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Insurance Plans Comparison

ICICI Lombard Smart Super Health Assure vs ManipalCigna ProHealth Accumulate

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 Assure

Pay a lump sum on diagnosis of one of six specified critical illnesses, including cancer, heart attack, stroke, bypass surgery, kidney failure and a major organ transplant, or take instalments over 5 years.

What Makes It Special:

Smart Super 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
ManipalCigna

ProHealth Accumulate

Carry forward a health maintenance benefit for outpatient and inpatient care, add 5% to any unused balance, and put up to half of it toward renewal premium, plus a guaranteed 5% cumulative bonus up to 200%.

What Makes It Special:

ProHealth focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

Best For:

  • Not available

Insurance Plans Comparison

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Detailed Features Comparison

Compare the key features of different health insurance plans

Smart Super Health Assure
Smart Super Health Assure

Health Insurance Plan

VS
ProHealth Accumulate
ProHealth Accumulate

Health Insurance Plan

Policy Wording

Room Rent

Smart Super Health Assure

Normal: Not applicable — this is a critical illness benefit plan

ICU: Not applicable — this is a lump sum critical illness payout plan

VS

ProHealth Accumulate

Normal: Single Private AC Room

ICU: Up to Sum Insured

Advanced Treatments

Smart Super Health Assure

Major Organ Transplant (Recipient)

Coronary Artery Bypass Graft Surgery

Stroke

Cancer

Heart Attack

Kidney Failure

VS

ProHealth Accumulate

Sum Insured below ₹5 Lakh: Covered up to 50% of Sum Insured

Sum Insured ₹5 Lakh and above: Covered up to Sum Insured

Co-payment

Smart Super Health Assure

Not mentioned

VS

ProHealth Accumulate

Not mentioned

Waiting Period

Smart Super Health Assure

Initial Waiting Period: 6 months

Specific Disease/Procedure Waiting Period: Critical illness diagnosis between 6 months to 1 year receives reduced payout

VS

ProHealth Accumulate

Initial Waiting Period: 30 Days

Pre-existing Disease Waiting Period:

Sum Insured up to ₹5 Lakh: 36 Months

Sum Insured ₹7.5 Lakh and above: 24 Months

Specific Disease/Procedure Waiting Period: 24 Months

Bariatric Surgery Waiting Period: 36 Months

Maternity & Infertility Waiting Period: 36 Months

Cashless Healthcare Providers

Smart Super Health Assure

6,500 network hospitals

VS

ProHealth Accumulate

Not mentioned

Daycare Treatment

Smart Super Health Assure

Not Applicable

VS

ProHealth Accumulate

Covered up to Sum Insured

AYUSH Treatment

Smart Super Health Assure

Not Mentioned

VS

ProHealth Accumulate

Covered up to Sum Insured

Insurance Plans Comparison

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Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

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Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

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

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)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

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