Insurance Plans Comparison
TATA AIG Elder Care vs ICICI Lombard Smart Super Health
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreElder Care
Cover hospital care from age 61, then a home nurse for up to 7 days after surgery, up to 10 physiotherapy sessions after a stroke, paralysis or joint replacement, and a caregiver for up to 14 days.
What Makes It Special:
A senior citizen health insurance plan designed for individuals aged 61 years and above, with hospitalisation coverage and specialised elderly-care support services.
Best For:
Individuals seeking health coverage for age-related healthcare needs.
Seniors looking for wellness services and teleconsultation support.
People who may need home-care support after hospitalisation.
Retired individuals looking for health insurance coverage.
Senior citizens aged 61 years and above.
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
Check the room eligibility and waiting periods carefully, especially the 48-month waiting period for joint replacement surgeries.
Review the mandatory 20% co-payment and the optional Co-Payment Waiver Add-On before choosing the plan.
Home Care Treatment Cover is available for specified illnesses and procedures, up to 10% of the Sum Insured.
The plan includes elderly-care services such as home nursing, home physiotherapy and compassionate care, subject to eligibility.
Consider this plan if you are looking for health insurance designed specifically for senior citizens.
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
![]() Elder Care Health Insurance Plan VS VS |
![]() Smart Super Health Health Insurance Plan |
| Room Rent |
|---|
Elder Care Single Private Room. Choosing a room category outside the permitted eligibility may affect claim settlement as per policy terms. |
VS VS |
Smart Super Health
|
| ICU Charges |
|---|
Elder Care Not separately specified in the supplied brochure. In-Patient Treatment is covered up to the Sum Insured. |
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 |
|---|
Elder Care Information Unavailable |
VS VS |
Smart Super Health
|
| Disease-wise sublimits |
|---|
Elder Care Specific disease-wise sublimits are not fully detailed in the available product reference. Verify from the policy wording. |
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. |
| Co-payment |
|---|
Elder Care Mandatory 20% co-payment applies to admissible claims. An optional Co-Payment Waiver Add-On is available. |
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. |
| Cashless Healthcare Providers |
|---|
Elder Care Cashless treatment is available through the insurer's network hospitals, subject to pre-authorisation and policy terms. |
VS VS |
Smart Super Health The policy provides access to over 10,000+ network hospitals, ensuring cashless treatment at recognized healthcare facilities. |
| Restoration Benefit |
|---|
Elder Care Not specifically mentioned in the available product reference. |
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 |
|---|
Elder Care 10% increase for every claim-free year, up to a maximum of 100% of the Sum Insured. Alternatively, No Claim Discount in premium can be opted for instead of Cumulative Bonus. |
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 |
|---|
Elder Care Covered up to the Sum Insured, subject to policy terms. |
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 |
|---|
Elder Care Consumables benefit is included, subject to applicable policy terms and conditions. |
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 |
|---|
Elder Care Covered up to the Sum Insured, subject to policy terms. |
VS VS |
Smart Super Health Alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) are covered. |
| Initial Waiting Period |
|---|
Elder Care 30 days, subject to applicable policy terms and exceptions. |
VS VS |
Smart Super Health 30 days from inception, except for accidents |
| Specific Waiting Period |
|---|
Elder Care 24 months for specified diseases and procedures. Joint replacement surgeries have a 48-month waiting period. |
VS VS |
Smart Super Health 2 years for listed illnesses and procedures (clause 6.1.2) |
| PED Waiting Period |
|---|
Elder Care 24 months for pre-existing diseases disclosed and accepted by the insurer. |
VS VS |
Smart Super Health 48 months (clause 6.1.3) |
| Modern Treatment |
|---|
Elder Care Not specified in the supplied brochure |
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 |
|---|
Elder Care Preventive health consultations are available. Exact check-up limits should be verified from the policy wording. |
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 |
|---|
Elder Care Covered for up to 30 days before hospitalisation, subject to policy terms. |
VS VS |
Smart Super Health Up to 60 days before admission, within the sum insured |
| Post-Hospitalisation |
|---|
Elder Care Post-hospitalisation support includes eligible home nursing, physiotherapy and compassionate care services, subject to policy conditions. |
VS VS |
Smart Super Health Up to 90 days after discharge, within the sum insured |
| Outpatient Department Cover (OPD Expense) |
|---|
Elder Care High-end diagnostic tests are covered up to ₹20,000 per policy year, subject to policy terms. |
VS VS |
Smart Super Health Up to 90 days after discharge, within the sum insured |
| Deductible Option |
|---|
Elder Care Not specifically mentioned in the available product reference. |
VS VS |
Smart Super Health No deductible option is listed in the wording. Hospital cash has a one-day deductible. |
| Coverage Options |
|---|
Elder Care Sum Insured options include ₹5 lakh, ₹10 lakh and ₹25 lakh, subject to availability under the applicable policy. |
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 |
|---|
Elder Care Not mentioned in the available product reference. |
VS VS |
Smart Super Health FY 24-25: ~84% |
| Maternity Cover |
|---|
Elder Care Not specifically mentioned in the available product reference. |
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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