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Insurance Plans Comparison

ICICI Lombard Smart Super Health Assure vs Niva Bupa Health Recharge Super Top Up Plan

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
Niva Bupa

Health Recharge Super Top Up Plan

Get super top-up cover of up to ₹95 lakh above an annual deductible of ₹1 lakh to ₹10 lakh, for inpatient care, all day-care treatments and 60 days before admission plus 90 days after discharge.

What Makes It Special:

A super top-up health insurance plan designed to add substantial cover above an annual aggregate deductible, with eligible Base Sum Insured options up to ₹95 Lakh.

Best For:

  • High coverage for seniors and their families

  • Easy cashless service across hospitals nationwide

  • Covers daycare and hospital treatments

  • Extra add-ons for enhanced protection

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

Niva Bupa Health Recharge Super Top Up Plan

  • Prefer daily coverage for pharmacy & diagnostics

  • Want flexible deductible options for lower premiums

  • Need cashless treatment at large hospital network

  • Prefer 60-day pre & 90-day post-hospital care

  • You want coverage up to ₹95 lakhs

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
Health Recharge Super Top Up Plan
Health Recharge Super Top Up Plan

Health Insurance Plan

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

Health Recharge Super Top Up Plan

Accomodation up to 1% of Base Sum Insured per day is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category

Advanced Treatments

Smart Super Health Assure

Major Organ Transplant (Recipient)

Coronary Artery Bypass Graft Surgery

Stroke

Cancer

Heart Attack

Kidney Failure

VS

Health Recharge Super Top Up Plan

Information Unavailable

ICU Charges

Smart Super Health Assure

Information Unavailable

VS

Health Recharge Super Top Up Plan

No restriction on ICU room rent

Co-payment

Smart Super Health Assure

Not mentioned

VS

Health Recharge Super Top Up Plan

Not Available

Disease-wise sublimits

Smart Super Health Assure

Information Unavailable

VS

Health Recharge Super Top Up Plan

No

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

Health Recharge Super Top Up Plan

Information Unavailable

Cashless Healthcare Providers

Smart Super Health Assure

6,500 network hospitals

VS

Health Recharge Super Top Up Plan

Information Unavailable

Restoration Benefit

Smart Super Health Assure

Information Unavailable

VS

Health Recharge Super Top Up Plan

Not Available

Daycare Treatment

Smart Super Health Assure

Not Applicable

VS

Health Recharge Super Top Up Plan

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Cumulative Bonus

Smart Super Health Assure

Information Unavailable

VS

Health Recharge Super Top Up Plan

Your sum insured increases by 5% every year, maximum up to 50%

AYUSH Treatment

Smart Super Health Assure

Not Mentioned

VS

Health Recharge Super Top Up Plan

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Consumable Cover

Smart Super Health Assure

Information Unavailable

VS

Health Recharge Super Top Up Plan

Yes

Initial Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Health Recharge Super Top Up Plan

30 days.

Specific Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Health Recharge Super Top Up Plan

2 years

PED Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Health Recharge Super Top Up Plan

3 years

Modern Treatment

Smart Super Health Assure

Information Unavailable

VS

Health Recharge Super Top Up Plan

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Smart Super Health Assure

Information Unavailable

VS

Health Recharge Super Top Up Plan

Not Available

Pre-Hospitalisation

Smart Super Health Assure

Information Unavailable

VS

Health Recharge Super Top Up Plan

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Smart Super Health Assure

Information Unavailable

VS

Health Recharge Super Top Up Plan

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Smart Super Health Assure

Information Unavailable

VS

Health Recharge Super Top Up Plan

OPD expenses are covered

Deductible Option

Smart Super Health Assure

Information Unavailable

VS

Health Recharge Super Top Up Plan

Available

Coverage Options

Smart Super Health Assure

Information Unavailable

VS

Health Recharge Super Top Up Plan

Available coverage options: ₹2L, 3L, 4L, 5L, 7.5L, 10L, 15L, 25L, 40L, 45L, 65L, 70L, 90L, 95L.

Claim Settlement Ratio

Smart Super Health Assure

Information Unavailable

VS

Health Recharge Super Top Up Plan

92.02%

Maternity Cover

Smart Super Health Assure

Information Unavailable

VS

Health Recharge Super Top Up Plan

Not Available

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

End-to-End Support

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

Zero Spam. Zero Hassle

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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Smart Super Health Assure Vs Health Recharge Super Top Up Plan

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