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Insurance Plans Comparison

ICICI Lombard Smart Super Health Assure vs Star Special Care

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

Special Care

For children and young adults aged 3 to 25 with autism, it covers hospital treatment with a 20% co-pay, pays up to ₹30,000 for seizure hospitalisation in a policy period, and includes outpatient behavioural, physiotherapy, occupational and speech therapy.

What Makes It Special:

Star Special Care is a specialised health insurance policy for children and young adults aged 3 to 25 years who are diagnosed with Autism Spectrum Disorder. It combines hospitalisation and daycare coverage with specified therapy benefits, including behavioural therapy, physiotherapy, occupational therapy and speech therapy

Best For:

  • Individuals requiring specified developmental support therapies

  • Parents looking for therapy-related coverage

  • Families seeking specialised health insurance

  • Young adults with Autism Spectrum Disorder up to age 25

  • Children diagnosed with Autism Spectrum Disorder

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 Special Care

  • The policy can be renewed until the insured reaches 25 years of age.

  • No pre-acceptance medical check-up is required.

  • Specified therapy benefits are available, including outpatient therapy.

  • Hospitalisation and daycare treatments are covered.

  • The product is specifically designed for eligible persons with Autism Spectrum Disorder.

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
Special Care
Special Care

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

Special Care

Up to ₹5,000 per day


Advanced Treatments

Smart Super Health Assure

Major Organ Transplant (Recipient)

Coronary Artery Bypass Graft Surgery

Stroke

Cancer

Heart Attack

Kidney Failure

VS

Special Care

Information Unavailable

ICU Charges

Smart Super Health Assure

Information Unavailable

VS

Special Care

Covered as part of hospitalisation expenses

Co-payment

Smart Super Health Assure

Not mentioned

VS

Special Care

20% on every claim

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

Special Care

Information Unavailable

Cashless Healthcare Providers

Smart Super Health Assure

6,500 network hospitals

VS

Special Care

Cashless treatment available at network hospitals

Restoration Benefit

Smart Super Health Assure

Information Unavailable

VS

Special Care

Not specified

Daycare Treatment

Smart Super Health Assure

Not Applicable

VS

Special Care

All daycare treatments covered

Cumulative Bonus

Smart Super Health Assure

Information Unavailable

VS

Special Care

Not specified

AYUSH Treatment

Smart Super Health Assure

Not Mentioned

VS

Special Care

Covered up to Sum Insured for eligible inpatient treatment

Consumable Cover

Smart Super Health Assure

Information Unavailable

VS

Special Care

Not specified

Initial Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Special Care

30 Days

Specific Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Special Care

24 Months

PED Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Special Care

36 Months

Modern Treatment

Smart Super Health Assure

Information Unavailable

VS

Special Care

Covered subject to applicable limits

Annual Health Checkup

Smart Super Health Assure

Information Unavailable

VS

Special Care

Not Specified

Pre-Hospitalisation

Smart Super Health Assure

Information Unavailable

VS

Special Care

Not specified as a separate benefit

Post-Hospitalisation

Smart Super Health Assure

Information Unavailable

VS

Special Care

Up to 60 Days, based on 7% of hospitalisation expenses or actuals


Outpatient Department Cover (OPD Expense)

Smart Super Health Assure

Information Unavailable

VS

Special Care

Specified outpatient therapies are covered

Deductible Option

Smart Super Health Assure

Information Unavailable

VS

Special Care

Not specified


Coverage Options

Smart Super Health Assure

Information Unavailable

VS

Special Care

₹3 Lakh

Claim Settlement Ratio

Smart Super Health Assure

Information Unavailable

VS

Special Care

Not specified

Maternity Cover

Smart Super Health Assure

Information Unavailable

VS

Special Care

Not applicable

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.

Why Choose Our Expert Consultation?

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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

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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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