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Insurance Plans Comparison

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

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 Suraksha Silver

Cover hospitalisation, cashless home treatment and day care, with 60 days before admission and 180 days after discharge, plus a 5% bonus each claim-free year up to 50% of the sum insured.

What Makes It Special:

HDFC ERGO my:health Suraksha Silver is an older health insurance variant that covers eligible hospitalisation expenses, including room rent and ICU charges at actuals, and provides pre- and post-hospitalisation coverage, daycare treatment, AYUSH treatment and home healthcare, subject to the applicable policy terms.

Best For:

  • Customers checking whether optional benefits such as Sum Insured Rebound are included in their policy schedule.

  • Policyholders who want to understand how optional co-payment choices affect their share of admissible claims.

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

  • Individuals seeking cover for eligible inpatient hospitalisation expenses.

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

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 Suraksha Silver

  • Verify network hospital status and any optional covers before planning treatment or relying on a particular benefit.

  • Confirm whether Sum Insured Rebound has been selected and understand the conditions governing its use.

  • Check the 4-year PED waiting period against your declared medical history and policy start date.

  • Review the selected co-payment percentage to understand your potential out-of-pocket share of admissible claims.

  • Check the UIN and policy schedule to confirm that your policy is Silver and not Silver Smart.

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 Suraksha Silver
myHealth Suraksha Silver

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 Suraksha Silver

1% of Sum Insured per day, subject to a maximum of ₹5,000 per day (if Room Rent Restriction Option is selected)

2% of Sum Insured per day, subject to a maximum of ₹10,000 per day (if Room Rent Restriction Option is selected)

Advanced Treatments

Smart Super Health Assure

Major Organ Transplant (Recipient)

Coronary Artery Bypass Graft Surgery

Stroke

Cancer

Heart Attack

Kidney Failure

VS

myHealth Suraksha Silver

All Advance Treatment are Covered

ICU Charges

Smart Super Health Assure

Information Unavailable

VS

myHealth Suraksha Silver

At actuals, subject to policy terms.

Co-payment

Smart Super Health Assure

Not mentioned

VS

myHealth Suraksha Silver

Optional Co-payment available

Disease-wise sublimits

Smart Super Health Assure

Information Unavailable

VS

myHealth Suraksha Silver

No complete Silver-specific confirmation available; check the applicable policy wording.

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 Suraksha Silver

Information Unavailable

Cashless Healthcare Providers

Smart Super Health Assure

6,500 network hospitals

VS

myHealth Suraksha Silver

Available through network hospitals

Restoration Benefit

Smart Super Health Assure

Information Unavailable

VS

myHealth Suraksha Silver

Sum Insured Rebound is an optional benefit under Silver; it is subject to conditions and is not unlimited restoration.

Daycare Treatment

Smart Super Health Assure

Not Applicable

VS

myHealth Suraksha Silver

Covered

Cumulative Bonus

Smart Super Health Assure

Information Unavailable

VS

myHealth Suraksha Silver

5% per claim-free year, up to 50% of basic sum insured.

AYUSH Treatment

Smart Super Health Assure

Not Mentioned

VS

myHealth Suraksha Silver

Covered

Consumable Cover

Smart Super Health Assure

Information Unavailable

VS

myHealth Suraksha Silver

Medicines, drugs and consumables are included in listed medical expenses, subject to policy terms.

Initial Waiting Period

Smart Super Health Assure

Information Unavailable

VS

myHealth Suraksha Silver

30 days for illnesses; accident-related claims are generally exempt.

Specific Waiting Period

Smart Super Health Assure

Information Unavailable

VS

myHealth Suraksha Silver

24 months for listed illnesses and procedures.

PED Waiting Period

Smart Super Health Assure

Information Unavailable

VS

myHealth Suraksha Silver

4 years under the older Silver variant terms.

Annual Health Checkup

Smart Super Health Assure

Information Unavailable

VS

myHealth Suraksha Silver

Available after 4 consecutive claim-free policy years under the older prospectus; eligibility and limits apply.

Pre-Hospitalisation

Smart Super Health Assure

Information Unavailable

VS

myHealth Suraksha Silver

60 days for eligible expenses.

Post-Hospitalisation

Smart Super Health Assure

Information Unavailable

VS

myHealth Suraksha Silver

180 days for eligible expenses.

Outpatient Department Cover (OPD Expense)

Smart Super Health Assure

Information Unavailable

VS

myHealth Suraksha Silver

Not covered as a standard OPD benefit; verify any separately selected optional cover.

Deductible Option

Smart Super Health Assure

Information Unavailable

VS

myHealth Suraksha Silver

Not verified for the exact Silver variant.

Coverage Options

Smart Super Health Assure

Information Unavailable

VS

myHealth Suraksha Silver

Individual and Family Floater; sum-insured options depend on the applicable policy version.

Claim Settlement Ratio

Smart Super Health Assure

Information Unavailable

VS

myHealth Suraksha Silver

97.45% for HDFC ERGO health claims in FY 2024–25, calculated using claims settled against claims available to settle. This is insurer-level, not product-specific.

Maternity Cover

Smart Super Health Assure

Information Unavailable

VS

myHealth Suraksha Silver

Exact Silver-specific coverage for modern treatments not verified.

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

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

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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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