Insurance Plans Comparison
ICICI Lombard Smart Super Health vs Star Assure
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreSmart 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
Assure
Restore the sum insured up to 100% an unlimited number of times in a policy year for later hospitalisations, earn a 25% cumulative bonus each claim-free year up to 100%, and cover up to nine family members.
What Makes It Special:
Star Health Assure is a flexible, high-limit health insurance plan designed for individuals and families, with coverage options from ₹5 lakh up to ₹2 crore. The plan offers cashless hospitalization across a wide network, daily hospital cash benefits, and no room rent restrictions on standard rooms. It features lifetime renewability,...
Best For:
Health-conscious buyers who can earn up to 20% wellness discount on renewal
People who want room choice without a cap from ₹10 Lakh Sum Insured
Young couples planning a family who want delivery, newborn, assisted reproduction and in-utero surgery cover
Unlimited restoration option plan
Premium floater family health plan
Flexible high-sum insured protection
Flexible options for payment of premium
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
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.
Things to Consider: Premium varies by zone, and members entering above 65 can get a maximum of ₹50 Lakh cover.
Things to Consider: Maternity is limited to 10% of Sum Insured, has a 24-month wait and requires both spouses to be covered.
Things to Consider: PED waiting period is 36 months, or 30 months only with a 3-year policy.
Things to Consider: Room rent is capped at 1% of Sum Insured per day for ₹5 Lakh and ₹7.5 Lakh covers.
Things to Consider: 10% co-payment applies for anyone who joins at age 61 or older.
Reasons to Consider: Consumables, air ambulance up to 10% of Sum Insured, home care and domiciliary treatment are covered.
Reasons to Consider: Pre- and post-hospitalisation cover of 60 and 180 days.
Reasons to Consider: Cumulative Bonus grows by 25% of Sum Insured for each claim-free year, up to 100%.
You want maternity and newborn coverage included
You want no room rent capping for standard rooms
You value unlimited restoration of sum insured
You want coverage up to ₹2 crore for family
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Smart Super Health Health Insurance Plan VS VS |
![]() Assure Health Insurance Plan |
| Room Rent |
|---|
Smart Super Health
|
VS VS |
Assure Capped at up to 1% of Sum Insured per day for a ₹5 Lakh cover. For ₹10 Lakh to ₹25 Lakh cover: Any room allowed except suites. For ₹50 Lakh to ₹2 Crore cover: Any room category with zero restrictions (Suites included). Proportionate deduction applies if an higher room tier is chosen. |
| Advanced Treatments |
|---|
Smart Super Health
|
VS VS |
Assure 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 VS |
Assure No restriction on ICU room rent |
| 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 VS |
Assure 0% for entries up to age 60. A mandatory 10% co-payment applies to each and every claim if the insured person's age at entry is 61 years or older. |
| 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 VS |
Assure No |
| Cashless Healthcare Providers |
|---|
Smart Super Health The policy provides access to over 10,000+ network hospitals, ensuring cashless treatment at recognized healthcare facilities. |
VS VS |
Assure 14000+ Healthcare Providers |
| 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 VS |
Assure Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
| 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 VS |
Assure Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| 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 VS |
Assure 25% of the Sum Insured for each claim-free year, up to a maximum of 100%. |
| AYUSH Treatment |
|---|
Smart Super Health Alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) are covered. |
VS VS |
Assure Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| 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 VS |
Assure Yes |
| Initial Waiting Period |
|---|
Smart Super Health 30 days from inception, except for accidents |
VS VS |
Assure 30 days. |
| Specific Waiting Period |
|---|
Smart Super Health 2 years for listed illnesses and procedures (clause 6.1.2) |
VS VS |
Assure 2 years |
| PED Waiting Period |
|---|
Smart Super Health 48 months (clause 6.1.3) |
VS VS |
Assure 36 months (3 years) for 1 and 2-year policy terms; reduced to 30 months if a 3-year policy term is chosen up front. |
| 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 VS |
Assure Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| 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 VS |
Assure Health check-up is available once every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
Smart Super Health Up to 60 days before admission, within the sum insured |
VS VS |
Assure You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Smart Super Health Up to 90 days after discharge, within the sum insured |
VS VS |
Assure You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Smart Super Health Up to 90 days after discharge, within the sum insured |
VS VS |
Assure Not included for general consultations or regular pharmacies. Outpatient benefits are available exclusively for Chronic Severe Refractory Asthma up to specified policy sub-limits. |
| Deductible Option |
|---|
Smart Super Health No deductible option is listed in the wording. Hospital cash has a one-day deductible. |
VS VS |
Assure Available as an option |
| 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 VS |
Assure Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr |
| Claim Settlement Ratio |
|---|
Smart Super Health FY 24-25: ~84% |
VS VS |
Assure 82.31% |
| 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 VS |
Assure Covered up to 10% of the Sum Insured after a continuous 24-month waiting period. Requires both spouses to be covered under the same policy. |
Insurance Plans Comparison
Still Confused? Get Expert Advice
Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
Why Choose Our Expert Consultation?
