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Insurance Plans Comparison

ICICI Lombard Smart Super Health Assure vs HDFC ERGO Optima Secure Global

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

Optima Secure Global

Cover only emergency hospitalisation outside India within 45 days of a trip, after ₹10,000 per overseas claim, doubling India cover from day one, adding 50% a year up to 100%, restoring 100% in India and paying listed non-medical expenses.

What Makes It Special:

Optima Secure Global is a variant under HDFC ERGO’s my:Optima Secure range for people who want health insurance coverage in India along with protection for eligible emergency medical treatment overseas. Unlike Optima Secure Global Plus, this variant does not cover planned overseas treatment. Its domestic Secure Benefit and Automatic Restore...

Best For:

  • Buyers who need emergency overseas cover but do not require planned overseas treatment under the same variant.

  • Families comparing individual and family floater cover with restoration and cover-enhancement benefits.

  • Buyers looking for a high base sum insured of ₹1 crore or ₹2 crore.

  • Frequent international travellers who want emergency medical protection alongside domestic health insurance.

  • People who want health insurance for treatment in India and emergency medical treatment abroad.

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 Optima Secure Global

  • Check waiting periods, exclusions, eligible relationships and underwriting terms before selecting the policy.

  • Compare the optional aggregate deductible against your ability to pay eligible domestic expenses out of pocket.

  • Confirm how Secure Benefit and Automatic Restore apply, because these benefits are restricted to eligible treatment in India.

  • Review the ₹10,000 per-claim overseas deductible and policy-year overseas liability limit before relying on the international benefit.

  • Choose Global if overseas protection is needed for eligible emergencies; compare Global Plus if planned overseas treatment is also important.

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
Optima Secure Global
Optima Secure Global

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

Optima Secure Global

Covered at Actuals

Advanced Treatments

Smart Super Health Assure

Major Organ Transplant (Recipient)

Coronary Artery Bypass Graft Surgery

Stroke

Cancer

Heart Attack

Kidney Failure

VS

Optima Secure Global

Global Health Cover Available

ICU Charges

Smart Super Health Assure

Information Unavailable

VS

Optima Secure Global

Covered subject to the applicable sum insured and policy terms.

Co-payment

Smart Super Health Assure

Not mentioned

VS

Optima Secure Global

No Geography-Based Co-payment

Disease-wise sublimits

Smart Super Health Assure

Information Unavailable

VS

Optima Secure Global

No disease-specific sublimits verified from the reviewed Global plan summary; overseas liability and deductibles are separate 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

Optima Secure Global

Information Unavailable

Cashless Healthcare Providers

Smart Super Health Assure

6,500 network hospitals

VS

Optima Secure Global

16,000+ Network Hospitals & Healthcare Providers

Restoration Benefit

Smart Super Health Assure

Information Unavailable

VS

Optima Secure Global

Automatic Restore Benefit restores 100% of base sum insured for eligible claims in India, subject to conditions.

Daycare Treatment

Smart Super Health Assure

Not Applicable

VS

Optima Secure Global

Covered

Cumulative Bonus

Smart Super Health Assure

Information Unavailable

VS

Optima Secure Global

Plus Benefit increases cover by 50% of base sum insured after year 1 and up to 100% after year 2, subject to conditions.

AYUSH Treatment

Smart Super Health Assure

Not Mentioned

VS

Optima Secure Global

Covered up till sun assured

Consumable Cover

Smart Super Health Assure

Information Unavailable

VS

Optima Secure Global

Protect Benefit covers specified non-medical expenses, subject to the policy wording.

Initial Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Optima Secure Global

30 days for illnesses; subject to policy wording and accident-related exceptions.

Specific Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Optima Secure Global

24 months for specified diseases and procedures, subject to policy terms.

PED Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Optima Secure Global

36 months, subject to applicable policy terms and approved modifications.

Modern Treatment

Smart Super Health Assure

Information Unavailable

VS

Optima Secure Global

Listed modern treatments covered, subject to policy terms and geography restrictions.

Annual Health Checkup

Smart Super Health Assure

Information Unavailable

VS

Optima Secure Global

Available; limit depends on policy type and applicable terms.

Pre-Hospitalisation

Smart Super Health Assure

Information Unavailable

VS

Optima Secure Global

Up to 60 days for eligible hospitalisation in India.

Post-Hospitalisation

Smart Super Health Assure

Information Unavailable

VS

Optima Secure Global

Up to 180 days for eligible hospitalisation in India; overseas cover is subject to separate Global benefit terms.

Outpatient Department Cover (OPD Expense)

Smart Super Health Assure

Information Unavailable

VS

Optima Secure Global

General OPD expenses not verified as a standard benefit; overseas emergency cover is subject to its specific definition.

Deductible Option

Smart Super Health Assure

Information Unavailable

VS

Optima Secure Global

Optional aggregate deductible: ₹25,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh or ₹5 lakh; applies to eligible claims in India.

Coverage Options

Smart Super Health Assure

Information Unavailable

VS

Optima Secure Global

Individual or family floater; ₹1 crore or ₹2 crore base sum insured.

Claim Settlement Ratio

Smart Super Health Assure

Information Unavailable

VS

Optima Secure Global

FY 2024-25: 97.45%


Maternity Cover

Smart Super Health Assure

Information Unavailable

VS

Optima Secure Global

Not verified as a covered benefit; do not assume maternity expenses are covered.

Insurance Plans Comparison

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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.

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