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Insurance Plans Comparison

ICICI Lombard Smart Super Health Assure vs Star Super Star

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

Super Star

Restore up to 100% of the sum insured unlimited times for later hospital stays, lock your entry-age premium until an inpatient, day-care or AYUSH claim or age 55, and stay in any room.

What Makes It Special:

Super Star is a highly customizable health insurance plan with broad hospitalisation coverage, unlimited restoration and flexible optional benefits. The product supports individual, floater and multi-individual structures and includes Freeze Your Age, wellness rewards, premium waiver and optional maternity and newborn covers

Best For:

  • Buyers who want extensive optional cover choices

  • Customers looking for any-room eligibility

  • Customers interested in unlimited restoration

  • Families wanting flexible floater options

  • Individuals seeking broad health coverage

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 Super Star

Not available

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
Super Star
Super Star

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

Super Star

Any Room


Advanced Treatments

Smart Super Health Assure

Major Organ Transplant (Recipient)

Coronary Artery Bypass Graft Surgery

Stroke

Cancer

Heart Attack

Kidney Failure

VS

Super Star

Information Unavailable

ICU Charges

Smart Super Health Assure

Information Unavailable

VS

Super Star

Covered up to Sum Insured

Co-payment

Smart Super Health Assure

Not mentioned

VS

Super Star

No mandatory co-payment; voluntary options available


Disease-wise sublimits

Smart Super Health Assure

Information Unavailable

VS

Super Star

Applicable treatment-specific 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

Super Star

Information Unavailable

Cashless Healthcare Providers

Smart Super Health Assure

6,500 network hospitals

VS

Super Star

Cashless treatment through network hospitals

Restoration Benefit

Smart Super Health Assure

Information Unavailable

VS

Super Star

Automatic restoration up to 100%, unlimited number of times

Daycare Treatment

Smart Super Health Assure

Not Applicable

VS

Super Star

All daycare procedures covered


Cumulative Bonus

Smart Super Health Assure

Information Unavailable

VS

Super Star

50% of Sum Insured for each claim-free year, up to 100%


AYUSH Treatment

Smart Super Health Assure

Not Mentioned

VS

Super Star

Covered up to Sum Insured

Consumable Cover

Smart Super Health Assure

Information Unavailable

VS

Super Star

Available subject to selected cover

Initial Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Super Star

30 Days

Specific Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Super Star

24 Months

PED Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Super Star

36 Months

Modern Treatment

Smart Super Health Assure

Information Unavailable

VS

Super Star

Covered up to Sum Insured


Annual Health Checkup

Smart Super Health Assure

Information Unavailable

VS

Super Star

Available subject to policy terms


Pre-Hospitalisation

Smart Super Health Assure

Information Unavailable

VS

Super Star

Up to 90 Days

Post-Hospitalisation

Smart Super Health Assure

Information Unavailable

VS

Super Star

Up to 180 Days

Outpatient Department Cover (OPD Expense)

Smart Super Health Assure

Information Unavailable

VS

Super Star

Not a standard base OPD benefit

Deductible Option

Smart Super Health Assure

Information Unavailable

VS

Super Star

Optional aggregate deductible available

Coverage Options

Smart Super Health Assure

Information Unavailable

VS

Super Star

₹5 Lakh to ₹1 Crore and Unlimited Sum Insured under the applicable option

Claim Settlement Ratio

Smart Super Health Assure

Information Unavailable

VS

Super Star

Not specified

Maternity Cover

Smart Super Health Assure

Information Unavailable

VS

Super Star

Available through optional covers


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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