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Insurance Plans Comparison

ICICI Lombard Smart Super Health vs Magma OneHealth Premium

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
Magma

OneHealth Premium

Comprehensive Health Insurance with Hospitalisation, Daycare and Reload Benefits

What Makes It Special:

Health insurance plan with hospitalisation cover, 405 daycare procedures, cumulative bonus, reload of Sum Insured, pre and post-hospitalisation cover, emergency road ambulance and access to 6,100+ cashless network hospitals.

Best For:

  • Customers who prefer access to a large cashless hospital network

  • Customers who want cumulative bonus and reload benefits

  • Customers looking for multiple Sum Insured options

  • Families looking for individual or family floater coverage

  • Individuals looking for hospitalisation-focused health insurance

Insurance Plans Comparison

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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

  • 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.

Magma OneHealth Premium

  • Buyers should consider the waiting periods, sub-limits, co-payment conditions and exclusions before choosing the plan.

  • Includes reload of Sum Insured from the first claim, subject to policy terms

  • Provides cumulative bonus of 10% for every claim-free year, up to 50%

  • Offers Sum Insured options from ₹2 lakh to ₹10 lakh under the Elite plan

  • Covers inpatient hospitalisation, daycare, pre and post-hospitalisation expenses

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
OneHealth Premium
OneHealth Premium

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Smart Super Health

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

OneHealth Premium

Up to 1% of Sum Insured or ₹5,000 per Day

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

OneHealth Premium

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

OneHealth Premium

Up to 2% of Sum Insured or ₹6,000 per Day

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

OneHealth Premium

10% in Applicable Circumstances

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

OneHealth Premium

Specific Disease-wise Sublimits Apply

Cashless Healthcare Providers

Smart Super Health

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

VS

OneHealth Premium

6,100+ Network Hospitals

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

OneHealth Premium

Reload Available from the First Claim

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

OneHealth Premium

405 Daycare Procedures Covered

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

OneHealth Premium

10% per Claim-Free Year, Up to 50%

AYUSH Treatment

Smart Super Health

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

VS

OneHealth Premium

Not Specifically Mentioned in the Brochure

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

OneHealth Premium

Available Through Optional Cover

Initial Waiting Period

Smart Super Health

30 days from inception, except for accidents

VS

OneHealth Premium

30 Days

Specific Waiting Period

Smart Super Health

2 years for listed illnesses and procedures (clause 6.1.2)

VS

OneHealth Premium

2 Years for Specified Procedures

PED Waiting Period

Smart Super Health

48 months (clause 6.1.3)

VS

OneHealth Premium

3 Years

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

OneHealth Premium

Not Specifically Mentioned in the Brochure

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

OneHealth Premium

Available After 2 Continuous Claim-Free Renewals

Pre-Hospitalisation

Smart Super Health

Up to 60 days before admission, within the sum insured

VS

OneHealth Premium

Covered for Up to 30 Days

Post-Hospitalisation

Smart Super Health

Up to 90 days after discharge, within the sum insured

VS

OneHealth Premium

Covered for Up to 45 Days

Outpatient Department Cover (OPD Expense)

Smart Super Health

Up to 90 days after discharge, within the sum insured

VS

OneHealth Premium

Not Covered as a Base Benefit

Deductible Option

Smart Super Health

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

VS

OneHealth Premium

Not Specified in the Brochure

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

OneHealth Premium

Sum Insured Options from ₹2 Lakh to ₹10 Lakh

Claim Settlement Ratio

Smart Super Health

FY 24-25: ~84%

VS

OneHealth Premium

Not Specified in the Brochure

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

OneHealth Premium

Not Covered Except Ectopic Pregnancy

Insurance Plans Comparison

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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)

Having questions? We've got answers. Explore our FAQs to find the information you need.

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