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Insurance Plans Comparison

Care Supreme Senior Premium vs ICICI Lombard Smart Super Health

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Care

Supreme Senior Premium

Senior-focused health insurance with unlimited automatic recharge and cumulative bonus benefits.

What Makes It Special:

Care Supreme Senior Premium is designed for senior citizens aged 61 years and above, including customers managing multiple health conditions such as diabetes, hypertension or high BMI, subject to underwriting and eligibility requirements. It offers hospitalisation coverage up to the selected sum insured, unlimited automatic recharge for subsequent claims, cumulative...

Best For:

  • Buyers who value cumulative bonus growth and the possibility of renewal premium discounts through the wellness benefit.

  • Families seeking senior-focused coverage with individual or family floater options, subject to eligible relationships and member limits.

  • Customers looking for additional coverage through unlimited automatic recharge for multiple hospitalisation claims.

  • Older adults managing multiple co-morbidities, such as diabetes or hypertension, subject to underwriting and eligibility.

  • Senior citizens aged 61 years and above seeking health insurance with no upper adult entry-age limit.

VS
ICICI Lombard

Smart Super Health

Restore up to 100% of the sum insured once in a policy year for a new illness after the cover is exhausted, with 60 days of pre-hospitalisation, 90 days after discharge and inpatient AYUSH treatment.

What Makes It Special:

Smart Super Health is an ICICI Lombard floater offered in Value, Classic and Uber variants, with sum insured options from ₹5 lakh to ₹1 crore. It covers in-patient hospitalisation, daycare, AYUSH and domiciliary treatment, with optional add-ons for maternity, critical illness and hospital cash.

Best For:

  • Buyers who may add maternity, critical illness or hospital cash cover later

  • Buyers who want restoration of the sum insured for a new illness in the same year

  • Buyers who need air ambulance cover within India, on the Uber variant

  • Buyers who want domiciliary treatment cover

  • Families who want a hospitalisation floater with a choice of three variants

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

Care Supreme Senior Premium

  • Check the availability, cost and terms of optional benefits, including air ambulance, wellness, annual health check-ups and relevant add-ons. Renewal discounts depend on meeting the prescribed Healthy Days criteria.

  • Senior Premium has no specified treatment sub-limits in the plan comparison, unlike Senior Super. Confirm the final policy terms and any other applicable limits or exclusions.

  • The standard room category is the most economical single private AC room. Check whether the optional Room Rent Modification benefit is selected and what room eligibility it provides.

  • Pre-existing medical condition: The stated PED waiting period is 48 months. Disclose medical history accurately and confirm underwriting acceptance, exclusions and any applicable terms.

  • Co-payment on claims:tThe standard configuration has a 20% co-payment on all claims. Review the applicable option and its effect on out-of-pocket expenses before purchasing.

ICICI Lombard Smart Super Health

  • Confirm the variant’s sum insured and feature list on the current policy schedule, since the wording reviewed is from around 2018 to 2019.

  • Confirm the co-payment position with ICICI Lombard on 1800 2666 before buying, since a third-party source mentions 20% in some cases.

  • Maternity needs a 3-year term and a 9-month wait, so decide early if you plan a pregnancy.

  • The 48-month PED waiting period is long, so buy early if you have existing conditions.

  • Choose the variant by need: Value is the lowest-cost option, and Uber adds air ambulance, dental and the highest sum insured.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme Senior Premium
Supreme Senior Premium

Health Insurance Plan

Brochure

Policy Wording

VS
Smart Super Health
Smart Super Health

Health Insurance Plan

Room Rent

Supreme Senior Premium

Most economical single private air-conditioned room; optional Room Rent Modification may change eligibility.

VS

Smart Super Health

  1. Normal: Covered Up to Sum Insured
  2. ICU: Covered Up to Sum Insured
ICU Charges

Supreme Senior Premium

No limit specified for ICU charges.

VS

Smart Super Health

Covered within the sum insured under in-patient treatment. ICU charges are part of the room and ICU charges covered under in-patient treatment.

Advanced Treatments

Supreme Senior Premium

Information Unavailable

VS

Smart Super Health

  1. Robotic surgeries
  2. Stem cell therapy
  3. Deep brain stimulation
  4. Bronchial thermoplasty

     

  5. Intra-operative neuro monitoring (IONM)
Co-payment

Supreme Senior Premium

20% co-payment applies to all claims under the standard configuration; optional benefit may affect this.

VS

Smart Super Health

A co-payment applies in certain cases. If treatment is availed in a higher-tier city while paying a lower-tier premium, a 20% co-payment applies.

Disease-wise sublimits

Supreme Senior Premium

Not applicable under the Senior Premium option, as specified for the comparison with Senior Super.

