Insurance Plans Comparison
HDFC ERGO Optima Super Secure vs ICICI Lombard Smart Super Health
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreOptima Super Secure
Triple your cover from day one, add up to 100% over two years even after claims, restore 100% of the base sum insured, and cover listed non-medical expenses, together reaching 5X after two years.
What Makes It Special:
Optima Super Secure is designed to increase the effective cover available beyond the selected base sum insured through three key benefits: Secure Benefit, Plus Benefit and Automatic Restore Benefit. Secure Benefit adds 200% of the base sum insured, Plus Benefit increases the base cover by 50% after each completed policy...
Best For:
Customers comparing a high-cover plan with optional aggregate deductible choices and related premium discounts.
Buyers looking for extended pre- and post-hospitalisation expense coverage.
People who value coverage for specified non-medical hospitalisation expenses.
Families considering a shared floater policy with restoration benefits.
Buyers who want a higher effective cover than the base sum insured alone.
VS
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
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Quick Decision Guide
Check the policy schedule for the selected room category and any optional benefits before purchasing.
Confirm the listed non-medical expenses covered by Protect Benefit rather than assuming every consumable or non-medical item is payable.
Review the 30-day initial waiting period, 24-month specified-disease waiting period and 36-month PED waiting period.
Check whether an aggregate deductible is suitable for your budget, because eligible expenses up to the selected deductible must be borne first.
Compare the base sum insured with your likely medical costs and understand how each enhanced-cover benefit is applied.
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
![]() Optima Super Secure Health Insurance Plan VS VS |
![]() Smart Super Health Health Insurance Plan |
| Room Rent |
|---|
Optima Super Secure No room rent capping |
VS VS |
Smart Super Health
|
| Advanced Treatments |
|---|
Optima Super Secure Advanced Technology Methods Covered |
VS VS |
Smart Super Health
|
| ICU Charges |
|---|
Optima Super Secure Covered at actuals, subject to policy terms and the selected room option. |
VS 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. |
| Co-payment |
|---|
Optima Super Secure Not Mentioned |
VS 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 |
|---|
Optima Super Secure No general disease-wise sublimit confirmed from the reviewed plan summary; specific benefit limits, exclusions and policy conditions still apply. |
VS 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. |
| Cashless Healthcare Providers |
|---|
Optima Super Secure 12,000+ Network Hospitals & Healthcare Providers |
VS VS |
Smart Super Health The policy provides access to over 10,000+ network hospitals, ensuring cashless treatment at recognized healthcare facilities. |
| Restoration Benefit |
|---|
Optima Super Secure Automatic Restore adds 100% of base sum insured after eligible partial or complete utilisation, subject to policy conditions. |
VS 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. |
| Daycare Treatment |
|---|
Optima Super Secure Covered |
VS 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 |
|---|
Optima Super Secure No separate standard Cumulative Bonus; Plus Benefit adds 50% of base sum insured per year, up to 100%. |
VS 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 |
|---|
Optima Super Secure Covered |
VS VS |
Smart Super Health Alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) are covered. |
| Consumable Cover |
|---|
Optima Super Secure Built-in Protect Benefit covers listed non-medical expenses, subject to policy terms. |
VS 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 |
|---|
Optima Super Secure 30 days for illnesses; accident-related claims are excepted, subject to terms. |
VS VS |
Smart Super Health 30 days from inception, except for accidents |
| Specific Waiting Period |
|---|
Optima Super Secure 24 months for specified diseases and procedures. |
VS VS |
Smart Super Health 2 years for listed illnesses and procedures (clause 6.1.2) |
| PED Waiting Period |
|---|
Optima Super Secure 36 months, subject to policy terms and any approved modification. |
VS VS |
Smart Super Health 48 months (clause 6.1.3) |
| Modern Treatment |
|---|
Optima Super Secure Listed modern treatments covered, subject to policy terms and exclusions. |
VS 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 |
|---|
Optima Super Secure Available at renewal; limits vary by sum insured and individual/floater policy type. |
VS 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 |
|---|
Optima Super Secure Up to 60 days. |
VS VS |
Smart Super Health Up to 60 days before admission, within the sum insured |
| Post-Hospitalisation |
|---|
Optima Super Secure Up to 180 days. |
VS VS |
Smart Super Health Up to 90 days after discharge, within the sum insured |
| Outpatient Department Cover (OPD Expense) |
|---|
Optima Super Secure General OPD expenses are not verified as a standard benefit; listed e-opinion for critical illnesses is available subject to conditions. |
VS VS |
Smart Super Health Up to 90 days after discharge, within the sum insured |
| Deductible Option |
|---|
Optima Super Secure Optional aggregate deductible; available choices and discounts depend on the sum insured and policy configuration. |
VS VS |
Smart Super Health No deductible option is listed in the wording. Hospital cash has a one-day deductible. |
| Coverage Options |
|---|
Optima Super Secure Individual or family floater; base sum insured from ₹10 lakh to ₹2 crore. |
VS 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 |
|---|
Optima Super Secure FY 2024-25: 97.45% |
VS VS |
Smart Super Health FY 24-25: ~84% |
| Maternity Cover |
|---|
Optima Super Secure Not covered under the base plan, except where an express policy exception applies; do not assume maternity cover is included. |
VS 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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