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Insurance Plans Comparison

HDFC ERGO Optima Secure Global 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

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.

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

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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

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.

ICICI Lombard Smart Super Health

  • 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

Optima Secure Global
Optima Secure Global

Health Insurance Plan

Brochure

Policy Wording

VS
Smart Super Health
Smart Super Health

Health Insurance Plan

Room Rent

Optima Secure Global

Covered at Actuals

VS

Smart Super Health

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

Optima Secure Global

Global Health Cover Available

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

Optima Secure Global

Covered subject to the applicable sum insured and 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

Optima Secure Global

No Geography-Based Co-payment

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

Optima Secure Global

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

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

Optima Secure Global

16,000+ Network Hospitals & 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

Optima Secure Global

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

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

Optima Secure Global

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

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.

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

Optima Secure Global

Covered up till sun assured

VS

Smart Super Health

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

Consumable Cover

Optima Secure Global

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

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

Optima Secure Global

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

VS

Smart Super Health

30 days from inception, except for accidents

Specific Waiting Period

Optima Secure Global

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

VS

Smart Super Health

2 years for listed illnesses and procedures (clause 6.1.2)

PED Waiting Period

Optima Secure Global

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

VS

Smart Super Health

48 months (clause 6.1.3)

Modern Treatment

Optima Secure Global

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

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

Optima Secure Global

Available; limit depends on policy type and 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

Optima Secure Global

Up to 60 days for eligible hospitalisation in India.

VS

Smart Super Health

Up to 60 days before admission, within the sum insured

Post-Hospitalisation

Optima Secure Global

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

VS

Smart Super Health

Up to 90 days after discharge, within the sum insured

Outpatient Department Cover (OPD Expense)

Optima Secure Global

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

VS

Smart Super Health

Up to 90 days after discharge, within the sum insured

Deductible Option

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.

VS

Smart Super Health

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

Coverage Options

Optima Secure Global

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

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

Optima Secure Global

FY 2024-25: 97.45%


VS

Smart Super Health

FY 24-25: ~84%

Maternity Cover

Optima Secure Global

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

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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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

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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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