How does OneAssure help me compare health insurance policies and choose the best plan?

OneAssure allows you to compare multiple health insurance policies side by side, analyzing coverage, premiums, hospital networks, and benefits to choose the most suitable plan for your needs.

What is the difference between cashless and reimbursement claims in health insurance policies?

Cashless claims let you get treatment at network hospitals without paying upfront, while reimbursement claims require you to pay first and get refunded later.

Does OneAssure provide expert guidance while selecting health insurance with maternity or newborn coverage?

Yes, OneAssure’s insurance experts guide you in selecting plans with maternity benefits, newborn cover, and short waiting periods for family planning needs.

How do co-payment clauses impact health insurance premiums and claim settlements?

Co-payment means you share a part of the claim cost. Opting for co-pay lowers your premium but increases your out-of-pocket expenses.

Which health insurance plan offers the best coverage for critical illnesses and pre-existing diseases?

Plans with comprehensive coverage, minimal waiting periods, and optional critical illness riders are ideal. OneAssure helps identify policies that best meet these requirements.

Can I compare waiting periods and sub-limits for hospitalisation expenses on OneAssure?

Yes, OneAssure’s comparison tool highlights waiting periods, sub-limits, and exclusions so you can choose a policy that maximizes benefits and minimizes restrictions.

What are room rent limits in health insurance, and how do they affect claims?

Room rent limits cap the daily room cost covered by your insurer. Choosing a plan without strict limits ensures higher claim payouts.

Does OneAssure assist with health insurance claims and renewals after I purchase a policy?

Absolutely. OneAssure provides end-to-end support for claims, renewals, and queries, ensuring a hassle-free experience throughout your policy tenure.

How can I check if a health insurance plan covers daycare procedures and modern treatments?

OneAssure’s policy comparison clearly lists daycare and advanced treatment coverage, helping you pick a plan aligned with your healthcare needs.

What documents are needed to buy and claim a health insurance policy online via OneAssure?

To buy a policy, you need ID proof, address proof, and medical details. For claims, hospital bills, prescriptions, and discharge summaries are required.

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Compare Health Insurance Plans

Health Companion Variant 3 Vs Smart Super Health

Insurance Plans Comparison

Niva Bupa Health Companion Variant 3 vs ICICI Lombard Smart Super Health

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare coverage, benefits, and premiums to find the perfect plan for your needs.

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

Health Companion Variant 3

High-cover family health insurance from ₹15 Lakh to ₹1 Crore with any room (except suite), 20% No Claim Bonus and a yearly refill.

What Makes It Special:

A high Sum Insured version of Health Companion (₹15 Lakh to ₹1 Crore) with near-any-room eligibility, a 100% refill and the highest animal-bite vaccination and Hospital Cash limits among Variants 1 to 3.

Best For:

Existing Health Companion customers renewing on the Variant 3 structure
People wanting an optional deductible to reduce premium
Buyers who want a No Claim Bonus of 20% per claim-free year
People who want to choose almost any hospital room
Families wanting a high Sum Insured of ₹15 Lakh or more

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

Niva Bupa Health Companion Variant 3

Things to Consider: Non-payable consumables in Annexure I are not covered, and no consumables add-on is listed for this variant.
Things to Consider: Maternity and OPD consultations are not covered.
Things to Consider: Refill cannot be used for the same illness in the same year.
Things to Consider: Pre-existing diseases are covered only after 36 months.
Things to Consider: Pre and post hospitalisation is limited to 30 and 60 days.
Reasons to Consider: Annual health check-up from the second year and animal-bite vaccination up to ₹7,500.
Reasons to Consider: 100% refill of Base Sum Insured once a year for a different illness.
Reasons to Consider: 20% No Claim Bonus per claim-free year, up to 100% of Base Sum Insured.
Reasons to Consider: Any room covered up to Sum Insured, except Suite or above.
Reasons to Consider: High Sum Insured options from ₹15 Lakh to ₹1 Crore.

