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Insurance Plans Comparison

ICICI Lombard Smart Super Health Assure vs Care Supreme Senior Premium

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 Premium

Senior-focused health insurance with unlimited automatic recharge and cumulative bonus benefits.

What Makes It Special:

Care Supreme Senior Premium is designed for senior citizens aged 61 years and above, including customers managing multiple health conditions such as diabetes, hypertension or high BMI, subject to underwriting and eligibility requirements. It offers hospitalisation coverage up to the selected sum insured, unlimited automatic recharge for subsequent claims, cumulative...

Best For:

  • Buyers who value cumulative bonus growth and the possibility of renewal premium discounts through the wellness benefit.

  • Families seeking senior-focused coverage with individual or family floater options, subject to eligible relationships and member limits.

  • Customers looking for additional coverage through unlimited automatic recharge for multiple hospitalisation claims.

  • Older adults managing multiple co-morbidities, such as diabetes or hypertension, subject to underwriting and eligibility.

  • Senior citizens aged 61 years and above seeking health insurance with no upper adult entry-age limit.

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 Premium

  • Check the availability, cost and terms of optional benefits, including air ambulance, wellness, annual health check-ups and relevant add-ons. Renewal discounts depend on meeting the prescribed Healthy Days criteria.

  • Senior Premium has no specified treatment sub-limits in the plan comparison, unlike Senior Super. Confirm the final policy terms and any other applicable limits or exclusions.

  • The standard room category is the most economical single private AC room. Check whether the optional Room Rent Modification benefit is selected and what room eligibility it provides.

  • Pre-existing medical condition: The stated PED waiting period is 48 months. Disclose medical history accurately and confirm underwriting acceptance, exclusions and any applicable terms.

  • Co-payment on claims:tThe standard configuration has a 20% co-payment on all claims. Review the applicable option and its effect on out-of-pocket expenses before purchasing.

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 Premium
Supreme Senior Premium

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 Premium

Most economical single private air-conditioned room; optional Room Rent Modification may change eligibility.

Advanced Treatments

Smart Super Health Assure

Major Organ Transplant (Recipient)

Coronary Artery Bypass Graft Surgery

Stroke

Cancer

Heart Attack

Kidney Failure

VS

Supreme Senior Premium

Information Unavailable

ICU Charges

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Premium

No limit specified for ICU charges.

Co-payment

Smart Super Health Assure

Not mentioned

VS

Supreme Senior Premium

20% co-payment applies to all claims under the standard configuration; optional benefit may affect this.

Disease-wise sublimits

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Premium

Not applicable under the Senior Premium option, as specified for the comparison with Senior Super.

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 Premium

Information Unavailable

Cashless Healthcare Providers

Smart Super Health Assure

6,500 network hospitals

VS

Supreme Senior Premium

11000+ network hospitals

Restoration Benefit

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Premium

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

Daycare Treatment

Smart Super Health Assure

Not Applicable

VS

Supreme Senior Premium

Covered up to the sum insured, subject to policy terms.

Cumulative Bonus

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Premium

50% of sum insured added on renewal, up to 100% of sum insured. Not affected by claims.

AYUSH Treatment

Smart Super Health Assure

Not Mentioned

VS

Supreme Senior Premium

Covered up to the sum insured, subject to policy terms.

Consumable Cover

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Premium

Not specified.

Initial Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Premium

30 days; accidental hospitalisation is exempt.

Specific Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Premium

24 months for named ailments.

PED Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Premium

48 months.

Modern Treatment

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Premium

Covered up to the sum insured, subject to policy terms.

Annual Health Checkup

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Premium

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

Pre-Hospitalisation

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Premium

60 days.

Post-Hospitalisation

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Premium

180 days.

Outpatient Department Cover (OPD Expense)

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Premium

Available through optional Care OPD add-on, subject to limits and co-payments.

Deductible Option

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Premium

Not specified.

Coverage Options

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Premium

₹7 lakh, ₹10 lakh, ₹15 lakh and ₹25 lakh sum insured options.

Claim Settlement Ratio

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Premium

99.98% FY 2024-25

Maternity Cover

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Premium

Not available.

Insurance Plans Comparison

Still Confused? Get Expert Advice

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

Why Choose Our Expert Consultation?

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Free Expert Consultation

Free Expert Consultation

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.

1-5 of 10 FAQs

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