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Insurance Plans Comparison

ICICI Lombard Smart Super Health Assure vs Care Supreme Senior Super

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 Super

Senior citizen health insurance with automatic recharge and cumulative bonus benefits.

What Makes It Special:

Care Supreme Senior Super is designed for senior citizens aged 61 years and above, with individual and family floater options and multiple sum insured choices. It covers eligible hospitalisation, daycare, AYUSH treatment and specified pre- and post-hospitalisation expenses, along with unlimited automatic recharge and cumulative bonus benefits. The plan has...

Best For:

  • Customers who want access to optional wellness, health check-up or additional care benefits, subject to applicable terms.

  • Families looking to cover eligible senior members through individual or family floater options.

  • Buyers seeking cumulative bonus growth of up to 100% of the sum insured.

  • Older adults looking for coverage with unlimited automatic recharge for multiple hospitalisation claims.

  • Senior citizens aged 61 years and above seeking health insurance with lifelong adult renewability.

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 Super

  • Optional benefits: Check the additional cost, eligibility and conditions for wellness, air ambulance, annual health check-ups and add-on benefits.

  • Treatment sub-limits: Compare the limits for cataract, knee replacement and other specified treatments with your anticipated coverage needs.

  • Room eligibility: Review the most economical single private AC room restriction and the terms of any optional room-rent modification.

  • Waiting periods: Check the 48-month PED waiting period and 24-month specified ailment waiting period against your medical history.

  • Co-payment: Account for the standard 20% co-payment when estimating potential out-of-pocket expenses.

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 Super
Supreme Senior Super

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 Super

Most economical single private AC 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 Super

Information Unavailable

ICU Charges

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Super

No limit specified.

Co-payment

Smart Super Health Assure

Not mentioned

VS

Supreme Senior Super

20% applies to all claims under the stated standard configuration; an optional co-payment benefit is also referenced.

Disease-wise sublimits

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Super

Applicable to specified treatments. Limits vary by sum insured and apply per policy year, including pre- and post-hospitalisation expenses.

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 Super

Information Unavailable

Cashless Healthcare Providers

Smart Super Health Assure

6,500 network hospitals

VS

Supreme Senior Super

11000+

Restoration Benefit

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Super

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

Daycare Treatment

Smart Super Health Assure

Not Applicable

VS

Supreme Senior Super

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

Cumulative Bonus

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Super

50% of the sum insured on renewal, capped at 100% of the sum insured. Not affected by claims.

AYUSH Treatment

Smart Super Health Assure

Not Mentioned

VS

Supreme Senior Super

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

Consumable Cover

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Super

Not specified.

Initial Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Super

30 days, except accidental hospitalisation.

Specific Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Super

24 months for named ailments.

PED Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Super

48 months

Modern Treatment

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Super

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

Annual Health Checkup

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Super

Optional benefit; once a year for all insured members.

Pre-Hospitalisation

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Super

60 days.

Post-Hospitalisation

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Super

180 days.

Outpatient Department Cover (OPD Expense)

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Super

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

Deductible Option

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Super

Not specified.

Coverage Options

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Super

₹7 lakh, ₹10 lakh, ₹15 lakh and ₹25 lakh listed in the main plan-benefits table.

Claim Settlement Ratio

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Super

99.98% FY 2024-25

Maternity Cover

Smart Super Health Assure

Information Unavailable

VS

Supreme Senior Super

Not specified.

Insurance Plans Comparison

Still Confused? Get Expert Advice

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Why Choose Our Expert Consultation?

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Free Expert Consultation

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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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