OneAssure

Health Insurance

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.

97.16%

Claim Settlement Ratio

9,000+

Network Hospitals

6.5/10

Plan Rating

Policy Brochure

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Our Verdict

Expert Review: ICICI Lombard Smart Super Health Assure

Final Verdict

ICICI Prudential Smart Super Health Assure is suitable for buyers looking for fixed financial protection against major critical illnesses. The installment payout option can help manage long-term treatment and recovery expenses.

About

What Is Smart Super Health Assure?

ICICI Prudential Smart Super Health Assure is a long-term critical illness insurance plan designed to provide financial support on diagnosis of specified major illnesses. The plan covers six critical illnesses including cancer, heart attack, kidney failure, stroke, coronary artery bypass surgery, and major organ transplant. Policyholders can choose between a one-time lump sum payout or installment-based payouts over five years. The payout can be used for medical expenses, indirect treatment costs, travel, lodging, or loss of income during recovery.

Assure Ratings

Assure

Insurer Rating

8.88

out of 10

Insurance Rating

6.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions

ICICI Lombard Smart Super Health Assure Inclusions

Room Rent

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

Advanced Treatments

Major Organ Transplant (Recipient)
Coronary Artery Bypass Graft Surgery
Stroke
Cancer
Heart Attack
Kidney Failure

Co-payment

Not mentioned

Cashless Healthcare Providers

6,500 network hospitals

Waiting Period

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

Daycare Treatment

Not Applicable

AYUSH Treatment

Not Mentioned

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About the company

About ICICI Lombard

ICICI Lombard General Insurance is one of India’s leading private sector insurers, known for providing reliable and comprehensive insurance solutions. It is a joint venture between ICICI Bank, one of India’s largest private banks, and Fairfax Financial Holdings, a global financial services group. Established in 2001, ICICI Lombard has grown rapidly and now serves millions of customers across the country.
The company offers a wide range of products, including health, motor, travel, home, and personal accident insurance, catering to individuals, families, and businesses. Its health insurance offerings include regular health plans, super top-up plans, critical illness cover, and personal accident plans, all designed to provide financial protection against unexpected medical expenses.
ICICI Lombard stands out for its customer-focused approach, quick and transparent claim settlement, and a strong network of hospitals for cashless treatment. Many of its plans require minimal paperwork and no pre-policy medical check-ups, making it easy for customers to get insured. With digital tools for premium calculation, policy management, and instant claim assistance, ICICI Lombard combines technology with trusted service to make insurance accessible, simple, and dependable for every Indian.