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Insurance Plans Comparison

ICICI Lombard Smart Super Health Assure vs HDFC ERGO Health Wallet

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
HDFC ERGO

Health Wallet

Hospitalisation cover plus a carry-forward reserve for everyday medical costs

What Makes It Special:

Health Wallet pairs a conventional hospitalisation cover with a Reserve Benefit that behaves like a medical savings account inside the policy: unused amounts carry forward to the next policy year and earn a 6% bonus at renewal, the balance can be spent on outpatient and ordinarily non-payable costs such as...

Best For:

  • Families expecting to stay claim-free who want the Multiplier Benefit to double the basic sum insured over two years

  • Long-term policyholders who will stay beyond five renewals and want to use the accrued Reserve to pay up to half of their renewal premium

  • Buyers who already hold another health policy or a corporate cover and can take the optional deductible to reduce premium

  • People who dislike the idea of paying premiums with nothing to show for claim-free years, since the Reserve carries forward and earns a 6% bonus

  • Buyers who regularly spend on consultations, medicines, dental care, spectacles or diagnostics and want a policy that contributes to those costs, not only to hospitalisation

Insurance Plans Comparison

Get Personalized Advice

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

HDFC ERGO Health Wallet

  • Room rent, ICU limits, pre- and post-hospitalisation periods, day care cover in India and AYUSH are not stated in the available summary literature, so read the policy wording on those before buying.

  • A claim resets the Multiplier Benefit's progress, so if you expect to claim in the early years, do not size the sum insured on the assumption that it will double.

  • The preventive health check-up limit is tied to your Reserve Benefit rather than being a flat entitlement, so ask what limit applies at your chosen sum insured before counting on it.

  • The built-in Restore Benefit is narrow — once a policy year, only after the basic sum insured and Multiplier are fully exhausted, only for future claims, and not for an illness already claimed that year — so price the Unlimited Restore add-on if multiple claims are a realistic prospect.

  • The optional deductible cancels the Recovery Benefit, so if the ₹10,000 lump sum for a stay beyond 10 days matters to you, weigh it against the premium the deductible saves.

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
Health Wallet
Health Wallet

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

Health Wallet

Normal: No Capping (Covered up to Sum Insured)

ICU: No Capping (Covered up to Sum Insured)

Advanced Treatments

Smart Super Health Assure

Major Organ Transplant (Recipient)

Coronary Artery Bypass Graft Surgery

Stroke

Cancer

Heart Attack

Kidney Failure

VS

Health Wallet

Worldwide Emergency Treatment

Day Care Procedures

Preventive Health Check-Up

Unlimited Restore Add-On

ICU Charges

Smart Super Health Assure

Information Unavailable

VS

Health Wallet

Not specified

Co-payment

Smart Super Health Assure

Not mentioned

VS

Health Wallet

None

Disease-wise sublimits

Smart Super Health Assure

Information Unavailable

VS

Health Wallet

Not specified. Ambulance cover is limited to ₹2,000 per hospitalisation and the Recovery Benefit to a ₹10,000 lump sum

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

Health Wallet

Information Unavailable

Cashless Healthcare Providers

Smart Super Health Assure

6,500 network hospitals

VS

Health Wallet

14,000+ network hospitals across India

Daycare Treatment

Smart Super Health Assure

Not Applicable

VS

Health Wallet

Covered

Cumulative Bonus

Smart Super Health Assure

Information Unavailable

VS

Health Wallet

Multiplier Benefit — basic sum insured increases by 50% after a claim-free year and doubles after a second consecutive claim-free year. Separately, unused Reserve Benefit earns a 6% bonus at renewal

AYUSH Treatment

Smart Super Health Assure

Not Mentioned

VS

Health Wallet

Covered

Consumable Cover

Smart Super Health Assure

Information Unavailable

VS

Health Wallet

Not covered as an indemnity benefit. The Reserve Benefit may instead be used to pay non-payable items generally excluded from a health insurance claim

Initial Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Health Wallet

30 days

Specific Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Health Wallet

24 months for specified diseases including cataract, hernia, hysterectomy and joint replacement

PED Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Health Wallet

36 months

Modern Treatment

Smart Super Health Assure

Information Unavailable

VS

Health Wallet

Not specified

Annual Health Checkup

Smart Super Health Assure

Information Unavailable

VS

Health Wallet

Preventive health check-up at renewal irrespective of claims; the check-up limit eligibility is based on the Reserve Benefit

Pre-Hospitalisation

Smart Super Health Assure

Information Unavailable

VS

Health Wallet

Not specified

Post-Hospitalisation

Smart Super Health Assure

Information Unavailable

VS

Health Wallet

Not specified

Outpatient Department Cover (OPD Expense)

Smart Super Health Assure

Information Unavailable

VS

Health Wallet

Not covered as a separate indemnity benefit. The Reserve Benefit can be used for outpatient costs including consultations with a medical practitioner, physiotherapist, dietician or speech therapist, medicines, vaccinations, dental expenses and outpatient diagnostic tests

Deductible Option

Smart Super Health Assure

Information Unavailable

VS

Health Wallet

Optional — applies on an individual basis for an individual sum insured policy and on a family floater basis for a floater policy; it does not reduce the sum insured. Choosing it removes the Recovery Benefit

Claim Settlement Ratio

Smart Super Health Assure

Information Unavailable

VS

Health Wallet

97.45%

Maternity Cover

Smart Super Health Assure

Information Unavailable

VS

Health Wallet

Not covered — expenses attributable directly or indirectly to pregnancy, including voluntary termination, and miscarriage except as a result of an accident or illness, are excluded

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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Pure advice, no unwanted calls, no unnecessary push

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.

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