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Insurance Plans Comparison

ICICI Lombard Smart Super Health Assure vs HDFC ERGO Optima Super 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 Super Secure

Triple your cover from day one, add up to 100% over two years even after claims, restore 100% of the base sum insured, and cover listed non-medical expenses, together reaching 5X after two years.

What Makes It Special:

Optima Super Secure is designed to increase the effective cover available beyond the selected base sum insured through three key benefits: Secure Benefit, Plus Benefit and Automatic Restore Benefit. Secure Benefit adds 200% of the base sum insured, Plus Benefit increases the base cover by 50% after each completed policy...

Best For:

  • Customers comparing a high-cover plan with optional aggregate deductible choices and related premium discounts.

  • Buyers looking for extended pre- and post-hospitalisation expense coverage.

  • People who value coverage for specified non-medical hospitalisation expenses.

  • Families considering a shared floater policy with restoration benefits.

  • Buyers who want a higher effective cover than the base sum insured alone.

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 Super Secure

  • Check the policy schedule for the selected room category and any optional benefits before purchasing.

  • Confirm the listed non-medical expenses covered by Protect Benefit rather than assuming every consumable or non-medical item is payable.

  • Review the 30-day initial waiting period, 24-month specified-disease waiting period and 36-month PED waiting period.

  • Check whether an aggregate deductible is suitable for your budget, because eligible expenses up to the selected deductible must be borne first.

  • Compare the base sum insured with your likely medical costs and understand how each enhanced-cover benefit is applied.

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 Super Secure
Optima Super 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 Super Secure

No room rent capping

Advanced Treatments

Smart Super Health Assure

Major Organ Transplant (Recipient)

Coronary Artery Bypass Graft Surgery

Stroke

Cancer

Heart Attack

Kidney Failure

VS

Optima Super Secure

Advanced Technology Methods Covered

ICU Charges

Smart Super Health Assure

Information Unavailable

VS

Optima Super Secure

Covered at actuals, subject to policy terms and the selected room option.

Co-payment

Smart Super Health Assure

Not mentioned

VS

Optima Super Secure

Not Mentioned

Disease-wise sublimits

Smart Super Health Assure

Information Unavailable

VS

Optima Super Secure

No general disease-wise sublimit confirmed from the reviewed plan summary; specific benefit limits, exclusions and policy conditions still apply.

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 Super Secure

Information Unavailable

Cashless Healthcare Providers

Smart Super Health Assure

6,500 network hospitals

VS

Optima Super Secure

12,000+ Network Hospitals & Healthcare Providers

Restoration Benefit

Smart Super Health Assure

Information Unavailable

VS

Optima Super Secure

Automatic Restore adds 100% of base sum insured after eligible partial or complete utilisation, subject to policy conditions.

Daycare Treatment

Smart Super Health Assure

Not Applicable

VS

Optima Super Secure

Covered

Cumulative Bonus

Smart Super Health Assure

Information Unavailable

VS

Optima Super Secure

No separate standard Cumulative Bonus; Plus Benefit adds 50% of base sum insured per year, up to 100%.

AYUSH Treatment

Smart Super Health Assure

Not Mentioned

VS

Optima Super Secure

Covered

Consumable Cover

Smart Super Health Assure

Information Unavailable

VS

Optima Super Secure

Built-in Protect Benefit covers listed non-medical expenses, subject to policy terms.

Initial Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Optima Super Secure

30 days for illnesses; accident-related claims are excepted, subject to terms.

Specific Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Optima Super Secure

24 months for specified diseases and procedures.

PED Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Optima Super Secure

36 months, subject to policy terms and any approved modification.

Modern Treatment

Smart Super Health Assure

Information Unavailable

VS

Optima Super Secure

Listed modern treatments covered, subject to policy terms and exclusions.

Annual Health Checkup

Smart Super Health Assure

Information Unavailable

VS

Optima Super Secure

Available at renewal; limits vary by sum insured and individual/floater policy type.

Pre-Hospitalisation

Smart Super Health Assure

Information Unavailable

VS

Optima Super Secure

Up to 60 days.

Post-Hospitalisation

Smart Super Health Assure

Information Unavailable

VS

Optima Super Secure

Up to 180 days.

Outpatient Department Cover (OPD Expense)

Smart Super Health Assure

Information Unavailable

VS

Optima Super Secure

General OPD expenses are not verified as a standard benefit; listed e-opinion for critical illnesses is available subject to conditions.

Deductible Option

Smart Super Health Assure

Information Unavailable

VS

Optima Super Secure

Optional aggregate deductible; available choices and discounts depend on the sum insured and policy configuration.

Coverage Options

Smart Super Health Assure

Information Unavailable

VS

Optima Super Secure

Individual or family floater; base sum insured from ₹10 lakh to ₹2 crore.

Claim Settlement Ratio

Smart Super Health Assure

Information Unavailable

VS

Optima Super Secure

FY 2024-25: 97.45%

Maternity Cover

Smart Super Health Assure

Information Unavailable

VS

Optima Super Secure

Not covered under the base plan, except where an express policy exception applies; do not assume maternity cover is included.

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

End-to-End Support

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

Zero Spam. Zero Hassle

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.

1-5 of 10 FAQs

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