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OneAssure allows you to compare multiple health insurance policies side by side, analyzing coverage, premiums, hospital networks, and benefits to choose the most suitable plan for your needs.

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Cashless claims let you get treatment at network hospitals without paying upfront, while reimbursement claims require you to pay first and get refunded later.

Does OneAssure provide expert guidance while selecting health insurance with maternity or newborn coverage?

Yes, OneAssure’s insurance experts guide you in selecting plans with maternity benefits, newborn cover, and short waiting periods for family planning needs.

How do co-payment clauses impact health insurance premiums and claim settlements?

Co-payment means you share a part of the claim cost. Opting for co-pay lowers your premium but increases your out-of-pocket expenses.

Which health insurance plan offers the best coverage for critical illnesses and pre-existing diseases?

Plans with comprehensive coverage, minimal waiting periods, and optional critical illness riders are ideal. OneAssure helps identify policies that best meet these requirements.

Can I compare waiting periods and sub-limits for hospitalisation expenses on OneAssure?

Yes, OneAssure’s comparison tool highlights waiting periods, sub-limits, and exclusions so you can choose a policy that maximizes benefits and minimizes restrictions.

What are room rent limits in health insurance, and how do they affect claims?

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Does OneAssure assist with health insurance claims and renewals after I purchase a policy?

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How can I check if a health insurance plan covers daycare procedures and modern treatments?

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Compare Health Insurance Plans

Smart Super Health Vs Health Companion Family First Plan

Insurance Plans Comparison

ICICI Lombard Smart Super Health vs Niva Bupa Health Companion Family First Plan

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare coverage, benefits, and premiums to find the perfect plan for your needs.

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

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

Health Companion Family First Plan

Cover an extended family with a separate sum insured per person and a shared floater after that sum insured is used, and add 20% of each person's base sum insured each claim-free year up to 100%.

What Makes It Special:

Family First is a Health Companion variant. The prospectus describes an individual or family floater with a refill benefit, no-claim bonus, a 60-day pre and 180-day post-hospitalisation cover, and optional hospital cash and personal accident cover.

Best For:

Buyers who do not need maternity or OPD cover
Buyers who need hospitalisation, day care and AYUSH cover
Families with a parent covered alongside the insured
Buyers who want a no-claim bonus that builds to 100%
Families who want a floater with a refill benefit

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.

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Quick Decision Guide

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.

Niva Bupa Health Companion Family First Plan

Children are split off to their own policy after 26.
The 20% co-payment applies to higher room categories on Variant 2023, so choose your room carefully.
Refill applies once a year, so it is not unlimited cover.
Maternity is excluded, so choose another plan if you plan a pregnancy.
The 36-month PED wait applies, so buy early if anyone has an existing condition.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Smart Super Health

Health Insurance Plan

Health Companion Family First Plan

Health Insurance Plan

Brochure

Room Rent
Smart Super Health Normal: Covered Up to Sum Insured ICU: Covered Up to Sum Insured	Health Companion Family First Plan Normal: Covered up to sum insured ICU: Covered up to sum insured.

Advanced Treatments
Smart Super Health Robotic surgeries Stem cell therapy Deep brain stimulation Bronchial thermoplasty Intra-operative neuro monitoring (IONM)	Health Companion Family First Plan Robotic surgeries Stem cell therapy Oral chemotherapy Deep brain stimulation Bronchial thermoplasty Intraoperative neuro monitoring (IONM).

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.	Health Companion Family First Plan Covered up to the sum insured as part of in-patient care

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.	Health Companion Family First Plan The policy does not mandate a co-payment, meaning the insurer covers the full admissible claim amount without requiring the insured to pay a portion.

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.	Health Companion Family First Plan No disease sublimit schedule in the prospectus. Sum insured limits apply to all covered treatment.

Cashless Healthcare Providers
Smart Super Health The policy provides access to over 10,000+ network hospitals, ensuring cashless treatment at recognized healthcare facilities.	Health Companion Family First Plan Access to over 10,000 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.

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.	Health Companion Family First Plan Refill: restores up to the base sum insured once per policy year, for the same or a different illness, after the first paid claim

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.	Health Companion Family First Plan Covers medical procedures that require less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays.

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).	Health Companion Family First Plan No claim bonus of 20% of the expiring base sum insured for each claim-free year, up to 100% of the base sum insured. A claim does not reduce the bonus.

AYUSH Treatment
Smart Super Health Alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) are covered.	Health Companion Family First Plan Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options.

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).	Health Companion Family First Plan Medicines and consumables prescribed during treatment are covered. Items in Annexure II, such as toiletries, gloves and diapers, are not.

Initial Waiting Period
Smart Super Health 30 days from inception, except for accidents	Health Companion Family First Plan 30 days, except accidents

Specific Waiting Period
Smart Super Health 2 years for listed illnesses and procedures (clause 6.1.2)	Health Companion Family First Plan 24 months for listed conditions

PED Waiting Period
Smart Super Health 48 months (clause 6.1.3)	Health Companion Family First Plan 36 months.

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.	Health Companion Family First Plan Covered up to the sum insured. Includes robotic surgery, stereotactic radiosurgery, deep brain stimulation, oral chemotherapy and other listed treatments.