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
Smart, Tech-Enabled Experience
From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free
Insurance Plans Comparison
Explore Insurance Category
Insurance Plans Comparison
Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
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
Smart Super Health vs Optima Secure
Smart Super Health vs Super Mediclaim
Smart Super Health vs Critical Illness Platinum Plan
Smart Super Health vs Health Recharge
Smart Super Health vs Golden Shield
Smart Super Health vs Optima Secure Plus
Smart Super Health vs Cancer Cover Activ Cancer Secure Plan
Smart Super Health vs LifeTime Health Global
Smart Super Health vs Women Care
Smart Super Health vs Aspire Diamond+
Smart Super Health vs Activate Booster Plan A
Smart Super Health vs myHealth Medisure Super Top-up
Smart Super Health vs Health Super Saver Standard
Smart Super Health vs Active Care Premier
Smart Super Health vs ProHealth Accumulate
Smart Super Health vs Health Booster SuperTopup Individual Adult 1 Year N
Smart Super Health vs Supreme Shine
Smart Super Health vs Health Shield 360 Retail
Smart Super Health vs Health Cardiac Care Silver & Gold Plan
Smart Super Health vs myHealth Suraksha Gold
Smart Super Health vs Max Protect Premium
Smart Super Health vs Elder Care
Smart Super Health vs Young Star Gold
Smart Super Health vs Assure
Smart Super Health vs Active Fit Plus
Smart Super Health vs Cancer Care Platinum
Smart Super Health vs Health Connect Elite
Smart Super Health vs Arogya Sanjeevani
Smart Super Health vs OneHealth Premium
Smart Super Health vs ProHealth Prime Protect
Smart Super Health vs Optima Lite
Smart Super Health vs Medicare Plus
Smart Super Health vs Activ Health Platinum Essential
Smart Super Health vs GoActive
Smart Super Health vs Criti Shield Family Shield
Smart Super Health vs Medicare Senior
Smart Super Health vs Enhance Super Top-up Two
Smart Super Health vs Reassure 3.0
Smart Super Health vs Medicare Protect
Smart Super Health vs Health AdvantEdge Plus
Smart Super Health vs Activ One SAVR
Smart Super Health vs Active Assure Diamond
Smart Super Health vs Activ One VIP
Smart Super Health vs Health Pulse Classic
Smart Super Health vs Advantage
Smart Super Health vs Mediclaim Insurance Policy
Smart Super Health vs iHealth
Smart Super Health vs Special Care Gold
Smart Super Health vs Energy Gold Without Copay
Smart Super Health vs Activ One Max
Smart Super Health vs Classic
Smart Super Health vs Activ One Vytl
Smart Super Health vs Supreme
Smart Super Health vs Freedom
Smart Super Health vs Sarvah Pratham
Smart Super Health vs Joy Today
Smart Super Health vs Medi Classic
Smart Super Health vs Activate Booster Plan B
Smart Super Health vs Aspire Gold+
Smart Super Health vs Health Gain
Smart Super Health vs Aspire Platinum+
Smart Super Health vs Plus Complete
Smart Super Health vs Health Companion Family First Plan
Smart Super Health vs Reassure 2.0 Platinum+
Smart Super Health vs Reassure 3.0 Elite
Smart Super Health vs Enhance Super Top-up One
Smart Super Health vs Joy Tomorrow
Smart Super Health vs Reassure 3.0 Select
Smart Super Health vs Activ One VIP+
Smart Super Health vs Red Carpet Senior Citizens
Smart Super Health vs Super Surplus Gold
Smart Super Health vs Health SuperCharge
Smart Super Health vs Health Elite Plus
Smart Super Health vs Medicare Premier
Smart Super Health vs Family Health Optima
Smart Super Health vs Health Companion Variant 2022
Smart Super Health vs Health Companion Variant 3
Smart Super Health vs Plus Youth
Smart Super Health vs ProHealth Prime Advantage
Smart Super Health vs Critical Illness Silver Plan
Smart Super Health vs Health Premia Gold
Smart Super Health vs Health Premia Platinum
Smart Super Health vs Comprehensive
Smart Super Health vs HeartBeat Enhanced
