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Insurance Plans Comparison

ICICI Lombard Smart Super Health Assure vs Star Smart Health Pro

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

Smart Health Pro

Customisable online health insurance with high Sum Insured options, restoration, wellness benefits and optional coverage enhancements.

What Makes It Special:

Smart Health Pro is an online health insurance plan built around flexible coverage. It provides hospitalisation, daycare, AYUSH, modern treatment, home care, ambulance and annual health check-up benefits, while optional covers allow customers to modify room eligibility, add consumables, reduce the PED waiting period and increase cumulative bonus.

Best For:

  • Young adults and families seeking flexible health insurance

  • Customers looking for Sum Insured up to ₹1 Crore

  • Customers interested in restoration benefits

  • People seeking extended post-hospitalisation coverage

  • Buyers who want optional coverage customisation

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

Star Smart Health Pro

  • Reasons to Consider: Sum Insured options range from ₹5 Lakh to ₹1 Crore.

  • Reasons to Consider: The base plan provides automatic restoration once during the policy year.

  • Reasons to Consider: Home care and air ambulance benefits are included.

  • Reasons to Consider: Post-hospitalisation expenses are covered for up to 180 days.

  • Reasons to Consider: Optional covers allow additional customisation.

  • Things to Consider: The base PED waiting period is 48 months.

  • Things to Consider: Entry age is limited to the eligibility specified by the product.

  • Things to Consider: Several enhanced benefits require optional covers and additional premium.

  • Things to Consider: The product is available online only.

  • Things to Consider: Room category and consumables options depend on the selected cover.

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
Smart Health Pro
Smart Health Pro

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

Smart Health Pro

Private Single A/C Room; optional room modification available

Advanced Treatments

Smart Super Health Assure

Major Organ Transplant (Recipient)

Coronary Artery Bypass Graft Surgery

Stroke

Cancer

Heart Attack

Kidney Failure

VS

Smart Health Pro

Information Unavailable

ICU Charges

Smart Super Health Assure

Information Unavailable

VS

Smart Health Pro

Covered up to Sum Insured

Co-payment

Smart Super Health Assure

Not mentioned

VS

Smart Health Pro

No standard co-payment specified

Disease-wise sublimits

Smart Super Health Assure

Information Unavailable

VS

Smart Health Pro

Applicable limits may apply

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

Smart Health Pro

Information Unavailable

Cashless Healthcare Providers

Smart Super Health Assure

6,500 network hospitals

VS

Smart Health Pro

Available through Star Health network hospitals

Restoration Benefit

Smart Super Health Assure

Information Unavailable

VS

Smart Health Pro

100% once under base cover; unlimited restoration available as an optional cover

Daycare Treatment

Smart Super Health Assure

Not Applicable

VS

Smart Health Pro

Covered up to Sum Insured

Cumulative Bonus

Smart Super Health Assure

Information Unavailable

VS

Smart Health Pro

50% of Sum Insured for each claim-free year, up to 100%; optional booster up to 600%

AYUSH Treatment

Smart Super Health Assure

Not Mentioned

VS

Smart Health Pro

Covered up to Sum Insured

Consumable Cover

Smart Super Health Assure

Information Unavailable

VS

Smart Health Pro

Optional cover available

Initial Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Smart Health Pro

30 Days, except applicable accident and renewal cases

Specific Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Smart Health Pro

24 Months for specified conditions and procedures

PED Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Smart Health Pro

48 Months under the base plan; optional reduction available

Modern Treatment

Smart Super Health Assure

Information Unavailable

VS

Smart Health Pro

Covered up to Sum Insured

Annual Health Checkup

Smart Super Health Assure

Information Unavailable

VS

Smart Health Pro

Available every policy year, subject to applicable limits

Pre-Hospitalisation

Smart Super Health Assure

Information Unavailable

VS

Smart Health Pro

Up to 60 Days

Post-Hospitalisation

Smart Super Health Assure

Information Unavailable

VS

Smart Health Pro

Up to 180 Days

Outpatient Department Cover (OPD Expense)

Smart Super Health Assure

Information Unavailable

VS

Smart Health Pro

Not a standard OPD benefit

Deductible Option

Smart Super Health Assure

Information Unavailable

VS

Smart Health Pro

Not specified as a standard base deductible

Coverage Options

Smart Super Health Assure

Information Unavailable

VS

Smart Health Pro

₹5 Lakh to ₹1 Crore

Claim Settlement Ratio

Smart Super Health Assure

Information Unavailable

VS

Smart Health Pro

Not specified

Maternity Cover

Smart Super Health Assure

Information Unavailable

VS

Smart Health Pro

Optional maternity-related cover may be selected subject to product terms

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?

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

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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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