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

Health Companion Variant 3

Health Insurance Plan

Brochure

VS

Smart Super Health

Health Insurance Plan

Room Rent
Health Companion Variant 3 Covered up to Sum Insured, any room except Suite or above; proportionate deduction if a higher category is used	Smart Super Health Normal: Covered Up to Sum Insured ICU: Covered Up to Sum Insured

ICU Charges
Health Companion Variant 3 Covered up to Sum Insured as part of In-patient Care	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
Health Companion Variant 3 Information Unavailable	Smart Super Health Robotic surgeries Stem cell therapy Deep brain stimulation Bronchial thermoplasty Intra-operative neuro monitoring (IONM)

Co-payment
Health Companion Variant 3 No co-payment in base plan; 20% co-payment applies only under the legacy "Treatment only in Tiered Network" option (renewal customers who already chose it) for reimbursement treatment in 9 metro cities	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 Companion Variant 3 No disease-wise sublimits stated; benefit limits apply to road ambulance (₹3,000), animal-bite vaccination (₹7,500) and Hospital Cash	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 Companion Variant 3 Cashless at Niva Bupa network hospitals (10,000+ per Niva Bupa Annual Report FY 2024-25; Requires verification for current count)	Smart Super Health The policy provides access to over 10,000+ network hospitals, ensuring cashless treatment at recognized healthcare facilities.

Restoration Benefit
Health Companion Variant 3 Refill up to 100% of Base Sum Insured, once per policy year, for subsequent claims of a different illness only (after Base SI and NCB are exhausted)	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.

Cumulative Bonus
Health Companion Variant 3 No Claim Bonus of 20% of expiring Base Sum Insured per claim-free year, up to 100%; NCB is not increased in a year following a claim	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).

Daycare Treatment
Health Companion Variant 3 Day care treatments (less than 24 hours) covered up to Sum Insured, incl. chemotherapy, radiotherapy and dialysis	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.

Consumable Cover
Health Companion Variant 3 Consumables directly part of treatment (IV fluids, injection administration, medicines) covered under In-patient Care; non-payable items in Annexure I List I not covered; no consumables add-on stated for Variant 3	Smart Super Health Non-medical items such as toiletries, gloves and cotton are not payable. Prescribed medicines and certain items are payable (Appendix IV).

AYUSH Treatment
Health Companion Variant 3 In-patient Ayurveda, Unani, Siddha and Homeopathy in an AYUSH Hospital covered up to Sum Insured	Smart Super Health Alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) are covered.

Initial Waiting Period
Health Companion Variant 3 30 Days (not applicable to accidents)	Smart Super Health 30 days from inception, except for accidents

Specific Waiting Period
Health Companion Variant 3 24 Months for listed conditions (incl. cataract, hernia, joint disorders, chronic kidney disease, internal congenital anomaly); not applicable to accidents; cancer covered after 30 days	Smart Super Health 2 years for listed illnesses and procedures (clause 6.1.2)

PED Waiting Period
Health Companion Variant 3 36 Months	Smart Super Health 48 months (clause 6.1.3)

Modern Treatment
Health Companion Variant 3 Covered up to Sum Insured (12 listed treatments incl. robotic surgery, oral chemotherapy, deep brain stimulation, stem cell therapy for haematological conditions)	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 Companion Variant 3 Annual, from 2nd policy year (on renewal), for insured aged 18+; cashless at empanelled providers; defined test list (CBC, urine, ESR, HbA1c, cholesterol, HDL, LDL, urea, KFT)	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 Companion Variant 3 Up to 30 Days, covered up to Sum Insured (reimbursement basis)	Smart Super Health Up to 60 days before admission, within the sum insured

Post-Hospitalisation
Health Companion Variant 3 Up to 60 Days, covered up to Sum Insured (reimbursement basis)	Smart Super Health Up to 90 days after discharge, within the sum insured

Outpatient Department Cover (OPD Expense)
Health Companion Variant 3 Not covered; only OPD vaccination after an animal bite, up to ₹7,500	Smart Super Health Up to 90 days after discharge, within the sum insured

Deductible Option
Health Companion Variant 3 Optional Annual Aggregate Deductible of ₹1 / 2 / 3 / 4 / 5 / 10 Lakh	Smart Super Health No deductible option is listed in the wording. Hospital cash has a one-day deductible.

