Insurance Plans Comparison
Royal Sundaram Multiplier Health vs ICICI Lombard Smart Super Health
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMultiplier Health
Add four times the sum insured, including any no-claim bonus, for a life-threatening condition, up to four times in a lifetime, and reload the base sum insured once in a policy year even for the same illness.
What Makes It Special:
Multiplier Health is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.
Best For:
- Not available
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
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Quick Decision Guide
Not available
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.
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Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Multiplier Health Health Insurance Plan VS VS |
![]() Smart Super Health Health Insurance Plan |
| Room Rent |
|---|
Multiplier Health Covered up to Sum Insured Covered up to Sum Insured |
VS VS |
Smart Super Health
|
| Advanced Treatments |
|---|
Multiplier Health Covered up to Sum Insured |
VS VS |
Smart Super Health
|
| ICU Charges |
|---|
Multiplier Health Information Unavailable |
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 |
|---|
Multiplier Health No mandatory co-pay |
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 |
|---|
Multiplier Health Information Unavailable |
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. |
| Waiting Period |
|---|
Multiplier Health 30 Days 36 Months 24 Months |
VS VS |
Smart Super Health Information Unavailable |
| Cashless Healthcare Providers |
|---|
Multiplier Health Cashless Available |
VS VS |
Smart Super Health The policy provides access to over 10,000+ network hospitals, ensuring cashless treatment at recognized healthcare facilities. |
| Restoration Benefit |
|---|
Multiplier Health Information Unavailable |
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 |
|---|
Multiplier Health Covered up to Sum Insured |
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 |
|---|
Multiplier Health Information Unavailable |
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 |
|---|
Multiplier Health Covered up to Sum Insured |
VS VS |
Smart Super Health Alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) are covered. |
| Consumable Cover |
|---|
Multiplier Health Information Unavailable |
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 |
|---|
Multiplier Health Information Unavailable |
VS VS |
Smart Super Health 30 days from inception, except for accidents |
| Specific Waiting Period |
|---|
Multiplier Health Information Unavailable |
VS VS |
Smart Super Health 2 years for listed illnesses and procedures (clause 6.1.2) |
| PED Waiting Period |
|---|
Multiplier Health Information Unavailable |
VS VS |
Smart Super Health 48 months (clause 6.1.3) |
| Modern Treatment |
|---|
Multiplier Health Information Unavailable |
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 |
|---|
Multiplier Health Information Unavailable |
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 |
|---|
Multiplier Health Information Unavailable |
VS VS |
Smart Super Health Up to 60 days before admission, within the sum insured |
| Post-Hospitalisation |
|---|
Multiplier Health Information Unavailable |
VS VS |
Smart Super Health Up to 90 days after discharge, within the sum insured |
| Outpatient Department Cover (OPD Expense) |
|---|
Multiplier Health Information Unavailable |
VS VS |
Smart Super Health Up to 90 days after discharge, within the sum insured |
| Deductible Option |
|---|
Multiplier Health Information Unavailable |
VS VS |
Smart Super Health No deductible option is listed in the wording. Hospital cash has a one-day deductible. |
| Coverage Options |
|---|
Multiplier Health Information Unavailable |
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 |
|---|
Multiplier Health Information Unavailable |
VS VS |
Smart Super Health FY 24-25: ~84% |
| Maternity Cover |
|---|
Multiplier Health Information Unavailable |
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. |
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