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Insurance Plans Comparison

HDFC ERGO EquiCover 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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HDFC ERGO

EquiCover

Get inpatient hospitalisation for a certified disability or for people living with HIV/AIDS, excluding anti-retroviral treatment, plus AYUSH care up to the sum insured and a 20% co-pay on every claim.

What Makes It Special:

EquiCover is an indemnity health insurance product specifically filed for applicants who are routinely declined or heavily loaded on standard plans: persons certified with not less than 40% of a specified disability under the Rights of Persons with Disabilities Act 2016 or the Mental Healthcare Act 2017, and individuals with...

Best For:

  • Families covering a dependent child with a certified disability, since children can be enrolled on an individual policy of their own

  • Buyers who want a first layer of hospitalisation cover and are willing to pay extra to remove the standard 20% co-payment

  • Applicants with one of the 21 listed disabilities — including blindness, locomotor disability, thalassemia, haemophilia, sickle cell disease, autism spectrum disorder, cerebral palsy, mental illness and Parkinson's disease

  • Individuals living with HIV/AIDS seeking in-patient hospitalisation cover for medical conditions generally

  • Persons holding a disability certificate for not less than 40% of a specified disability from a government-appointed medical board, who cannot obtain standard health cover

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

  • If you are being covered for HIV/AIDS, note that antiretroviral treatment costs are excluded, so budget for that medication separately.

  • A disability certificate from a government-appointed medical board is a condition precedent to the disability cover, so obtain and keep it before applying.

  • The sum insured is limited to ₹4 lakh or ₹5 lakh, so treat this as a base layer and consider whether a separate top-up or group cover is available to you for larger claims.

  • Room rent is capped at 1% of sum insured per day and ICU at 2%, which on a ₹5 lakh cover is ₹5,000 and ₹10,000 a day, so check those limits against room rates at the hospitals you would use.

  • Price the optional co-payment waiver before buying, because without it you bear 20% of every admissible claim — ₹1 lakh on a ₹5 lakh claim at the maximum sum insured.

  • 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

EquiCover
EquiCover

Health Insurance Plan

VS
Smart Super Health
Smart Super Health

Health Insurance Plan

Room Rent

EquiCover

Normal: Up to 1% of Sum Insured per day

ICU: Up to 2% of Sum Insured per day

VS

Smart Super Health

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

EquiCover

Up to 2% of Sum Insured per day

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

EquiCover

Uterine Artery Embolization (UAE)

HIFU (High Intensity Focused Ultrasound)

Balloon Sinuplasty

Deep Brain Stimulation

Oral Chemotherapy

Immunotherapy (Monoclonal Antibody Injection)

Intra Vitreal Injections

Robotic Surgeries

Stereotactic Radio Surgeries

Bronchial Thermoplasty

Vaporisation of Prostate

IONM (Intra Operative Neuro Monitoring)

Hematopoietic Stem Cell Therapy for Bone Marrow Transplant

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

EquiCover

20% Co-payment on every 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

EquiCover

Yes — cataract treatment limited to ₹40,000 per eye per policy year; modern treatment capped at 50% of Sum Insured; emergency ground ambulance limited to ₹2,000 per hospitalisation

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.

Waiting Period

EquiCover

Initial Waiting Period: 30 Days

Pre-existing Disease Waiting Period:

  1. 24 Months for pre-existing disability
  2. 36 Months for other pre-existing conditions

Specific Disease/Procedure Waiting Period: 24 Months

VS

Smart Super Health

Information Unavailable

Cashless Healthcare Providers

EquiCover

Cashless treatment available through network providers

VS

Smart Super Health

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

Restoration Benefit

EquiCover

Not specified — no restoration, recharge or reinstatement of sum insured is provided in the policy document

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

EquiCover

Covered

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

EquiCover

Not specified — no cumulative bonus or no-claim increase in sum insured is provided in the policy document

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).

Consumable Cover

EquiCover

Not specified

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

EquiCover

Covered up to 100% of Sum Insured

VS

Smart Super Health

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

Initial Waiting Period

EquiCover

30 days for all claims except those resulting from an accident; not applicable after twelve months of continuous coverage

VS

Smart Super Health

30 days from inception, except for accidents

Specific Waiting Period

EquiCover

24 months for listed conditions and surgical procedures; not applicable to accident claims

VS

Smart Super Health

2 years for listed illnesses and procedures (clause 6.1.2)

PED Waiting Period

EquiCover

24 months for the covered pre-existing disability; 36 months for other pre-existing conditions, excluding the covered disability and HIV/AIDS

VS

Smart Super Health

48 months (clause 6.1.3)

Modern Treatment

EquiCover

Listed procedures covered up to 50% of Sum Insured, as in-patient or day care treatment

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

EquiCover

Not specified. A pre-policy check-up may be required based on age and sum insured, with 100% of the expense reimbursed on acceptance of the proposal

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

EquiCover

Information Unavailable

VS

Smart Super Health

Up to 60 days before admission, within the sum insured

Post-Hospitalisation

EquiCover

60 days from the date of discharge; claimable on a reimbursement basis only

VS

Smart Super Health

Up to 90 days after discharge, within the sum insured

Outpatient Department Cover (OPD Expense)

EquiCover

Not specified

VS

Smart Super Health

Up to 90 days after discharge, within the sum insured

Deductible Option

EquiCover

Not specified

VS

Smart Super Health

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

Coverage Options

EquiCover

Information Unavailable

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

EquiCover

97.45%

VS

Smart Super Health

FY 24-25: ~84%

Maternity Cover

EquiCover

Information Unavailable

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.

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Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

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  • Tailored for seniors healthcare needs

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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

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