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 moremyHealth 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
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
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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 Health Insurance Plan VS VS |
![]() 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 VS |
Smart Super Health
|
| ICU Charges |
|---|
myHealth Suraksha Gold At actuals under the older prospectus terms. |
VS 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 VS |
Smart Super Health
|
| 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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
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