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Insurance Plans Comparison

ICICI Lombard Smart Super Health Assure vs TATA AIG Elder 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
TATA AIG

Elder Care

Cover hospital care from age 61, then a home nurse for up to 7 days after surgery, up to 10 physiotherapy sessions after a stroke, paralysis or joint replacement, and a caregiver for up to 14 days.

What Makes It Special:

A senior citizen health insurance plan designed for individuals aged 61 years and above, with hospitalisation coverage and specialised elderly-care support services.

Best For:

  • Individuals seeking health coverage for age-related healthcare needs.

  • Seniors looking for wellness services and teleconsultation support.

  • People who may need home-care support after hospitalisation.

  • Retired individuals looking for health insurance coverage.

  • Senior citizens aged 61 years and above.

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

TATA AIG Elder Care

  • Check the room eligibility and waiting periods carefully, especially the 48-month waiting period for joint replacement surgeries.

  • Review the mandatory 20% co-payment and the optional Co-Payment Waiver Add-On before choosing the plan.

  • Home Care Treatment Cover is available for specified illnesses and procedures, up to 10% of the Sum Insured.

  • The plan includes elderly-care services such as home nursing, home physiotherapy and compassionate care, subject to eligibility.

  • Consider this plan if you are looking for health insurance designed specifically for senior citizens.

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
Elder Care
Elder 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

Elder Care

Single Private Room. Choosing a room category outside the permitted eligibility may affect claim settlement as per policy terms.

Advanced Treatments

Smart Super Health Assure

Major Organ Transplant (Recipient)

Coronary Artery Bypass Graft Surgery

Stroke

Cancer

Heart Attack

Kidney Failure

VS

Elder Care

Information Unavailable

ICU Charges

Smart Super Health Assure

Information Unavailable

VS

Elder Care

Not separately specified in the supplied brochure. In-Patient Treatment is covered up to the Sum Insured.


Co-payment

Smart Super Health Assure

Not mentioned

VS

Elder Care

Mandatory 20% co-payment applies to admissible claims. An optional Co-Payment Waiver Add-On is available.

Disease-wise sublimits

Smart Super Health Assure

Information Unavailable

VS

Elder Care

Specific disease-wise sublimits are not fully detailed in the available product reference. Verify from the policy wording.

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

Elder Care

Information Unavailable

Cashless Healthcare Providers

Smart Super Health Assure

6,500 network hospitals

VS

Elder Care

Cashless treatment is available through the insurer's network hospitals, subject to pre-authorisation and policy terms.

Restoration Benefit

Smart Super Health Assure

Information Unavailable

VS

Elder Care

Not specifically mentioned in the available product reference.

Daycare Treatment

Smart Super Health Assure

Not Applicable

VS

Elder Care

Covered up to the Sum Insured, subject to policy terms.

Cumulative Bonus

Smart Super Health Assure

Information Unavailable

VS

Elder Care

10% increase for every claim-free year, up to a maximum of 100% of the Sum Insured. Alternatively, No Claim Discount in premium can be opted for instead of Cumulative Bonus.


AYUSH Treatment

Smart Super Health Assure

Not Mentioned

VS

Elder Care

Covered up to the Sum Insured, subject to policy terms.

Consumable Cover

Smart Super Health Assure

Information Unavailable

VS

Elder Care

Consumables benefit is included, subject to applicable policy terms and conditions.

Initial Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Elder Care

30 days, subject to applicable policy terms and exceptions.

Specific Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Elder Care

24 months for specified diseases and procedures. Joint replacement surgeries have a 48-month waiting period.

PED Waiting Period

Smart Super Health Assure

Information Unavailable

VS

Elder Care

24 months for pre-existing diseases disclosed and accepted by the insurer.

Modern Treatment

Smart Super Health Assure

Information Unavailable

VS

Elder Care

Not specified in the supplied brochure

Annual Health Checkup

Smart Super Health Assure

Information Unavailable

VS

Elder Care

Preventive health consultations are available. Exact check-up limits should be verified from the policy wording.

Pre-Hospitalisation

Smart Super Health Assure

Information Unavailable

VS

Elder Care

Covered for up to 30 days before hospitalisation, subject to policy terms.

Post-Hospitalisation

Smart Super Health Assure

Information Unavailable

VS

Elder Care

Post-hospitalisation support includes eligible home nursing, physiotherapy and compassionate care services, subject to policy conditions.

Outpatient Department Cover (OPD Expense)

Smart Super Health Assure

Information Unavailable

VS

Elder Care

High-end diagnostic tests are covered up to ₹20,000 per policy year, subject to policy terms.

Deductible Option

Smart Super Health Assure

Information Unavailable

VS

Elder Care

Not specifically mentioned in the available product reference.

Coverage Options

Smart Super Health Assure

Information Unavailable

VS

Elder Care

Sum Insured options include ₹5 lakh, ₹10 lakh and ₹25 lakh, subject to availability under the applicable policy.

Claim Settlement Ratio

Smart Super Health Assure

Information Unavailable

VS

Elder Care

Not mentioned in the available product reference.

Maternity Cover

Smart Super Health Assure

Information Unavailable

VS

Elder Care

Not specifically mentioned in the available product reference.

Insurance Plans Comparison

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Why Choose Our Expert Consultation?

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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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