VS

Smart Super Health

No disease sublimit schedule is listed in the wording. Procedures under the 2-year waiting period apply. Convalescence and outpatient emergency have separate per-policy sub-limits.

Restoration Benefit

Supreme Senior Premium

Unlimited automatic recharge for subsequent claims, including the same or unrelated illnesses, subject to policy terms.

VS

Smart Super Health

Restores up to 100% of the sum insured once per policy year, when the sum insured and bonus are exhausted. Restoration applies only to a new illness, not one already claimed in that year. Unused restoration does not carry forward. It does not apply to add-ons.

Cashless Healthcare Providers

Supreme Senior Premium

11000+ network hospitals

VS

Smart Super Health

The policy provides access to over 10,000+ network hospitals, ensuring cashless treatment at recognized healthcare facilities​.

Daycare Treatment

Supreme Senior Premium

Covered up to the sum insured, subject to policy terms.

VS

Smart Super Health

Covers all day care procedures requiring hospitalization of less than 24 hours. Treatments such as cataract surgery, chemotherapy, and minor surgical procedures are included​.

Cumulative Bonus

Supreme Senior Premium

50% of sum insured added on renewal, up to 100% of sum insured. Not affected by claims.

VS

Smart Super Health

Under age 45 at first policy inception: 50% of the expiring sum insured per year, up to 100% of the current sum insured. Age 45 to 65: 20% per year, up to 100%. A claim reduces the bonus proportionately in the following year (Appendix III).

AYUSH Treatment

Supreme Senior Premium

Covered up to the sum insured, subject to policy terms.

VS

Smart Super Health

Alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) are covered.

Consumable Cover

Supreme Senior Premium

Not specified.

VS

Smart Super Health

Non-medical items such as toiletries, gloves and cotton are not payable. Prescribed medicines and certain items are payable (Appendix IV).

Initial Waiting Period

Supreme Senior Premium

30 days; accidental hospitalisation is exempt.

VS

Smart Super Health

30 days from inception, except for accidents

Specific Waiting Period

Supreme Senior Premium

24 months for named ailments.

VS

Smart Super Health

2 years for listed illnesses and procedures (clause 6.1.2)

PED Waiting Period

Supreme Senior Premium

48 months.

VS

Smart Super Health

48 months (clause 6.1.3)

Modern Treatment

Supreme Senior Premium

Covered up to the sum insured, subject to policy terms.

VS

Smart Super Health

Robotic surgery is excluded (exclusion 36). Other modern treatments are not listed in the wording. Confirm with ICICI Lombard on 1800 2666.

Annual Health Checkup

Supreme Senior Premium

Available as an optional benefit; once a year for all insured members.

VS

Smart Super Health

Available at renewal for insured persons aged 18 and over, through the insurer’s empanelled providers. Basic, extended or comprehensive, depending on variant (Appendix II).

Pre-Hospitalisation

Supreme Senior Premium

60 days.

VS

Smart Super Health

Up to 60 days before admission, within the sum insured

Post-Hospitalisation

Supreme Senior Premium

180 days.

VS

Smart Super Health

Up to 90 days after discharge, within the sum insured

Outpatient Department Cover (OPD Expense)

Supreme Senior Premium

Available through optional Care OPD add-on, subject to limits and co-payments.

VS

Smart Super Health

Up to 90 days after discharge, within the sum insured

Deductible Option

Supreme Senior Premium

Not specified.

VS

Smart Super Health

No deductible option is listed in the wording. Hospital cash has a one-day deductible.

Coverage Options

Supreme Senior Premium

₹7 lakh, ₹10 lakh, ₹15 lakh and ₹25 lakh sum insured options.

VS

Smart Super Health

Value (₹5 lakh and ₹7.5 lakh), Classic (₹10 lakh to ₹20 lakh), Uber (₹20 lakh to ₹1 crore). Optional add-ons are hospital cash, maternity, critical illness and personal accident.

Claim Settlement Ratio

Supreme Senior Premium

99.98% FY 2024-25

VS

Smart Super Health

FY 24-25: ~84%

Maternity Cover

Supreme Senior Premium

Not available.

VS

Smart Super Health

Optional add-on, available only on a 3-year floater term with a 9-month waiting period. Covers up to 2 deliveries or terminations in a lifetime, for insured persons aged 18 to 45. Maternity limits are ₹35,000 to ₹1,00,000 by variant, and newborn cover is ₹25,000 to ₹1,00,000 for the first 90 days.

Insurance Plans Comparison

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Why Choose Our Expert Consultation?

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Talk to experienced advisors at no cost, and make confident decisions

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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.

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