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Insurance Plans Comparison

ICICI Lombard Smart Super Health vs Niva Bupa Reassure

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
Niva Bupa

Reassure

Niva Bupa ReAssure Plan No room rent cap, cover that refills from your first paid claim, and Loyalty Additions that can double your Base Sum Insured.

What Makes It Special:

Niva Bupa's ReAssure health insurance plan offers unlimited in-year reinstatement from the first paid claim, Loyalty Additions up to 100% of Base Sum Insured and no room rent capping.

Best For:

  • Customers who value preventive health benefits: Annual health check-ups are available from day one, alongside the Live Healthy renewal discount programme.

  • Long-term policyholders: Loyalty Additions can increase Base Sum Insured by up to 100%.

  • People who prefer room flexibility: The plan has no room rent capping, subject to the policy terms.

  • Buyers seeking flexible cover amounts: Sum Insured options range from ₹3 lakh to ₹1 crore.

  • Families looking for recurring cover: The ReAssure benefit reinstates cover from the first paid claim and can be used for subsequent claims throughout the policy year.

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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.

  • Road ambulance expenses are limited to ₹2,000 per hospitalisation.

  • Maternity expenses and OPD treatment are excluded.

  • Most robotic surgeries have a ₹1 lakh limit unless Modern Treatment+ is selected.

  • Listed conditions and procedures have a 24-month specific waiting period.

  • The pre-existing disease waiting period is 36 months.

  • Annual health check-ups are available from day one, with a potential renewal discount through Live Healthy.

  • Sum Insured options range from ₹3 lakh to ₹1 crore.

  • Loyalty Additions add 50% of Base SI each year, up to 100%.

  • Unlimited in-year reinstatement starts from the first paid claim.

  • No room rent capping, with ICU expenses covered up to Sum Insured.

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Detailed Features Comparison

Compare the key features of different health insurance plans

Smart Super Health
Smart Super Health

Health Insurance Plan

VS
Reassure
Reassure

Health Insurance Plan

Room Rent

Smart Super Health

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

Reassure

No room rent capping. Eligible inpatient room categories are covered subject to policy terms.

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

Reassure

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

Reassure

Covered up to Sum Insured under inpatient care, with no separate ICU cap.

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

Reassure

No co-payment under the base plan. The optional Tiered Network add-on offers a 15% premium discount and applies a 20% co-payment when treatment is taken at a non-tiered network hospital.

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

Reassure

No general disease-wise sublimits. Most robotic surgeries have a ₹1 lakh limit, with listed exceptions. Road ambulance is limited to ₹2,000 per hospitalisation, and air ambulance reimbursement is capped at ₹2.5 lakh.

Cashless Healthcare Providers

Smart Super Health

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

VS

Reassure

Cashless treatment is available at Niva Bupa network providers, subject to network participation and pre-authorisation. Niva Bupa has reported a company-wide network of 10,000+ 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

Reassure

The ReAssure benefit provides unlimited reinstatement within the policy year, triggered from the first paid claim. It is available for subsequent claims for any illness and any insured member. Each claim under the benefit is limited to Base Sum Insured

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

Reassure

Eligible day-care treatment is covered up to Sum Insured. The policy wording specifies admission exceeding 2 hours and includes procedures such as angiography, dialysis, radiotherapy and chemotherapy for cancer.

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

Reassure

Loyalty Additions add 50% of the previous year's Base Sum Insured at each policy anniversary, up to 100% of Base SI

AYUSH Treatment

Smart Super Health

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

VS

Reassure

Eligible inpatient treatment under Ayurveda, Unani, Siddha and Homeopathy at an AYUSH hospital is covered up to Sum Insured. Yoga is not covered.

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

Reassure

Not covered in the base plan. Optional Safeguard covers List I non-payable items, while Safeguard+ covers Lists I to IV.

Initial Waiting Period

Smart Super Health

30 days from inception, except for accidents

VS

Reassure

30 days for illnesses. Accidents are covered from day one.

Specific Waiting Period

Smart Super Health

2 years for listed illnesses and procedures (clause 6.1.2)

VS

Reassure

24 months for listed conditions and procedures, subject to policy terms. This waiting period does not apply to accidents. Cancer is covered after the applicable 30-day initial waiting period.

PED Waiting Period

Smart Super Health

48 months (clause 6.1.3)

VS

Reassure

36 months of continuous coverage for declared pre-existing diseases, subject to policy terms.

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

Reassure

Covered up to Sum Insured. Most robotic surgeries have a ₹1 lakh limit, except robotic radical prostatectomy, cardiac, partial nephrectomy and cancer surgeries. The optional Modern Treatment+ add-on removes the ₹1 lakh limit.

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

Reassure

Available from day one, once per policy year. Benefit value is ₹500 per ₹1 lakh of Sum Insured, up to ₹5,000 per insured individual or ₹10,000 per Family Floater policy. Cashless only.

Pre-Hospitalisation

Smart Super Health

Up to 60 days before admission, within the sum insured

VS

Reassure

Covered for up to 60 days, up to Sum Insured, on a reimbursement basis.

Post-Hospitalisation

Smart Super Health

Up to 90 days after discharge, within the sum insured

VS

Reassure

Covered for up to 180 days, up to Sum Insured, on a reimbursement basis.

Outpatient Department Cover (OPD Expense)

Smart Super Health

Up to 90 days after discharge, within the sum insured

VS

Reassure

OPD treatment is not covered under the base plan.

Deductible Option

Smart Super Health

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

VS

Reassure

No deductible option is listed in the base product benefit table.

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

Reassure

Base Sum Insured options are ₹3 lakh, ₹4 lakh, ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹12.5 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh, ₹50 lakh, ₹75 lakh and ₹1 crore. Available on Individual or Family Floater basis, covering up to 2 adults and 4 children.

Claim Settlement Ratio

Smart Super Health

FY 24-25: ~84%

VS

Reassure

96.8% of claims settled by number in FY 2025-26 for the ReAssure product line, which includes ReAssure, ReAssure 2.0 and ReAssure 3.0 UINs in the insurer's disclosure. Company-level figure reported in the annual report: 94.4%.

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

Reassure

Maternity expenses are excluded under the base plan.

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