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Insurance Plans Comparison

ICICI Lombard Smart Super Health vs HDFC ERGO Critical Illness Silver Plan

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

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

VS
HDFC ERGO

Critical Illness Silver Plan

Affordable lump-sum cover for 8 major critical illnesses

What Makes It Special:

The Silver Plan pays the sum insured as a single lump sum on first diagnosis of any one of 8 listed critical illnesses after the chosen survival period of 15 or 30 days, and at every age band and sum insured its premium is lower than the Platinum Plan's, which...

Best For:

  • Buyers topping up an existing critical illness benefit from an employer or a life insurer with additional standalone cover

  • Younger applicants looking to start critical illness cover early, since entry is permitted from 5 years of age

  • Buyers who already hold a hospitalisation policy and want a separate lump sum for income loss and non-medical costs

  • Buyers whose main concern is the four most common critical illness categories — heart, cancer, stroke and kidney failure

  • Buyers who want critical illness cover at the lowest premium within this product and accept a shorter list of covered conditions

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

  • 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.

  • Set the sum insured against the income and costs you would need to replace during treatment rather than against expected hospital bills, because the payout is a fixed benefit and not a reimbursement.

  • Pre-existing conditions carry a 48-month waiting period, so if you have a declared condition, weigh whether the Silver Plan's lower premium still meets your need over that delay.

  • The benefit is payable once, so treat this as a supplement to a hospitalisation policy and not a substitute for one.

  • The plan pays only on first diagnosis of a listed condition as defined in the policy, so read the severity thresholds on heart attack, cancer and stroke before assuming a diagnosis will qualify.

  • Compare the 8-illness list against the Platinum Plan's 15 before choosing, since the Silver Plan excludes Parkinson's disease, Alzheimer's disease, benign brain tumour, end-stage liver failure, surgery of aorta, primary pulmonary hypertension and heart valve replacement or repair.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Smart Super Health
Smart Super Health

Health Insurance Plan

VS
Critical Illness Silver Plan
Critical Illness Silver Plan

Health Insurance Plan

Room Rent

Smart Super Health

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

Critical Illness Silver Plan

Not applicable.

Advanced Treatments

Smart Super Health

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

     

  5. Intra-operative neuro monitoring (IONM)
VS

Critical Illness Silver Plan

Information Unavailable

ICU Charges

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.

VS

Critical Illness Silver Plan

Not applicable — hospitalisation expenses are not indemnified under this policy

Co-payment

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.

VS

Critical Illness Silver Plan

Not applicable

Disease-wise sublimits

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.

VS

Critical Illness Silver Plan

Not applicable.

Cashless Healthcare Providers

Smart Super Health

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

VS

Critical Illness Silver Plan

16,000 cashless healthcare providers (insurer-level, as of August 2025). Cashless hospitalisation is not the mechanism of this policy, which pays a lump sum on diagnosis

Restoration Benefit

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.

VS

Critical Illness Silver Plan

Not applicable — the benefit is payable once, on first diagnosis

Daycare Treatment

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​.

VS

Critical Illness Silver Plan

Not applicable

Cumulative Bonus

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).

VS

Critical Illness Silver Plan

Not specified

AYUSH Treatment

Smart Super Health

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

VS

Critical Illness Silver Plan

Not applicable

Consumable Cover

Smart Super Health

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

VS

Critical Illness Silver Plan

Not applicable.

Initial Waiting Period

Smart Super Health

30 days from inception, except for accidents

VS

Critical Illness Silver Plan

90 days

Specific Waiting Period

Smart Super Health

2 years for listed illnesses and procedures (clause 6.1.2)

VS

Critical Illness Silver Plan

Not specified.

PED Waiting Period

Smart Super Health

48 months (clause 6.1.3)

VS

Critical Illness Silver Plan

48 months for all pre-existing conditions declared and/or accepted at application

Modern Treatment

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.

VS

Critical Illness Silver Plan

Not applicable — this is a fixed-benefit policy paying a lump sum, not an indemnity cover for treatment costs

Annual Health Checkup

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).

VS

Critical Illness Silver Plan

Not specified. A pre-policy medical check may be required based on age and sum insured; 50% of standard medical test charges is reimbursed if conducted at an empanelled diagnostic centre, subject to acceptance of the proposal and policy issuance

Pre-Hospitalisation

Smart Super Health

Up to 60 days before admission, within the sum insured

VS

Critical Illness Silver Plan

Not applicable

Post-Hospitalisation

Smart Super Health

Up to 90 days after discharge, within the sum insured

VS

Critical Illness Silver Plan

Not applicable

Outpatient Department Cover (OPD Expense)

Smart Super Health

Up to 90 days after discharge, within the sum insured

VS

Critical Illness Silver Plan

Not applicable

Deductible Option

Smart Super Health

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

VS

Critical Illness Silver Plan

Not applicable

Coverage Options

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.

VS

Critical Illness Silver Plan

Not specified — cover is written per insured person; no individual/floater structure is stated

Claim Settlement Ratio

Smart Super Health

FY 24-25: ~84%

VS

Critical Illness Silver Plan

97% approximately

Maternity Cover

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.

VS

Critical Illness Silver Plan

Not covered.

Insurance Plans Comparison

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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

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  • 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)

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