Coverage Options
Health Companion Variant 3 Base Sum Insured ₹15 Lakh, 20 Lakh, 30 Lakh, 50 Lakh, 1 Crore; Individual or Family Floater	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 Companion Variant 3 96.7% of claims settled (by number) for Health Companion in FY 2025-26 (all Health Companion UINs reported together). Source: Niva Bupa Public Disclosures FY2025-26 (Form NL-47), https://transactions.nivabupa.com/pages/doc/pub-dis/quarterly-reports/Website-Public-Disclosures-Mar-2026.pdf. Company-level: 94.4% (Niva Bupa Annual Report FY 2025-26)	Smart Super Health FY 24-25: ~84%

Maternity Cover
Health Companion Variant 3 Not covered (Maternity excluded, Code Excl18)	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

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Companion Variant 3

Health Insurance Plan

Brochure

VS

Smart Super Health

Health Insurance Plan

Room Rent
Health Companion Variant 3 Covered up to Sum Insured, any room except Suite or above; proportionate deduction if a higher category is used
VS VS
Smart Super Health Normal: Covered Up to Sum Insured ICU: Covered Up to Sum Insured

ICU Charges
Health Companion Variant 3 Covered up to Sum Insured as part of In-patient Care
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.

Advanced Treatments
Health Companion Variant 3 Information Unavailable
VS VS
Smart Super Health Robotic surgeries Stem cell therapy Deep brain stimulation Bronchial thermoplasty Intra-operative neuro monitoring (IONM)

Co-payment
Health Companion Variant 3 No co-payment in base plan; 20% co-payment applies only under the legacy "Treatment only in Tiered Network" option (renewal customers who already chose it) for reimbursement treatment in 9 metro cities
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
Health Companion Variant 3 No disease-wise sublimits stated; benefit limits apply to road ambulance (₹3,000), animal-bite vaccination (₹7,500) and Hospital Cash
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
Health Companion Variant 3 Cashless at Niva Bupa network hospitals (10,000+ per Niva Bupa Annual Report FY 2024-25; Requires verification for current count)
VS VS
Smart Super Health The policy provides access to over 10,000+ network hospitals, ensuring cashless treatment at recognized healthcare facilities.

Restoration Benefit
Health Companion Variant 3 Refill up to 100% of Base Sum Insured, once per policy year, for subsequent claims of a different illness only (after Base SI and NCB are exhausted)
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.

Cumulative Bonus
Health Companion Variant 3 No Claim Bonus of 20% of expiring Base Sum Insured per claim-free year, up to 100%; NCB is not increased in a year following a claim
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).

Daycare Treatment
Health Companion Variant 3 Day care treatments (less than 24 hours) covered up to Sum Insured, incl. chemotherapy, radiotherapy and dialysis
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.

Consumable Cover
Health Companion Variant 3 Consumables directly part of treatment (IV fluids, injection administration, medicines) covered under In-patient Care; non-payable items in Annexure I List I not covered; no consumables add-on stated for Variant 3
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).

AYUSH Treatment
Health Companion Variant 3 In-patient Ayurveda, Unani, Siddha and Homeopathy in an AYUSH Hospital covered up to Sum Insured
VS VS
Smart Super Health Alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) are covered.

Initial Waiting Period
Health Companion Variant 3 30 Days (not applicable to accidents)
VS VS
Smart Super Health 30 days from inception, except for accidents

Specific Waiting Period
Health Companion Variant 3 24 Months for listed conditions (incl. cataract, hernia, joint disorders, chronic kidney disease, internal congenital anomaly); not applicable to accidents; cancer covered after 30 days
VS VS
Smart Super Health 2 years for listed illnesses and procedures (clause 6.1.2)

PED Waiting Period
Health Companion Variant 3 36 Months
VS VS
Smart Super Health 48 months (clause 6.1.3)

