What illnesses are covered under Smart Super Health Assure?

The plan covers six specified critical illnesses: cancer, coronary artery bypass graft surgery, heart attack, kidney failure, major organ transplant (recipient), and stroke.

How does the payout work in this plan?

Policyholders can choose either a lump sum payout or installment payout over five years. The installment option can provide up to 105% of the sum assured depending on diagnosis timing.

Is hospitalization reimbursement available under this plan?

No, this is not a regular mediclaim or hospitalization reimbursement plan. The policy pays a fixed benefit amount on diagnosis of covered critical illnesses.

What happens if a critical illness is diagnosed during the initial waiting period?

If diagnosed within the first six months from policy issuance, the premiums paid (excluding extra premiums) are refunded and the policy terminates.

OneAssure

Health Insurance

ICICI Lombard

Smart Super Health Assure

Experience India's most trusted health insurance with ICICI Lombard Health Insurance. Get instant cashless treatment at 9000 network hospitals with sum insured up to ₹50 lakhs.

97.16%

Claim Settlement Ratio

9000+

Network Hospitals

0

Customer Rating

Policy Brochure

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97.16%

Claim Settlement Ratio

9000+

Network Hospitals

0

Customer Rating

Policy Brochure

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

About ICICI Lombard 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.

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...

Assure Ratings

Ratings: ICICI Lombard 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 and Exclusions

Inclusions and Exclusions of ICICI Lombard Smart Super Health Assure

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

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

Exclusions

Not available

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About the company

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...

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...