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).	Health Companion Family First Plan Once every policy year from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Individual: ₹5,000 maximum per insured. Floater: ₹10,000 per policy. Booked through the app, cashless only.

Pre-Hospitalisation
Smart Super Health Up to 60 days before admission, within the sum insured	Health Companion Family First Plan 60 days before admission, up to the sum insured

Post-Hospitalisation
Smart Super Health Up to 90 days after discharge, within the sum insured	Health Companion Family First Plan 180 days after discharge, up to the sum insured

Outpatient Department Cover (OPD Expense)
Smart Super Health Up to 90 days after discharge, within the sum insured	Health Companion Family First Plan Not covered. OPD treatment is an excluded expense.

Deductible Option
Smart Super Health No deductible option is listed in the wording. Hospital cash has a one-day deductible.	Health Companion Family First Plan Annual aggregate deductible of ₹10,000, ₹20,000, ₹30,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh. Does not apply to health checks, animal bite or hospital cash.

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.	Health Companion Family First Plan Individual or floater, with optional hospital cash, personal accident and deductible

Claim Settlement Ratio
Smart Super Health FY 24-25: ~84%	Health Companion Family First Plan Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27).

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.	Health Companion Family First Plan Not covered. Maternity expenses are an excluded expense.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Smart Super Health

Health Insurance Plan

Health Companion Family First Plan

Health Insurance Plan

Brochure

Room Rent
Smart Super Health Normal: Covered Up to Sum Insured ICU: Covered Up to Sum Insured
VS VS
Health Companion Family First Plan Normal: Covered up to sum insured ICU: Covered up to sum insured.

Advanced Treatments
Smart Super Health Robotic surgeries Stem cell therapy Deep brain stimulation Bronchial thermoplasty Intra-operative neuro monitoring (IONM)
VS VS
Health Companion Family First Plan Robotic surgeries Stem cell therapy Oral chemotherapy Deep brain stimulation Bronchial thermoplasty Intraoperative neuro monitoring (IONM).

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
Health Companion Family First Plan Covered up to the sum insured as part of in-patient care

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
Health Companion Family First Plan The policy does not mandate a co-payment, meaning the insurer covers the full admissible claim amount without requiring the insured to pay a portion.

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
Health Companion Family First Plan No disease sublimit schedule in the prospectus. Sum insured limits apply to all covered treatment.

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
Health Companion Family First Plan Access to over 10,000 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.

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
Health Companion Family First Plan Refill: restores up to the base sum insured once per policy year, for the same or a different illness, after the first paid claim

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
Health Companion Family First Plan Covers medical procedures that require less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays.

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
Health Companion Family First Plan No claim bonus of 20% of the expiring base sum insured for each claim-free year, up to 100% of the base sum insured. A claim does not reduce the bonus.

AYUSH Treatment
Smart Super Health Alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) are covered.
VS VS
Health Companion Family First Plan Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options.

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
Health Companion Family First Plan Medicines and consumables prescribed during treatment are covered. Items in Annexure II, such as toiletries, gloves and diapers, are not.

Initial Waiting Period
Smart Super Health 30 days from inception, except for accidents
VS VS
Health Companion Family First Plan 30 days, except accidents

Specific Waiting Period
Smart Super Health 2 years for listed illnesses and procedures (clause 6.1.2)
VS VS
Health Companion Family First Plan 24 months for listed conditions

PED Waiting Period
Smart Super Health 48 months (clause 6.1.3)
VS VS
Health Companion Family First Plan 36 months.

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
Health Companion Family First Plan Covered up to the sum insured. Includes robotic surgery, stereotactic radiosurgery, deep brain stimulation, oral chemotherapy and other listed treatments.

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
Health Companion Family First Plan Once every policy year from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Individual: ₹5,000 maximum per insured. Floater: ₹10,000 per policy. Booked through the app, cashless only.

Pre-Hospitalisation
Smart Super Health Up to 60 days before admission, within the sum insured
VS VS
Health Companion Family First Plan 60 days before admission, up to the sum insured

Post-Hospitalisation
Smart Super Health Up to 90 days after discharge, within the sum insured
VS VS
Health Companion Family First Plan 180 days after discharge, up to the sum insured

Outpatient Department Cover (OPD Expense)
Smart Super Health Up to 90 days after discharge, within the sum insured
VS VS
Health Companion Family First Plan Not covered. OPD treatment is an excluded expense.

Deductible Option
Smart Super Health No deductible option is listed in the wording. Hospital cash has a one-day deductible.
VS VS
Health Companion Family First Plan Annual aggregate deductible of ₹10,000, ₹20,000, ₹30,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh. Does not apply to health checks, animal bite or hospital cash.

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
Health Companion Family First Plan Individual or floater, with optional hospital cash, personal accident and deductible

Claim Settlement Ratio
Smart Super Health FY 24-25: ~84%
VS VS
Health Companion Family First Plan Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27).

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
Health Companion Family First Plan Not covered. Maternity expenses are an excluded expense.

Insurance Plans Comparison

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Explore Insurance Category

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

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

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

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