Partner with us

Insurance Plans Comparison

HDFC ERGO myHealth Suraksha Gold vs ICICI Lombard Smart Super Health

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

Read more
HDFC ERGO

myHealth Suraksha Gold

Health insurance with hospitalisation cover and restoration benefits

What Makes It Special:

my:health Suraksha Gold is an older HDFC ERGO health insurance variant that provides hospitalisation-related benefits, including eligible pre- and post-hospitalisation expenses, daycare treatment, AYUSH treatment and Sum Insured Rebound, subject to the applicable policy wording and schedule.

Best For:

  • Existing policyholders reviewing the terms and benefits of an older my:health Suraksha Gold policy.

  • People who value a restoration-style benefit for a subsequent hospitalisation, subject to policy conditions.

  • Buyers who want pre- and post-hospitalisation expenses included in their health insurance cover.

  • Families considering an individual or family floater policy, subject to the applicable eligibility conditions.

  • Individuals looking for cover for eligible hospitalisation and related medical expenses.

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

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

  • Confirm hospital network status, cashless eligibility and the applicable policy wording before planned treatment.

  • Verify the conditions for Sum Insured Rebound, including when it becomes available and how much can be used for a subsequent claim.

  • Review the 24-month specific-disease waiting period and applicable PED waiting period against your medical history.

  • Check the applicable co-payment and room-rent terms to understand how much of an admissible claim you may need to pay yourself.

  • Confirm the exact Gold variant and UIN on your policy schedule before relying on benefit limits or waiting periods.

  • 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

myHealth Suraksha Gold
myHealth Suraksha Gold

Health Insurance Plan

VS
Smart Super Health
Smart Super Health

Health Insurance Plan

Room Rent

myHealth Suraksha Gold

At actuals in the older prospectus; room-rent modification options may alter the applicable terms.

VS

Smart Super Health

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

myHealth Suraksha Gold

At actuals under the older prospectus terms.

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

myHealth Suraksha Gold

Information Unavailable

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

myHealth Suraksha Gold

Optional co-payment choices of 15% or 25% are shown for the relevant variant family; verify the selected Gold configuration.

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

myHealth Suraksha Gold

No complete variant-specific confirmation available; check the applicable policy schedule and wording.

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.

Cashless Healthcare Providers

myHealth Suraksha Gold

12,000+ cashless network hospitals, as stated on HDFC ERGO’s insurer website; the network and cashless eligibility should be checked at the time of treatment.

VS

Smart Super Health

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

Restoration Benefit

myHealth Suraksha Gold

Sum Insured Rebound is listed. It is subject to claim-related conditions and is not an unlimited restoration benefit.

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.

Cumulative Bonus

myHealth Suraksha Gold

10% per claim-free year, up to 100% of basic sum insured in the older variant table; confirm the applicable Gold version.

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).

Daycare Treatment

myHealth Suraksha Gold

Covered, subject to the applicable policy wording and eligible procedures.

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​.

Consumable Cover

myHealth Suraksha Gold

Medical consumables are referenced within hospitalisation expenses; specific non-medical expense coverage depends on applicable terms and optional cover.

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

myHealth Suraksha Gold

Inpatient alternative treatments, including Ayurveda, Unani, Siddha and Homeopathy, subject to policy terms.

VS

Smart Super Health

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

Initial Waiting Period

myHealth Suraksha Gold

30 days, subject to policy terms and accident-related exceptions.

VS

Smart Super Health

30 days from inception, except for accidents

Specific Waiting Period

myHealth Suraksha Gold

24 months for listed illnesses and procedures.

VS

Smart Super Health

2 years for listed illnesses and procedures (clause 6.1.2)

PED Waiting Period

myHealth Suraksha Gold

48 months under the identified older Gold terms; modification may apply if selected and specified in the policy schedule.

VS

Smart Super Health

48 months (clause 6.1.3)

Modern Treatment

myHealth Suraksha Gold

Not verified for the exact Gold version; refer to applicable policy wording.

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

myHealth Suraksha Gold

Preventive health check-up booster is listed as an optional cover; exact limit and eligibility require confirmation.

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

myHealth Suraksha Gold

60 days under the older prospectus.

VS

Smart Super Health

Up to 60 days before admission, within the sum insured

Post-Hospitalisation

myHealth Suraksha Gold

180 days under the older prospectus.

VS

Smart Super Health

Up to 90 days after discharge, within the sum insured

Outpatient Department Cover (OPD Expense)

myHealth Suraksha Gold

Not covered as a standard benefit in the older variant table.

VS

Smart Super Health

Up to 90 days after discharge, within the sum insured

Deductible Option

myHealth Suraksha Gold

Not verified for the exact Gold version.

VS

Smart Super Health

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

Coverage Options

myHealth Suraksha Gold

Individual and Family Floater; sum-insured availability depends on the applicable version.

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

myHealth Suraksha Gold

98.85% — HDFC ERGO health claims, number-based settlement ratio for FY 2024–25, as reported from IRDAI data. This is insurer-level, not product-specific.

VS

Smart Super Health

FY 24-25: ~84%

Maternity Cover

myHealth Suraksha Gold

Not covered as a standard benefit in the identified older Gold variant table. Do not assume optional maternity cover applies without verifying the exact policy schedule.

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.

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

Compare With Other Health Insurance Plans

Oneassure

Health Insurance

Compare Health Insurance Plans

Myhealth Suraksha Gold Vs Smart Super Health

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.