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Insurance Plans Comparison

ICICI Lombard Smart Super Health Assure vs Star Medi Classic Gold

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
Star

Medi Classic Gold

Stay in a private single air-conditioned room, restore 200% of the basic sum insured once for an unrelated illness, and add a further 100% super restoration once for a later hospitalisation, even for the same illness.

What Makes It Special:

An individual health insurance plan with hospitalisation coverage and additional benefits, including restoration, domiciliary treatment, organ donor expenses, newborn baby hospitalisation, tele-consultation and home care treatment, subject to applicable policy terms, limits and exclusions.

Best For:

  • Individuals interested in tele-consultation and home care treatment benefits.

  • Customers looking for organ donor and domiciliary treatment coverage.

  • Individuals seeking Private Single AC Room eligibility under applicable Sum Insured options.

  • Customers looking for restoration benefits subject to policy conditions.

  • Individuals seeking individual hospitalisation coverage.

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

ICICI Lombard Smart Super Health Assure

Not available

Star Medi Classic Gold

  • Review exclusions and waiting periods before purchasing the policy.

  • Understand the conditions governing automatic restoration and Super Restoration.

  • Check newborn baby coverage conditions and applicable limits.

  • Review treatment-specific limits, including modern treatment limits.

  • Check room-rent eligibility based on the selected Sum Insured.

  • Review the 10% co-payment applicable to insured persons whose entry age is 61 years or above.

  • Check the 24-month waiting period for specified diseases and procedures.

  • Review the 36-month waiting period for pre-existing diseases.

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
Medi Classic Gold
Medi Classic Gold

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

Medi Classic Gold

Under the Gold Plan, the room-rent limit depends on the selected Sum Insured. The reviewed product information indicates a limit of up to ₹5,000 per day for ₹3 lakh and ₹4 lakh Sum Insured options, and Private Single AC Room eligibility for Sum Insured options from ₹5 lakh to ₹25 lakh. Verify against the current policy wording.


Advanced Treatments

Smart Super Health Assure

Major Organ Transplant (Recipient)

Coronary Artery Bypass Graft Surgery

Stroke

Cancer

Heart Attack

Kidney Failure

VS

Medi Classic Gold

Information Unavailable

ICU Charges

Smart Super Health Assure

Information Unavailable

VS

Medi Classic Gold

Covered subject to applicable policy terms and limits. Confirm the exact limit in the current policy wording.


Co-payment

Smart Super Health Assure

Not mentioned

VS

Medi Classic Gold

A 10% co-payment applies to insured persons whose entry age is 61 years or above, subject to policy terms.


Disease-wise sublimits

Smart Super Health Assure

Information Unavailable

VS

Medi Classic Gold

Specific limits may apply to certain treatments and benefits, including modern treatments and cataract treatment. Refer to the current policy wording for applicable 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

Medi Classic Gold

Information Unavailable

Cashless Healthcare Providers

Smart Super Health Assure

6,500 network hospitals

VS

Medi Classic Gold

Cashless treatment is available at eligible network hospitals, subject to pre-authorisation, hospital participation and policy conditions.


Restoration Benefit

Smart Super Health Assure

Information Unavailable

VS

Medi Classic Gold

The Gold Plan is reported to include automatic restoration of the Basic Sum Insured by 200% once during the policy period, along with a separate Super Restoration benefit of an additional 100% of the Basic Sum Insured once for subsequent hospitalisation. Confirm the triggering conditions, usage rules and restrictions in the current policy wording.

Daycare Treatment

Smart Super Health Assure

Not Applicable

VS

Medi Classic Gold

Eligible daycare procedures are covered, subject to policy terms and applicable limits.


Cumulative Bonus

Smart Super Health Assure

Information Unavailable

VS

Medi Classic Gold

Available under the Gold Plan, subject to claim-free-year rules and applicable limits. Confirm the precise increment and reduction conditions against the current policy wording.


AYUSH Treatment

Smart Super Health Assure

Not Mentioned

VS

Medi Classic Gold

Eligible inpatient AYUSH treatment is covered up to the Basic Sum Insured, subject to policy terms and conditions.

Consumable Cover

Smart Super Health Assure

Information Unavailable

VS

Medi Classic Gold

Not established from the reviewed source. Verify whether consumables are covered under the base policy or an optional benefit.


Initial Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Medi Classic Gold

30 days for illnesses from the first policy commencement date, except covered accident claims, subject to policy terms

Specific Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Medi Classic Gold

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

PED Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Medi Classic Gold

36 months of continuous coverage, subject to policy terms and acceptance of the pre-existing disease.

Modern Treatment

Smart Super Health Assure

Information Unavailable

VS

Medi Classic Gold

Covered subject to applicable policy limits and policy terms.


Annual Health Checkup

Smart Super Health Assure

Information Unavailable

VS

Medi Classic Gold

Preventive health check-up is available at network providers, subject to the applicable Sum Insured, package limits and policy conditions. Confirm the exact benefit limit before publication.


Pre-Hospitalisation

Smart Super Health Assure

Information Unavailable

VS

Medi Classic Gold

Up to 30 days before hospitalisation, subject to policy terms.

Post-Hospitalisation

Smart Super Health Assure

Information Unavailable

VS

Medi Classic Gold

Up to 60 days after discharge under the Gold Plan, subject to policy terms.


Outpatient Department Cover (OPD Expense)

Smart Super Health Assure

Information Unavailable

VS

Medi Classic Gold

Routine OPD coverage is not established from the reviewed source. Tele-consultation is listed separately as a benefit.


Deductible Option

Smart Super Health Assure

Information Unavailable

VS

Medi Classic Gold

Not established from the reviewed source. Verify the policy wording and schedule before publishing.


Coverage Options

Smart Super Health Assure

Information Unavailable

VS

Medi Classic Gold

Gold Plan Sum Insured options are reported as ₹3 lakh, ₹4 lakh, ₹5 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh and ₹25 lakh. Confirm current availability against the latest product document.


Claim Settlement Ratio

Smart Super Health Assure

Information Unavailable

VS

Medi Classic Gold

Not verified for this specific product variant. Do not publish a numerical ratio without a reliable, dated source.


Maternity Cover

Smart Super Health Assure

Information Unavailable

VS

Medi Classic Gold

Maternity expenses are excluded, subject to any specific exception stated in the applicable policy wording.

Insurance Plans Comparison

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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

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Insurance Plans Comparison

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Frequently Asked Questions (FAQs)

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