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Insurance Plans Comparison

ICICI Lombard Health Shield 360 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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ICICI Lombard

Health Shield 360

Reset up to 100% of the sum insured unlimited times for a later unrelated illness, cover 90 days before hospitalisation and 180 days after, and add a 10% claim-free cumulative bonus up to 100%.

What Makes It Special:

Health Shield 360 by ICICI Lombard is a group health insurance product offering hospitalisation, daycare procedures, inpatient AYUSH treatment and pre- and post-hospitalisation expenses. Its key features include an unlimited reset benefit, a cumulative bonus of up to 100% of the sum insured and optional covers such as OPD, maternity,...

Best For:

  • Customers who value the flexibility to select additional protection, subject to group policy availability.

  • People seeking optional benefits such as OPD consultations, diagnostics or maternity cover.

  • Customers who want to build additional cover through claim-free-year bonuses.

  • Individuals or families looking for hospitalisation and daycare treatment cover.

  • Customers seeking health insurance with an unlimited reset benefit for eligible future claims.

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

  • Understand the reset benefit's restrictions, including its non-availability for the first claim and its annual reset limit.

  • Evaluate optional benefits, including Claim Protector, OPD, maternity and worldwide cover, against their additional premiums and limits.

  • Check the room-category entitlement, as choosing a higher category may lead to proportionate deductions.

  • Review the two-year PED and specified-treatment waiting periods before choosing the plan.

  • Compare the available sum insured with likely hospitalisation costs and your existing health insurance.

  • 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

Health Shield 360
Health Shield 360

Health Insurance Plan

VS
Smart Super Health
Smart Super Health

Health Insurance Plan

Room Rent

Health Shield 360

Normal: No Capping (Covered up to Sum Insured)

ICU: No Capping (Covered up to Sum Insured)

VS

Smart Super Health

  1. Normal: Covered Up to Sum Insured
  2. ICU: Covered Up to Sum Insured
Advanced Treatments

Health Shield 360

Day Care Procedures

Organ Donor Expenses

Home Healthcare (Optional)

Air Ambulance (Optional)

Worldwide Coverage (Optional)

VS

Smart Super Health

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

     

  5. Intra-operative neuro monitoring (IONM)
ICU Charges

Health Shield 360

ICU expenses are covered under eligible hospitalisation claims, subject to the applicable sum insured and any room or ICU restrictions in the policy schedule.

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

Health Shield 360

None (100% claims paid by insurer)

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

Health Shield 360

Disease- or procedure-specific sublimits may apply if the relevant optional sublimit benefit is selected under the policy. The applicable limits are determined by the policy schedule.

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

Health Shield 360

6500+ network hospitals

VS

Smart Super Health

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

Restoration Benefit

Health Shield 360

The Unlimited Reset Benefit can reset up to 100% of the annual sum insured an unlimited number of times in a policy year when the available cover is insufficient after previous claims. The reset does not apply to the first claim, is limited to the annual sum insured, and is subject to reuse conditions and 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.

Daycare Treatment

Health Shield 360

Covered

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

Health Shield 360

An additional sum insured of 10% accrues for each claim-free policy year, up to 100% of the sum insured. A claim can reduce the accrued bonus by 10% of the annual sum insured.

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

Health Shield 360

Covered

VS

Smart Super Health

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

Consumable Cover

Health Shield 360

Non-payable items are not automatically covered under the standard plan. The optional Claim Protector benefit can cover eligible listed items, subject to its terms.

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

Health Shield 360

30 days for illnesses. Hospitalisation due to an accident is exempt from this initial waiting period.

VS

Smart Super Health

30 days from inception, except for accidents

Specific Waiting Period

Health Shield 360

Two years for specified illnesses and treatments. A separate 90-day restriction applies to expenses related to hypertension, diabetes and cardiac conditions, subject to the policy's PED provisions.

VS

Smart Super Health

2 years for listed illnesses and procedures (clause 6.1.2)

PED Waiting Period

Health Shield 360

Two years for declared and accepted pre-existing diseases, subject to the applicable policy terms.

VS

Smart Super Health

48 months (clause 6.1.3)

Modern Treatment

Health Shield 360

Eligible modern medical treatments are covered when they meet the policy's definitions, conditions and exclusions.

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

Health Shield 360

Available as an optional benefit, subject to the selected cover, eligibility, limits and applicable conditions.

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

Health Shield 360

Eligible medical expenses are covered for up to 90 days before hospitalisation.

VS

Smart Super Health

Up to 60 days before admission, within the sum insured

Post-Hospitalisation

Health Shield 360

Eligible medical expenses are covered for up to 180 days after hospitalisation.

VS

Smart Super Health

Up to 90 days after discharge, within the sum insured

Outpatient Department Cover (OPD Expense)

Health Shield 360

Optional reimbursement cover for eligible consultations, pharmacy expenses and diagnostics. Limits are ₹2,000 for ₹5 lakh sum insured, ₹4,000 for ₹10 lakh and ₹7,500 for ₹25 lakh or ₹50 lakh.

VS

Smart Super Health

Up to 90 days after discharge, within the sum insured

Deductible Option

Health Shield 360

A voluntary deductible may be selected where available. It applies to aggregate hospitalisation expenses during the policy year before the insurer becomes liable.

VS

Smart Super Health

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

Coverage Options

Health Shield 360

Individual and family floater options are available, subject to the applicable group policy's eligibility and enrolment conditions.

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

Health Shield 360

FY 24-25: ~84%

VS

Smart Super Health

FY 24-25: ~84%

Maternity Cover

Health Shield 360

Available as an optional benefit for eligible delivery expenses, including caesarean delivery and lawful medical termination of pregnancy. Cover is limited to two deliveries or terminations during the period of insurance, subject to the applicable terms.

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.

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Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

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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

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