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Insurance Plans Comparison

ICICI Lombard Smart Super Health Assure vs HDFC ERGO Optima Secure

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

Optima Secure

Get up to 4X coverage with built-in benefits that increase your cover, restore your sum insured and protect you against specified non-medical hospital expenses.

What Makes It Special:

HDFC ERGO Optima Secure is a comprehensive health insurance plan offering coverage from ₹5 lakh to ₹2 crore for individuals and families. It provides a Secure Benefit that doubles your coverage from day one, Plus Benefit that grows it further on renewal, and Restore Benefit that reinstates the base sum after a...

Best For:

  • Comprehensive Family Health Insurance

  • Multi-Benefit Medical Protection Plan

  • Coverage with Automatic Sum Boost

  • Restoration-enabled Secure Health Policy

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 Optima Secure

  • Coverage growth with Secure and Plus Benefits

  • Automatic sum insured restoration after claims

  • No room-rent or ICU restrictions

  • Annual health check-ups and preventive care

  • Long-term loyalty rewards and discounts

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
Optima Secure
Optima Secure

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

Optima Secure

All room categories are covered

Advanced Treatments

Smart Super Health Assure

Major Organ Transplant (Recipient)

Coronary Artery Bypass Graft Surgery

Stroke

Cancer

Heart Attack

Kidney Failure

VS

Optima Secure

Information Unavailable

ICU Charges

Smart Super Health Assure

Information Unavailable

VS

Optima Secure

No restriction on ICU room rent

Co-payment

Smart Super Health Assure

Not mentioned

VS

Optima Secure

Not available

Disease-wise sublimits

Smart Super Health Assure

Information Unavailable

VS

Optima Secure

No

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

Optima Secure

Information Unavailable

Cashless Healthcare Providers

Smart Super Health Assure

6,500 network hospitals

VS

Optima Secure

16000+ Healthcare Providers

Restoration Benefit

Smart Super Health Assure

Information Unavailable

VS

Optima Secure

Yes, your sum insured restores to 100% once every policy year

Daycare Treatment

Smart Super Health Assure

Not Applicable

VS

Optima Secure

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Cumulative Bonus

Smart Super Health Assure

Information Unavailable

VS

Optima Secure

Your sum insured increases by 50% every year, maximum up to 300%

AYUSH Treatment

Smart Super Health Assure

Not Mentioned

VS

Optima Secure

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Consumable Cover

Smart Super Health Assure

Information Unavailable

VS

Optima Secure

Yes

Initial Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Optima Secure

30 days

Specific Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Optima Secure

2 years

PED Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Optima Secure

3 years

Modern Treatment

Smart Super Health Assure

Information Unavailable

VS

Optima Secure

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Smart Super Health Assure

Information Unavailable

VS

Optima Secure

Health check-up is available after the first policy year

Pre-Hospitalisation

Smart Super Health Assure

Information Unavailable

VS

Optima Secure

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Smart Super Health Assure

Information Unavailable

VS

Optima Secure

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Smart Super Health Assure

Information Unavailable

VS

Optima Secure

OPD expense is not included

Deductible Option

Smart Super Health Assure

Information Unavailable

VS

Optima Secure

Available as an option

Coverage Options

Smart Super Health Assure

Information Unavailable

VS

Optima Secure

Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr and ₹2 Cr

Claim Settlement Ratio

Smart Super Health Assure

Information Unavailable

VS

Optima Secure

98%

Maternity Cover

Smart Super Health Assure

Information Unavailable

VS

Optima Secure

Not in base plan; available as paid add-on.


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?

End-to-End Support

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From choosing the right policy to managing claims, every step is handled for you

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Zero Spam. Zero Hassle

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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