Modern Treatment
Health Companion Variant 3 Covered up to Sum Insured (12 listed treatments incl. robotic surgery, oral chemotherapy, deep brain stimulation, stem cell therapy for haematological conditions)
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
Health Companion Variant 3 Annual, from 2nd policy year (on renewal), for insured aged 18+; cashless at empanelled providers; defined test list (CBC, urine, ESR, HbA1c, cholesterol, HDL, LDL, urea, KFT)
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
Health Companion Variant 3 Up to 30 Days, covered up to Sum Insured (reimbursement basis)
VS VS
Smart Super Health Up to 60 days before admission, within the sum insured

Post-Hospitalisation
Health Companion Variant 3 Up to 60 Days, covered up to Sum Insured (reimbursement basis)
VS VS
Smart Super Health Up to 90 days after discharge, within the sum insured

Outpatient Department Cover (OPD Expense)
Health Companion Variant 3 Not covered; only OPD vaccination after an animal bite, up to ₹7,500
VS VS
Smart Super Health Up to 90 days after discharge, within the sum insured

Deductible Option
Health Companion Variant 3 Optional Annual Aggregate Deductible of ₹1 / 2 / 3 / 4 / 5 / 10 Lakh
VS VS
Smart Super Health No deductible option is listed in the wording. Hospital cash has a one-day deductible.

Coverage Options
Health Companion Variant 3 Base Sum Insured ₹15 Lakh, 20 Lakh, 30 Lakh, 50 Lakh, 1 Crore; Individual or Family Floater
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
Health Companion Variant 3 96.7% of claims settled (by number) for Health Companion in FY 2025-26 (all Health Companion UINs reported together). Source: Niva Bupa Public Disclosures FY2025-26 (Form NL-47), https://transactions.nivabupa.com/pages/doc/pub-dis/quarterly-reports/Website-Public-Disclosures-Mar-2026.pdf. Company-level: 94.4% (Niva Bupa Annual Report FY 2025-26)
VS VS
Smart Super Health FY 24-25: ~84%

Maternity Cover
Health Companion Variant 3 Not covered (Maternity excluded, Code Excl18)
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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Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

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

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

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Health Companion Variant 3 vs Supreme Senior Health AdvantEdge

Health Companion Variant 3 vs Health AdvantEdge

Health Companion Variant 3 vs Supreme Super Saver

Health Companion Variant 3 vs Health Insurance Platinum

Health Companion Variant 3 vs Supreme Senior Premium

Health Companion Variant 3 vs Energy Silver Without Copay

Health Companion Variant 3 vs Ultimate

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Smart Super Health vs Supreme Senior Premium

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Smart Super Health vs Health Companion Variant 2022

Smart Super Health vs Health Companion Variant 3

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Smart Super Health vs Critical Illness Silver Plan

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Smart Super Health vs Health Assurance

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Smart Super Health vs Smart Super Health Assure

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Smart Super Health vs Health Care Supreme Smart

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Smart Super Health vs Health Companion Variant 2

Smart Super Health vs Health Companion Variant 1

Smart Super Health vs Aspire Titanium+

Smart Super Health vs iHealth Plus

Smart Super Health vs Reassure 3.0 Classic

Smart Super Health vs Senior Health Advantage

Smart Super Health vs Health Wallet

Smart Super Health vs Elevate

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Smart Super Health vs Reassure 2.0 Titanium+

Smart Super Health vs Diabetes Safe Plan A

Smart Super Health vs Reassure 2.0 Bronze+

Smart Super Health vs Young Star Silver

Smart Super Health vs Enhance Super Top-up

Smart Super Health vs Joy

Smart Super Health vs Health Elite

Smart Super Health vs Supreme Senior Health AdvantEdge

Smart Super Health vs Health AdvantEdge

Smart Super Health vs Supreme Super Saver

Smart Super Health vs Health Insurance Platinum

Smart Super Health vs Supreme Senior Premium

Smart Super Health vs Energy Silver Without Copay

Smart Super Health vs Ultimate

Smart Super Health vs EquiCover

Smart Super Health vs Optima Secure Global Plus

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