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Insurance Plans Comparison

TATA AIG Medicare Protect vs ICICI Lombard Smart Super Health

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

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TATA AIG

Medicare Protect

Cover specified consumables and more than 540 listed day-care procedures, add a 10% cumulative bonus each claim-free year up to 100%, and pay 10% of an admissible claim if you take a room above shared accommodation.

What Makes It Special:

TATA AIG MediCare Protect is a comprehensive health insurance plan designed to cover eligible medical expenses arising from illness, disease and accidental injury. The plan provides In-Patient Treatment, Day Care Procedures, pre and post-hospitalisation coverage, AYUSH treatment, domiciliary treatment and organ donor expenses, along with benefits such as restoration, health...

Best For:

  • Customers looking for additional protection through benefits such as Consumables Benefit and the optional Accidental Death Benefit.

  • Individuals who want coverage for AYUSH treatment, domiciliary treatment and eligible organ donor expenses.

  • Customers looking for additional support through restoration, preventive health check-ups and compassionate travel benefits.

  • Families looking for health insurance with Family Floater coverage and shared Sum Insured benefits.

  • Individuals looking for comprehensive coverage for hospitalisation and Day Care Procedures.

VS
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

Insurance Plans Comparison

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Quick Decision Guide

TATA AIG Medicare Protect

  • If you want additional protection against specified medical consumables or accidental death, the applicable benefits can be available subject to the policy schedule and conditions.

  • The plan provides a preventive health check-up benefit after every three continuous claim-free policy years, subject to the applicable limit and conditions.

  • Consider the plan if access to AYUSH treatment, domiciliary treatment and eligible organ donor expenses is important to you.

  • The plan may be suitable if you want automatic restoration of the Basic Sum Insured after the Sum Insured and accrued Cumulative Bonus are exhausted, subject to the applicable conditions.

  • Consider MediCare Protect if you want coverage for hospitalisation along with pre-hospitalisation, post-hospitalisation and listed Day Care Procedures.

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

Medicare Protect
Medicare Protect

Health Insurance Plan

Brochure

Policy Wording

VS
Smart Super Health
Smart Super Health

Health Insurance Plan

Room Rent

Medicare Protect

Normal: Shared Accommodation

VS

Smart Super Health

  1. Normal: Covered Up to Sum Insured
  2. ICU: Covered Up to Sum Insured
Advanced Treatments

Medicare Protect

Covered

VS

Smart Super Health

  1. Robotic surgeries
  2. Stem cell therapy
  3. Deep brain stimulation
  4. Bronchial thermoplasty

     

  5. Intra-operative neuro monitoring (IONM)
ICU Charges

Medicare Protect

Information Unavailable

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

Medicare Protect

10% co-payment on admissible claim amount

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

Medicare Protect

Information Unavailable

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

Medicare Protect

Initial Waiting Period: 30 Days (except accidents)

Pre-existing Disease Waiting Period: 48 Months

VS

Smart Super Health

Information Unavailable

Cashless Healthcare Providers

Medicare Protect

Cashless facility available at network hospitals

VS

Smart Super Health

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

Restoration Benefit

Medicare Protect

Information Unavailable

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

Medicare Protect

Covered

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

Medicare Protect

Information Unavailable

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

Medicare Protect

Covered

VS

Smart Super Health

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

Consumable Cover

Medicare Protect

Information Unavailable

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

Medicare Protect

Information Unavailable

VS

Smart Super Health

30 days from inception, except for accidents

Specific Waiting Period

Medicare Protect

Information Unavailable

VS

Smart Super Health

2 years for listed illnesses and procedures (clause 6.1.2)

PED Waiting Period

Medicare Protect

Information Unavailable

VS

Smart Super Health

48 months (clause 6.1.3)

Modern Treatment

Medicare Protect

Information Unavailable

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

Medicare Protect

Information Unavailable

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

Medicare Protect

Information Unavailable

VS

Smart Super Health

Up to 60 days before admission, within the sum insured

Post-Hospitalisation

Medicare Protect

Information Unavailable

VS

Smart Super Health

Up to 90 days after discharge, within the sum insured

Outpatient Department Cover (OPD Expense)

Medicare Protect

Information Unavailable

VS

Smart Super Health

Up to 90 days after discharge, within the sum insured

Deductible Option

Medicare Protect

Information Unavailable

VS

Smart Super Health

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

Coverage Options

Medicare Protect

Information Unavailable

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

Medicare Protect

Information Unavailable

VS

Smart Super Health

FY 24-25: ~84%

Maternity Cover

Medicare Protect

Information Unavailable

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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What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

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  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

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  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

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

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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