Insurance Plans Comparison
ICICI Lombard Smart Super Health vs TATA AIG Medicare Select
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
Medicare Select
Comprehensive Health Insurance with Flexible Coverage Options, Unlimited Restoration and Customisable Benefits
What Makes It Special:
TATA AIG MediCare Select is a customisable health insurance plan offering individual and family floater coverage. It combines core hospitalisation benefits with optional features that allow policyholders to adjust their cover to their needs and budget.
Best For:
Flexible sum insured options
Critical illness and daycare treatments
Pre- and post-hospitalization expenses covered
Comprehensive individual and family coverage
Insurance Plans Comparison
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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.
Covers daycare treatments without overnight stay.
Pre- and post-hospitalization expenses included.
Safeguards against critical illness and emergencies.
Comprehensive coverage for hospitalization and treatment.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Smart Super Health Health Insurance Plan VS VS |
![]() Medicare Select Health Insurance Plan |
| Room Rent |
|---|
Smart Super Health
|
VS VS |
Medicare Select Single private AC room is included as part of base cover. However, you can opt for add-on to downgrade the room category |
| Advanced Treatments |
|---|
Smart Super Health
|
VS VS |
Medicare Select 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 |
Medicare Select 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 |
Medicare Select Not available |
| 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 |
Medicare Select 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 |
Medicare Select 12,000+ 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 |
Medicare Select es, your sum insured restores to 100% unlimited times after your first claim, 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 |
Medicare Select 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 |
Medicare Select Your sum insured increases by 50% for every claim-free year, upto 100%. If a claim is made during the policy year, the cumulative bonus is reduced by 50% in the next policy year |
| AYUSH Treatment |
|---|
Smart Super Health Alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) are covered. |
VS VS |
Medicare Select 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 |
Medicare Select No. However, available as an add-on |
| Initial Waiting Period |
|---|
Smart Super Health 30 days from inception, except for accidents |
VS VS |
Medicare Select 30 days |
| Specific Waiting Period |
|---|
Smart Super Health 2 years for listed illnesses and procedures (clause 6.1.2) |
VS VS |
Medicare Select 2 years |
| PED Waiting Period |
|---|
Smart Super Health 48 months (clause 6.1.3) |
VS VS |
Medicare Select 3 years |
| 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 |
Medicare Select 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 |
Medicare Select Health checkup is not included as part of base cover. However, available as an add-on |
| Pre-Hospitalisation |
|---|
Smart Super Health Up to 60 days before admission, within the sum insured |
VS VS |
Medicare Select You get cover for medical tests and doctor visits up to 90 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 |
Medicare Select You get cover for medical bills up to 90 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 |
Medicare Select OPD expense is not included as part of base cover. However, available as an add-on |
| Deductible Option |
|---|
Smart Super Health No deductible option is listed in the wording. Hospital cash has a one-day deductible. |
VS VS |
Medicare Select 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 |
Medicare Select Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr |
| Claim Settlement Ratio |
|---|
Smart Super Health FY 24-25: ~84% |
VS VS |
Medicare Select 95.43% |
| 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 |
Medicare Select Available |
Insurance Plans Comparison
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