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Insurance Plans Comparison

ICICI Lombard Smart Super Health Assure vs HDFC ERGO myHealth Koti Suraksha

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

myHealth Koti Suraksha

Get a ₹1 crore hospitalisation cover with cashless home treatment, room rent up to a single standard air-conditioned room, and a 10% cumulative bonus each year even after a claim, up to 100%.

What Makes It Special:

my:health Koti Suraksha delivers a ₹1 crore sum insured at a lower premium by accepting three restrictions in the base cover — a room category capped at a Single Standard AC Room, a ₹75,000 sub-limit on eight common procedures, and a mandatory 20% co-payment for lives with a pre-existing disease...

Best For:

  • Buyers prepared to pay for the waiver covers so a ₹1 crore cover works without room, procedure or co-payment restrictions

  • Buyers who already hold a base policy and can take the aggregate deductible to reduce premium further

  • Buyers in Tier 2 cities where a Single Standard AC Room is likely to fall within or close to the plan's room entitlement

  • Families wanting a wide relationship list on one individual sum insured policy, extending to siblings, in-laws, grandparents, nieces and nephews

  • Buyers who want a very high sum insured for catastrophic illness and are willing to accept caps on routine, lower-cost procedures

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 myHealth Koti Suraksha

  • The room entitlement is a Single Standard AC Room rather than a percentage of sum insured, so check what that category means at the hospitals you would use, since exceeding it can trigger deductions.

  • Opting for the aggregate deductible removes both the Cumulative Bonus and the Sum Insured Rebound, so weigh the premium saved against losing those two benefits.

  • If anyone insured is entering above age 60 or has a declared pre-existing disease, a 20% co-payment applies, so check whether the Waiver of Co-Payment costs less than the share you would otherwise bear.

  • The ₹75,000 sub-limit covers eight of the most commonly claimed procedures, including cataract, hernia and hysterectomy, so if these are a realistic prospect for anyone insured, the Waiver of Disease Capping is likely to matter more than the sum insured.

  • Price all three waiver covers — room rent, disease capping and co-payment — before comparing this plan against a conventional ₹1 crore policy, because the headline premium reflects the restrictions, not the unrestricted cover.

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
myHealth Koti Suraksha
myHealth Koti Suraksha

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

myHealth Koti Suraksha

Single Standard AC Room

Covered as part of hospitalization expenses

Advanced Treatments

Smart Super Health Assure

Major Organ Transplant (Recipient)

Coronary Artery Bypass Graft Surgery

Stroke

Cancer

Heart Attack

Kidney Failure

VS

myHealth Koti Suraksha

Advanced Technology Methods Covered

ICU Charges

Smart Super Health Assure

Information Unavailable

VS

myHealth Koti Suraksha

Covered within medical expenses; no separate ICU limit stated

Co-payment

Smart Super Health Assure

Not mentioned

VS

myHealth Koti Suraksha

20% Co-payment

Disease-wise sublimits

Smart Super Health Assure

Information Unavailable

VS

myHealth Koti Suraksha

Yes — a ₹75,000 sub-limit applies to each of cataract; surgery for benign tumours, cysts, nodules or polyps; stone in the urinary system; hernia-related procedures; appendectomy; hysterectomy; fissures, piles and fistulas; and cellulitis or abscess. Optional Waiver of Disease Capping deletes these sub-limits

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

myHealth Koti Suraksha

Information Unavailable

Cashless Healthcare Providers

Smart Super Health Assure

6,500 network hospitals

VS

myHealth Koti Suraksha

Available through network hospitals

Restoration Benefit

Smart Super Health Assure

Information Unavailable

VS

myHealth Koti Suraksha

Optional — Sum Insured Rebound adds an amount equal to the claim paid under the basic sum insured, up to a maximum of the basic sum insured, on subsequent hospitalisation in a policy year. A single claim cannot exceed the basic sum insured plus cumulative bonus earned; for chemotherapy and dialysis it applies only once in the policy lifetime; unused amounts do not carry forward; not available if aggregate deductible is opted

Daycare Treatment

Smart Super Health Assure

Not Applicable

VS

myHealth Koti Suraksha

Covered

Cumulative Bonus

Smart Super Health Assure

Information Unavailable

VS

myHealth Koti Suraksha

10% of basic sum insured on each continuous renewal irrespective of claims, up to a maximum of 100%; not applicable if aggregate deductible is opted. Optional Cumulative Bonus Booster increases this to 50% per renewal, maximum 100%

AYUSH Treatment

Smart Super Health Assure

Not Mentioned

VS

myHealth Koti Suraksha

Covered

Consumable Cover

Smart Super Health Assure

Information Unavailable

VS

myHealth Koti Suraksha

Optional — Non-Medical Expenses Cover pays non-medical expenses up to 5% of the admissible claim amount under the hospitalisation section

Initial Waiting Period

Smart Super Health Assure

Information Unavailable

VS

myHealth Koti Suraksha

30 days, except claims arising from an accident

Specific Waiting Period

Smart Super Health Assure

Information Unavailable

VS

myHealth Koti Suraksha

24 months for specified illnesses and surgical procedures

PED Waiting Period

Smart Super Health Assure

Information Unavailable

VS

myHealth Koti Suraksha

36 months; optional Waiting Period Modification reduces it to 24 months

Modern Treatment

Smart Super Health Assure

Information Unavailable

VS

myHealth Koti Suraksha

Not specified.

Annual Health Checkup

Smart Super Health Assure

Information Unavailable

VS

myHealth Koti Suraksha

Preventive health check-up after completion of each policy year or at renewal at a network provider, covering a listed panel including chest X-ray, 2D echo or stress test, PSA for males, PAP smear for females, medical examination report, complete blood count, urine routine, fasting blood sugar, lipid profile and ECG. The benefit is not carried forward if not used within 60 days of the policy anniversary

Post-Hospitalisation

Smart Super Health Assure

Information Unavailable

VS

myHealth Koti Suraksha

180 days after discharge

Outpatient Department Cover (OPD Expense)

Smart Super Health Assure

Information Unavailable

VS

myHealth Koti Suraksha

Not covered. Wellness services include discounts on OPD, pharmaceuticals, pharmacy and diagnostic centres, which are discounts rather than cover

Deductible Option

Smart Super Health Assure

Information Unavailable

VS

myHealth Koti Suraksha

Optional — Aggregate Deductible. The insured bears the opted amount across all admissible claims in a policy year before the insurer's liability begins. Opting for it removes the Cumulative Bonus and the Sum Insured Rebound

Coverage Options

Smart Super Health Assure

Information Unavailable

VS

myHealth Koti Suraksha

Individual sum insured or floater sum insured

Maternity Cover

Smart Super Health Assure

Information Unavailable

VS

myHealth Koti Suraksha

Not covered — maternity and medical treatment expenses traceable to childbirth are permanently excluded

Insurance Plans Comparison

Still Confused? Get Expert Advice

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Talk to experienced advisors at no cost, and make confident decisions

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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

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  • 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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