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Insurance Plans Comparison

Care Supreme Value for Money 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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Care

Supreme Value for Money

Affordable health insurance with hospitalisation cover, unlimited automatic recharge and a cumulative bonus that can double the base sum insured.

What Makes It Special:

Care Supreme is a health insurance plan from Care Health Insurance that combines hospitalisation coverage with unlimited automatic recharge and a cumulative bonus of up to 100% of the base sum insured. The Value for Money variant is designed around essential hospitalisation protection at a competitive premium, with important conditions...

Best For:

  • Buyers who prioritise hospitalisation coverage over standard maternity and routine OPD benefits.

  • Customers comfortable using designated Smart Select hospitals to manage co-payment exposure.

  • Buyers who want a cumulative bonus that can increase the base sum insured by up to 100%.

  • Customers who value unlimited automatic recharge for eligible repeat hospitalisations.

  • Individuals and families looking for health insurance with essential hospitalisation benefits.

VS
ICICI Lombard

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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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

  • Additional benefits: Compare optional waiting-period modifications, OPD coverage and non-payable expense protection where available.

  • Waiting periods: Consider the 30-day initial waiting period, 24-month specific illness waiting period and 36-month pre-existing disease waiting period.

  • Network hospitals: Check whether suitable Smart Select hospitals are accessible where you live and expect to seek treatment.

  • Room eligibility: Understand the permitted room category and the potential financial impact of choosing a higher category.

  • Sum insured: Choose cover based on your location, healthcare costs, family size and financial commitments.

  • 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

Supreme Value for Money
Supreme Value for Money

Health Insurance Plan

VS
Smart Super Health
Smart Super Health

Health Insurance Plan

Room Rent

Supreme Value for Money

Room eligibility is restricted under the Value for Money variant. The applicable room category and any associated claim deductions must be considered when choosing hospital accommodation.

VS

Smart Super Health

  1. Normal: Covered Up to Sum Insured
  2. ICU: Covered Up to Sum Insured
ICU Charges

Supreme Value for Money

Eligible ICU expenses are covered without a separate monetary sublimit, subject to the applicable room and policy conditions.

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.

Advanced Treatments

Supreme Value for Money

Information Unavailable

VS

Smart Super Health

  1. Robotic surgeries
  2. Stem cell therapy
  3. Deep brain stimulation
  4. Bronchial thermoplasty

     

  5. Intra-operative neuro monitoring (IONM)
Co-payment

Supreme Value for Money

A 20% co-payment applies to eligible treatment taken outside the designated Smart Select network under the Value for Money variant. The insured bears the applicable share of the admissible claim.

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

Supreme Value for Money

Eligible treatments are generally covered up to the sum insured, subject to policy terms, exclusions and any applicable room-related claim deductions.

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

Supreme Value for Money

The insurer's network includes thousands of hospitals across India. The available network count varies by date; check the current network directory for participating hospitals.

VS

Smart Super Health

The policy provides access to over 10,000+ network hospitals, ensuring cashless treatment at recognized healthcare facilities​.

Restoration Benefit

Supreme Value for Money

Unlimited automatic recharge reinstates the base sum insured multiple times during the policy year for eligible related and unrelated illnesses, subject to the applicable terms.

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.

Cumulative Bonus

Supreme Value for Money

The sum insured increases by 50% for each completed policy year, up to 100% of the base sum insured. The accumulated bonus is not reduced by claims.

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).

Daycare Treatment

Supreme Value for Money

Eligible daycare procedures requiring less than 24 hours of hospitalisation are covered up to the sum insured, subject to policy conditions.

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​.

Consumable Cover

Supreme Value for Money

Standard cover does not automatically include every non-payable hospital expense. Claim Shield may cover specified non-payable items when included under the applicable variant.

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).

AYUSH Treatment

Supreme Value for Money

Eligible inpatient and daycare AYUSH treatment is covered up to the sum insured, subject to policy conditions.

VS

Smart Super Health

Alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) are covered.

Initial Waiting Period

Supreme Value for Money

30 days for illnesses from policy inception. This waiting period does not apply to claims arising from accidents.

VS

Smart Super Health

30 days from inception, except for accidents

Specific Waiting Period

Supreme Value for Money

24 months for listed illnesses and procedures, subject to the applicable policy conditions.

VS

Smart Super Health

2 years for listed illnesses and procedures (clause 6.1.2)

PED Waiting Period

Supreme Value for Money

36 months for pre-existing diseases. An optional PED Waiting Period Modification benefit may reduce this to 1 or 2 years, where available and selected.

VS

Smart Super Health

48 months (clause 6.1.3)

Modern Treatment

Supreme Value for Money

Eligible advanced technology treatments are covered up to the sum insured, subject to the policy's treatment definitions, conditions and exclusions.

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

Supreme Value for Money

Annual health check-ups are available as an optional benefit under the broader Care Supreme product. Availability under Value for Money depends on the applicable variant.

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

Supreme Value for Money

Eligible medical expenses incurred up to 60 days before hospitalisation are covered, subject to policy conditions and the sum insured.

VS

Smart Super Health

Up to 60 days before admission, within the sum insured

Post-Hospitalisation

Supreme Value for Money

Eligible medical expenses are covered for up to 180 days after discharge, subject to policy conditions and the sum insured.

VS

Smart Super Health

Up to 90 days after discharge, within the sum insured

Outpatient Department Cover (OPD Expense)

Supreme Value for Money

Routine outpatient consultations are not part of the standard Value for Money coverage. Care OPD is a separate add-on policy, where available.

VS

Smart Super Health

Up to 90 days after discharge, within the sum insured

Deductible Option

Supreme Value for Money

A deductible can be selected where offered. The insured must bear the opted aggregate deductible before the insurer pays eligible claims.

VS

Smart Super Health

No deductible option is listed in the wording. Hospital cash has a one-day deductible.

Coverage Options

Supreme Value for Money

Individual coverage and family floater coverage are available under the Care Supreme product. Value for Money eligibility and sum insured options may be narrower than those of the broader product.

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

Supreme Value for Money

Care Health Insurance's claim settlement ratio is an insurer-level metric, not a Value for Money product metric. The FY 2024–25 ratio reported by secondary sources is 96.74%; it should not be interpreted as a guarantee that an individual claim will be approved.

VS

Smart Super Health

FY 24-25: ~84%

Maternity Cover

Supreme Value for Money

Pregnancy, childbirth and related maternity expenses are excluded under the standard plan. Network discounts are not equivalent to maternity insurance coverage.

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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Family Health Plan

  • One policy covers the entire family

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Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

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