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Insurance Plans Comparison

HDFC ERGO myHealth Suraksha Platinum vs ICICI Lombard Smart Super Health

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

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HDFC ERGO

myHealth Suraksha Platinum

Hospitalisation cover with flexible optional benefits

What Makes It Special:

HDFC ERGO my:health Suraksha Platinum is an older health insurance variant that covers eligible hospitalisation expenses, including room rent and ICU charges, and provides pre- and post-hospitalisation benefits, daycare treatment and a cumulative bonus, subject to the applicable policy terms.

Best For:

  • Customers reviewing whether Sum Insured Rebound or other optional covers are included in their existing policy schedule.

  • Policyholders who want to understand the effect of optional co-payment choices on their out-of-pocket expenses.

  • Buyers who value pre- and post-hospitalisation expense coverage.

  • Individuals seeking cover for eligible inpatient hospitalisation expenses.

  • Existing policyholders reviewing the benefits and conditions of their my:health Suraksha Platinum policy.

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

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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

  • Verify the applicable OPD benefit, network hospital status and any optional covers before planning treatment.

  • Confirm whether Sum Insured Rebound is selected and review the conditions governing its use.

  • Check the 3-year PED waiting period against your declared medical history and policy start date.

  • Review your selected co-payment percentage to understand how much of an admissible claim you may need to pay.

  • Check the UIN and policy schedule to confirm that your cover is the older Platinum variant rather than Platinum Smart.

  • 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 Platinum
myHealth Suraksha Platinum

Health Insurance Plan

VS
Smart Super Health
Smart Super Health

Health Insurance Plan

Room Rent

myHealth Suraksha Platinum

Normal: Room Rent, Boarding & Nursing Charges Covered

ICU: Intensive Care Unit Charges Covered

VS

Smart Super Health

  1. Normal: Covered Up to Sum Insured
  2. ICU: Covered Up to Sum Insured
Advanced Treatments

myHealth Suraksha Platinum

Home Healthcare

Domiciliary Hospitalization

Organ Donor Expenses

Air Ambulance (Optional)

Global Health Cover (Optional)

Major Illness Hospitalization Cover (Optional)

Mental Health Treatment

VS

Smart Super Health

  1. Robotic surgeries
  2. Stem cell therapy
  3. Deep brain stimulation
  4. Bronchial thermoplasty

     

  5. Intra-operative neuro monitoring (IONM)
ICU Charges

myHealth Suraksha Platinum

At actuals, subject to policy 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.

Co-payment

myHealth Suraksha Platinum

No mandatory co-payment mentioned

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 Platinum

No complete variant-specific confirmation available; verify the applicable policy 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 Platinum

Cashless treatment available through network healthcare providers

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 Platinum

Sum Insured Rebound is listed as optional; it 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.

Daycare Treatment

myHealth Suraksha Platinum

Covered

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​.

Cumulative Bonus

myHealth Suraksha Platinum

5% of sum insured for each claim-free year, up to 50% of sum insured.

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).

AYUSH Treatment

myHealth Suraksha Platinum

Covered

VS

Smart Super Health

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

Consumable Cover

myHealth Suraksha Platinum

Medicines, drugs and consumables are included in listed medical expenses; non-medical expense coverage requires verification.

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).

Initial Waiting Period

myHealth Suraksha Platinum

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

VS

Smart Super Health

30 days from inception, except for accidents

Specific Waiting Period

myHealth Suraksha Platinum

24 months for specified illnesses and treatments.

VS

Smart Super Health

2 years for listed illnesses and procedures (clause 6.1.2)

PED Waiting Period

myHealth Suraksha Platinum

3 years under the older Platinum variant terms.

VS

Smart Super Health

48 months (clause 6.1.3)

Modern Treatment

myHealth Suraksha Platinum

Not verified for the exact older Platinum variant.

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 Platinum

Preventive health check-up listed as a renewal benefit, subject to applicable terms.

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 Platinum

60 days for eligible expenses.

VS

Smart Super Health

Up to 60 days before admission, within the sum insured

Post-Hospitalisation

myHealth Suraksha Platinum

180 days for eligible expenses.

VS

Smart Super Health

Up to 90 days after discharge, within the sum insured

Outpatient Department Cover (OPD Expense)

myHealth Suraksha Platinum

₹2,500 listed in the older variant schedule; confirm the applicable cover and policy schedule.

VS

Smart Super Health

Up to 90 days after discharge, within the sum insured

Deductible Option

myHealth Suraksha Platinum

Not verified for the exact Platinum variant.

VS

Smart Super Health

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

Coverage Options

myHealth Suraksha Platinum

Individual and Family Floater, subject to availability under the applicable policy 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 Platinum

98.85% of claims paid within 3 months in FY 2024–25; this is a claims-paid-within-three-months metric, not a product-specific ratio.

VS

Smart Super Health

FY 24-25: ~84%

Maternity Cover

myHealth Suraksha Platinum

Not covered under the older Platinum variant 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.

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Still Confused? Get Expert Advice

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Why Choose Our Expert Consultation?

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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

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

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  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

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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

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Frequently Asked Questions (FAQs)

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