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Insurance Plans Comparison

ICICI Lombard Complete Health Insurance Health Protect Plus Plan 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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ICICI Lombard

Complete Health Insurance Health Protect Plus Plan

Cover maternity, a newborn and outpatient treatment together with hospital daily cash and a convalescence benefit, and reset up to 100% of the sum insured once in a policy year for a later unrelated illness.

What Makes It Special:

Health Protect Plus is a plan under ICICI Lombard Complete Health Insurance that combines inpatient hospitalisation cover with eligible daycare procedures, inpatient AYUSH treatment, pre- and post-hospitalisation expenses, and a reset benefit. The plan-specific Key Information Sheet also lists maternity cover after a 36-month waiting period, newborn baby cover following...

Best For:

  • Customers comparing hospitalisation benefits with optional critical illness, donor expense or personal accident covers.

  • Buyers who value a limited combined allowance for outpatient treatment and wellness expenses.

  • Policyholders who want a reset benefit after eligible use of the sum insured.

  • Eligible couples seeking maternity benefits with a three-year waiting period and defined delivery limits.

  • Buyers looking for inpatient hospitalisation and eligible daycare treatment cover.

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

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

  • Confirm which optional covers have actually been selected and paid for; critical illness, donor expenses and personal accident cover should not be assumed to be included automatically.

  • Treat the ₹5,000 outpatient and wellness allowance as a combined floater limit, not a separate limit for each benefit.

  • Review the cataract sub-limit carefully, as the applicable limit depends on the selected sum insured.

  • If maternity cover matters, check the 36-month waiting period, the requirement for both spouses to be insured and the delivery-related sub-limits.

  • Verify the sum insured and room-rent limits in the policy schedule before comparing premiums or coverage.

  • 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

Complete Health Insurance Health Protect Plus Plan
Complete Health Insurance Health Protect Plus Plan

Health Insurance Plan

Brochure

VS
Smart Super Health
Smart Super Health

Health Insurance Plan

Room Rent

Complete Health Insurance Health Protect Plus Plan

ICICI Health Protect Plus offers coverage for room rent, including both normal and ICU hospitalization, without any sub-limits.

VS

Smart Super Health

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

Complete Health Insurance Health Protect Plus Plan

Covers advanced treatments, including robotic surgeries, stem cell therapy (if medically necessary), oral chemotherapy, and modern procedures like targeted therapy.

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

Complete Health Insurance Health Protect Plus Plan

Covered under inpatient treatment, subject to applicable policy terms and limits.

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

Complete Health Insurance Health Protect Plus Plan

Does not have a mandatory co-payment for most treatments. However, co-payment may apply for senior citizens or specific medical conditions as per policy terms.

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

Complete Health Insurance Health Protect Plus Plan

Cataract: ₹20,000 per eye per policy year for sum insured up to ₹5 lakh; ₹1 lakh per eye per policy year for sum insured above ₹5 lakh.

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

Complete Health Insurance Health Protect Plus Plan

10,896+ hospitals across india 

VS

Smart Super Health

The policy provides access to over 10,000+ network hospitals, ensuring cashless treatment at recognized healthcare facilities​.

Restoration Benefit

Complete Health Insurance Health Protect Plus Plan

Reset Benefit restores up to 100% of sum insured once per policy year, subject to policy conditions; it does not trigger on the first claim.

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

Complete Health Insurance Health Protect Plus Plan

Covered under the policy. 

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

Complete Health Insurance Health Protect Plus Plan

10% of annual sum insured per claim-free year, up to 50%; a claim can reduce accrued bonus by 10% of annual sum insured at renewal.

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

Complete Health Insurance Health Protect Plus Plan

Covered under this policy

VS

Smart Super Health

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

Consumable Cover

Complete Health Insurance Health Protect Plus Plan

No separate consumables benefit verified in the available plan-specific information.

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

Complete Health Insurance Health Protect Plus Plan

30 days for illnesses; injury-related hospitalisation is excepted.

VS

Smart Super Health

30 days from inception, except for accidents

Specific Waiting Period

Complete Health Insurance Health Protect Plus Plan

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

Complete Health Insurance Health Protect Plus Plan

24 months of continuous coverage.

VS

Smart Super Health

48 months (clause 6.1.3)

Modern Treatment

Complete Health Insurance Health Protect Plus Plan

Not verified in the available Health Protect Plus Key Information Sheet.

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

Complete Health Insurance Health Protect Plus Plan

Free health-check-up coupon each policy year, subject to a maximum of 2 coupons annually for floater policies.

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

Complete Health Insurance Health Protect Plus Plan

Up to 30 days.

VS

Smart Super Health

Up to 60 days before admission, within the sum insured

Post-Hospitalisation

Complete Health Insurance Health Protect Plus Plan

Up to 60 days.

VS

Smart Super Health

Up to 90 days after discharge, within the sum insured

Outpatient Department Cover (OPD Expense)

Complete Health Insurance Health Protect Plus Plan

Included with Wellness & Preventive Healthcare within a combined ₹5,000 floater limit.

VS

Smart Super Health

Up to 90 days after discharge, within the sum insured

Deductible Option

Complete Health Insurance Health Protect Plus Plan

Not verified in the available plan-specific information.

VS

Smart Super Health

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

Coverage Options

Complete Health Insurance Health Protect Plus Plan

Individual or floater structure; exact sum insured choices require verification from the applicable schedule.

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

Complete Health Insurance Health Protect Plus Plan

Not verified against a current, comparable insurer-level CSR disclosure.

VS

Smart Super Health

FY 24-25: ~84%

Maternity Cover

Complete Health Insurance Health Protect Plus Plan

Available after 36 months: normal delivery ₹15,000; caesarean delivery ₹25,000; pre- and post-natal expenses ₹2,000 each, subject to eligibility conditions.

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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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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Complete Health Insurance Health Protect Plus Plan Vs Smart Super Health

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