Smart Super Health vs Reassure
Smart Super Health vs Complete Health Insurance Health Shield Plus Plan
Smart Super Health vs myHealth Suraksha Platinum
Smart Super Health vs Health Recharge Super Top Up Plan
Smart Super Health vs Supreme Value for Money
Smart Super Health vs Supreme Enhance Two
Smart Super Health vs Supreme Senior Super
Smart Super Health vs Supreme Enhance
Smart Super Health vs Reassure 2.0 Gold
Smart Super Health vs Active Fit Preferred
Smart Super Health vs LifeTime Health
Smart Super Health vs Medicare
Smart Super Health vs ProHealth Prime Active
Smart Super Health vs ProHealth Prime Senior Elite
Smart Super Health vs Advanced Top Up
Smart Super Health vs Multiplier Health
Smart Super Health vs Ultimate (Direct)
Smart Super Health vs Young Star
Smart Super Health vs Star Women Care Policy
Smart Super Health vs Health Assurance
Smart Super Health vs Family Plus
Smart Super Health vs Sarvah Param
Smart Super Health vs Optima Insurance
Smart Super Health vs Smart Super Health Assure
Smart Super Health vs Criti Shield Plus
Smart Super Health vs Health Care Supreme Ultimo
Smart Super Health vs Super Star
Smart Super Health vs Reassure 3.0 Black
Smart Super Health vs Health Guard Platinum
Smart Super Health vs Health Guard Gold
Smart Super Health vs Elevate (Direct)
Smart Super Health vs Senior First Platinum
Smart Super Health vs Extra Care Plus Super Top-up
Smart Super Health vs Health Care Supreme Smart
Smart Super Health vs Medi Classic Gold
Smart Super Health vs Smart Health Pro
Smart Super Health vs Optima Super Secure
Smart Super Health vs Optima Secure Global
Smart Super Health vs Special Care
Smart Super Health vs Medicare LITE
Smart Super Health vs NextGen
Smart Super Health vs Health Shield 360
Smart Super Health vs SecureHealth
Smart Super Health vs Energy Silver With Copay
Smart Super Health vs Supreme (Direct)
Smart Super Health vs Plus
Smart Super Health vs Medicare Select
Smart Super Health vs Complete Health Insurance Health Protect Plus Plan
Smart Super Health vs myHealth Koti Suraksha
Smart Super Health vs Senior
Smart Super Health vs myHealth Suraksha Silver
Smart Super Health vs Health Booster
Smart Super Health vs Complete Health Insurance Health Shield
Smart Super Health vs Cardiac Care Platinum
Smart Super Health vs Royal Sundaram Lifeline Elite
Smart Super Health vs HeartBeat Platinum
Smart Super Health vs Supreme Enhance One
Smart Super Health vs HeartBeat Gold
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
Smart Super Health vs Heart
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
Assure vs Supreme Senior Premium
Assure vs Energy Silver Without Copay
Assure vs Ultimate
Assure vs EquiCover
Assure vs Optima Secure Global Plus
Assure vs Optima Secure
Assure vs Super Mediclaim
Assure vs Critical Illness Platinum Plan
Assure vs Health Recharge
Assure vs Golden Shield
Assure vs Optima Secure Plus
Assure vs Cancer Cover Activ Cancer Secure Plan
Assure vs LifeTime Health Global
Assure vs Women Care
Assure vs Aspire Diamond+
Assure vs Activate Booster Plan A
Assure vs myHealth Medisure Super Top-up
Assure vs Health Super Saver Standard
Assure vs Active Care Premier
Assure vs ProHealth Accumulate
Assure vs Health Booster SuperTopup Individual Adult 1 Year N
Assure vs Supreme Shine
Assure vs Health Shield 360 Retail
Assure vs Health Cardiac Care Silver & Gold Plan
Assure vs myHealth Suraksha Gold
Assure vs Max Protect Premium
Assure vs Elder Care
Assure vs Young Star Gold
Assure vs Active Fit Plus
Assure vs Cancer Care Platinum
Assure vs Health Connect Elite
Assure vs Arogya Sanjeevani
Assure vs OneHealth Premium
Assure vs ProHealth Prime Protect
Assure vs Optima Lite
Assure vs Medicare Plus
Assure vs Activ Health Platinum Essential
Assure vs GoActive
Assure vs Criti Shield Family Shield
