ICICI Smart Super Health Insurance Plan
ICICI Lombard
8.8/10
OneAssure Rating
8.8/10
OneAssure Rating
Highlighted Features
Room Rent & ICU Coverage
Covers hospital room and ICU charges up to the sum insured, ensuring policyholders receive necessary medical care without additional financial burden.
Advanced Medical Treatments
Includes robotic surgeries, stem cell therapy, deep brain stimulation, bronchial thermoplasty, and IONM, offering access to cutting-edge medical procedures for complex health conditions.
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Our Verdict
ICICI Lombard Smart Super Health Insurance offers extensive coverage with sum restoration and AYUSH benefits. Ideal for individuals and families seeking high coverage with comprehensive hospitalization support.
About the Plan
The ICICI Lombard Smart Super Health Insurance Plan offers comprehensive coverage with sum insured options ranging from ₹5 lakh to ₹1 crore. It includes in-patient hospitalization, pre-hospitalization (60 days), post-hospitalization (90 days), day care treatments, and domiciliary hospitalization. The plan features a 100% sum insured restoration benefit and covers alternative treatments under AYUSH. Policyholders can avail cashless treatment across a vast network of hospitals. Pre-existing diseases are covered after a 48-month waiting period.
About the Plan
Product Stats
Rating
Features of the Product
Co-payment
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.
Room Rent
- Normal: Covered Up to Sum Insured
- ICU: Covered Up to Sum Insured
Advanced Treatments
- Robotic surgeries
- Stem cell therapy
- Deep brain stimulation
- Bronchial thermoplasty
- Intra-operative neuro monitoring (IONM)
Waiting Period
- Initial Waiting Period: 30 days (except for accidental injuries).
- Pre-existing Diseases: Covered after 48 months
- Specific Illnesses & Surgical Procedures: 24-month waiting period
Cashless Healthcare Providers
The policy provides access to over 10,000+ network hospitals, ensuring cashless treatment at recognized healthcare facilities.
Daycare Treatment
Covers all day care procedures requiring hospitalization of less than 24 hours. Treatments such as cataract surgery, chemotherapy, and minor surgical procedures are included.
AYUSH Treatment
Alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) are covered.
Exclusions
30-day initial waiting period for all claims (except accidents).
24-month waiting period for specific illnesses and surgical procedures.
48-month waiting period for pre-existing diseases.
Self-inflicted injuries, suicide attempts, or injuries due to substance abuse.
Cosmetic or plastic surgeries, unless medically necessary.
Injuries from hazardous sports or professional adventure activities like mountaineering, deep-sea diving, or racing.
War, terrorism, or nuclear exposure-related treatments.
Experimental treatments or unproven procedures without medical backing.
Exclusions
Related Variants
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Why OneAssure?
We help you maximize your coverage over time for stronger protection.
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 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.
About the Company
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