Senior Health AdvantEdge

Covered up to the sum insured.

Consumable Cover

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Health AdvantEdge

Not specified as a standard benefit in the supplied document.

Initial Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Health AdvantEdge

30 days, except accident-related hospitalisation.

Specific Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Health AdvantEdge

24 months for named ailments.

PED Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Health AdvantEdge

48 months

Modern Treatment

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Health AdvantEdge

Eligible advanced technology treatments covered up to the sum insured.

Annual Health Checkup

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Health AdvantEdge

Available as an optional benefit; once a year for all insured members.

Pre-Hospitalisation

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Health AdvantEdge

Covered for 60 days.

Post-Hospitalisation

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Health AdvantEdge

Covered for 180 days.

Outpatient Department Cover (OPD Expense)

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Health AdvantEdge

Optional Care OPD benefit; limits and consultation co-payments apply.

Deductible Option

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Health AdvantEdge

Not specified in the supplied document.

Coverage Options

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Health AdvantEdge

Individual and family floater; sum insured options of ₹7 lakh, ₹10 lakh, ₹15 lakh and ₹25 lakh.

Claim Settlement Ratio

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Health AdvantEdge

99.95% FY 2024-25

Maternity Cover

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Health AdvantEdge

Not specified in the supplied document.

Insurance Plans Comparison

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Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

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