Assure vs Medicare Senior
Assure vs Enhance Super Top-up Two
Assure vs Reassure 3.0
Assure vs Medicare Protect
Assure vs Health AdvantEdge Plus
Assure vs Activ One SAVR
Assure vs Active Assure Diamond
Assure vs Activ One VIP
Assure vs Health Pulse Classic
Assure vs Advantage
Assure vs Mediclaim Insurance Policy
Assure vs iHealth
Assure vs Special Care Gold
Assure vs Energy Gold Without Copay
Assure vs Activ One Max
Assure vs Smart Super Health
Assure vs Classic
Assure vs Activ One Vytl
Assure vs Supreme
Assure vs Freedom
Assure vs Sarvah Pratham
Assure vs Joy Today
Assure vs Medi Classic
Assure vs Activate Booster Plan B
Assure vs Aspire Gold+
Assure vs Health Gain
Assure vs Aspire Platinum+
Assure vs Plus Complete
Assure vs Health Companion Family First Plan
Assure vs Reassure 2.0 Platinum+
Assure vs Reassure 3.0 Elite
Assure vs Enhance Super Top-up One
Assure vs Joy Tomorrow
Assure vs Reassure 3.0 Select
Assure vs Activ One VIP+
Assure vs Red Carpet Senior Citizens
Assure vs Super Surplus Gold
Assure vs Health SuperCharge
Assure vs Health Elite Plus
Assure vs Medicare Premier
Assure vs Family Health Optima
Assure vs Health Companion Variant 2022
Assure vs Health Companion Variant 3
Assure vs Plus Youth
Assure vs ProHealth Prime Advantage
Assure vs Critical Illness Silver Plan
Assure vs Health Premia Gold
Assure vs Health Premia Platinum
Assure vs Comprehensive
Assure vs HeartBeat Enhanced
Assure vs Reassure
Assure vs Complete Health Insurance Health Shield Plus Plan
Assure vs myHealth Suraksha Platinum
Assure vs Health Recharge Super Top Up Plan
Assure vs Supreme Value for Money
Assure vs Supreme Enhance Two
Assure vs Supreme Senior Super
Assure vs Supreme Enhance
Assure vs Reassure 2.0 Gold
Assure vs Active Fit Preferred
Assure vs LifeTime Health
Assure vs Medicare
Assure vs ProHealth Prime Active
Assure vs ProHealth Prime Senior Elite
Assure vs Advanced Top Up
Assure vs Multiplier Health
Assure vs Ultimate (Direct)
Assure vs Young Star
Assure vs Star Women Care Policy
Assure vs Health Assurance
Assure vs Family Plus
Assure vs Sarvah Param
Assure vs Optima Insurance
Assure vs Smart Super Health Assure
Assure vs Criti Shield Plus
Assure vs Health Care Supreme Ultimo
Assure vs Super Star
Assure vs Reassure 3.0 Black
Assure vs Health Guard Platinum
Assure vs Health Guard Gold
Assure vs Elevate (Direct)
Assure vs Senior First Platinum
Assure vs Extra Care Plus Super Top-up
Assure vs Health Care Supreme Smart
Assure vs Medi Classic Gold
Assure vs Smart Health Pro
Assure vs Optima Super Secure
Assure vs Optima Secure Global
Assure vs Special Care
Assure vs Medicare LITE
Assure vs NextGen
Assure vs Health Shield 360
Assure vs SecureHealth
Assure vs Energy Silver With Copay
Assure vs Supreme (Direct)
Assure vs Plus
Assure vs Medicare Select
Assure vs Complete Health Insurance Health Protect Plus Plan
Assure vs myHealth Koti Suraksha
Assure vs Senior
Assure vs myHealth Suraksha Silver
Assure vs Health Booster
Assure vs Complete Health Insurance Health Shield
Assure vs Cardiac Care Platinum
Assure vs Royal Sundaram Lifeline Elite
Assure vs HeartBeat Platinum
Assure vs Supreme Enhance One
Assure vs HeartBeat Gold
Assure vs Health Companion Variant 2
Assure vs Health Companion Variant 1
Assure vs Aspire Titanium+
Assure vs iHealth Plus
Assure vs Reassure 3.0 Classic
Assure vs Senior Health Advantage
Assure vs Health Wallet
Assure vs Elevate
Assure vs Heart
Assure vs Reassure 2.0 Titanium+
Assure vs Diabetes Safe Plan A
Assure vs Reassure 2.0 Bronze+
Assure vs Young Star Silver
Assure vs Enhance Super Top-up
Assure vs Joy
Assure vs Health Elite
Assure vs Supreme Senior Health AdvantEdge
Assure vs Health AdvantEdge
Assure vs Supreme Super Saver
Assure vs Health Insurance Platinum
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.







.png)