ICICI Lombard Smart Super Health Insurance Plan

Finding the proper insurance coverage of health in India would be a daunting task. Is the ICICI Lombard Smart Super Health Insurance Plan really a good plan? Let us examine it in detail to see whether it can cater to your needs or not. By 2025, healthcare expenses will expand regularly, and it will be important to consider your options carefully.

In this article, a full account of the ICICI Lombard Smart Super Health Insurance Plan, its features, restrictions, the people that it is suitable to, the comparison to the top alternatives and frequently asked questions are given.

What Is ICICI Lombard Smart Super Health Insurance Plan?

ICICI Lombard Smart Super Health Insurance Plan is a complete health-care policy created by ICICI Lombard General Insurance Company. This is meant to cover a vast protection of various people and families against the rising healthcare costs.

The outstanding feature of this policy is that the policy has modular add-ons, higher sum insured options, and no-claim bonus boosters; hence it is very popular among salaried professionals, family planning couples and families in the Indian metros.

What are the Features or Highlights?

The plan has a core benefit and a number of optional benefits that allow making protection specific to your needs. In 2025 you get this:

Major Features:

• Policy covers: Sum Insured Options Rs 5 Lakh to Rs 2 Crore.
• Room Rent Flexibility: Insured against maximum amount of insurance.
• Coverage for All Ages: Entry age from 91 days (children) to 99 years (adults).
• Day Care Treatments: Covers more than 600 day-care treatments.
• Pre and Post Hospitalisation: up to 60 days pre hospitalisation and 180 days post hospitalisation.
• No-Claim Bonus: Additional covers of up to 100 percent of the years that an individual has not claims.
• Digital Claims Processing: Paper free and quick by use of a mobile app.
• More Protection: As add-ons, optional protection of critical illness, maternity and newborn baby.
• Restoring Benefit: Unrelated diseases 100 percent restoration of sum insured during the policy year.
• OPD Cover: Optional add-on for doctor’s consultation and tests not requiring hospitalisation.

What you did not know?
More than 45 percent of the new policyholders in the Indian metros in 2025 will opt for health insurance plans with online claim and outpatient facility (OPD) since the cost of outpatient services has been rising.

What Can This Scheme Do to Families?

The ICICI Lombard Smart Super Health policy can be taken as an individual plan or as a floater policy (one sum insured shared among family members). Most families with up to four members (two adults and two children) opt for the floater variant, finding it more economical.

This news has some key takeaways for families:

• Discounts on family floater in case you are covering more than two family members.
• Maternity and newborn cover up to determined limits.
• Preventive checkup and reward points wellness program.
• In the case of joint families or families with old parents, the plan can easily include parents, in-laws, and siblings in a single policy with a distinct sum insured as per the necessity.

The other questions raised by people are:
Are older parents than 60 years eligible to this plan?
Yes, parents of up to 99 years of age can also be added but the premium and medical screening fee is raised according to age.

What Are the Key In and Outs?

The ICICI Lombard Smart Super Plan is covered under:

• Hospitalization expenses (in-patient)
• Pre-existing diseases of 2 years waiting period
• Pre and post hospitalisation health costs
• Medical costs of emergency ambulance
• Day care processes
• Domiciliary hospitalization
• AYUSH treatments
• Costs of organ donors
• ICU charges

Not Covered

• Illnesses within 30 days of policy start date (except accidents)
• Cosmetic procedures
• Tooth work that is not necessary because of accident
• First 2 years-pre-existing diseases
• Substance abuse or self inflicted injuries

Words of the expert:
The intelligent health plan is high-coverage plus fast-claims and adjustable to include more benefits as you age or when you have a bigger family.
– Insurance consultant, Dr. Kavita Sharma, Delhi

Advantages and Disadvantages of the ICICI Lombard Smart Super Health Plan?

Pros

• Multiple options of sum insured, both basic and premium segment.
• Every age group is addressed including toddlers and elderly to age 99 years.
• Good network of 6,500 plus hospitals to settle cashless claim.
• Heavy day care and twentieth century medical procedure cover.
• Digital claims and e-cards to allow smooth hospital admission.
• Personalisation add-ons.

Cons

• Does not cover non-allopathic (except AYUSH) or experimental therapies.
• It attracts additional cost in its maternity and OPD covers.
• There is a 2-year waiting period on pre-existing conditions.
• The premium increases drastically with advanced age categories.
• Room rent ceiling can be present in some base version.

The other questions raised by people are:
What is the waiting period of pre-existing diseases?
Under this plan, the most pre-existing conditions are 2 years.

What are the Comparisons between ICICI Lombard Smart Super Plan and Other known Health Insurance in 2025?

Here’s a comparison table of Smart Super with other popular medical policies covering a family of four (2 adults, 2 children), sum assured Rs 10 lakh, for a typical 35 year old proposer in 2025:

Key Takeaways:

• ICICI Smart Super is a competitive position on the basis of premium and feature.
• It has top of the room rent and no-claim bonus.
• The network hospital coverage is not the biggest yet quite strong.
• Some of the more expensive plans have unlimited restoration.

What you did not know?
It is projected that the average hospitalization costs in Indian metros may continue going up by 8 percent every year until 2028. High covers, fast disbursal preferable by most policy buyers in urban areas.

Whom Should Consider Smart Super Health Insurance ICICI Lombard?

This health cover is most suitable to:

• Professional people living in the city desiring progressive, electronic policy servicing
• Nuclear families searching a compromise between price and coverage
• Parents who would like to include new born or aged guardians in the same plan
• People seeking high sum insured over critical illness risks
• Cashless hospitalization without any hassles by buyers

It is appropriate to someone who prefers to have the free will to suit the cover up year after year, as opposed to being confined into a stiff arrangement.

Another question by people is:
Does this plan contain lifelong renewal?
Yes, renewed coverage of life can be made, but no exit age is put on the policy.

What is The Claim Process and How to Use Cashless Facility?

ICICI Lombard is providing a cashless plus reimbursement claim. This is a layman breakdown:

Cashless Claim:

• Present your e-health card or policy at partner hospital.
• Hospital checks and submits claim request.
• Admission and direct payment to hospital in 2-6 hours.

Reimbursement Claim:

• Pay bill on-spot, upload documents on mobile app, or branch.
• Send bills, discharge summary as well as prescriptions electronically.
• Claim is received, processed and lodged to your bank within 7-10 days.

In 2025, 70 percent of all new claims were digital, which increased the speed and decreased physical paperwork.

Insight:
Said expert said that digital claim settlement is a must-have now among any buyer of health insurance in the urban areas. It also saves a lot of time and prevents frequent conflicts. – Sumit K. Insurance Claims Advisor

What Are the Additional Benefits and Supplements in 2025?

ICICI Lombard works in terms of customisation. Following add-ons can be mixed and matched:

• Maternity benefit and newborn baby cover: This covers newborn baby expenses, vaccination and the delivery.
• Critical illness rider: Payment of the named illness in lump sum.
• Personal accident cover: It is the insurance cover in case of either accidental death or disability.
• OPD cover: Bills, medicine, and doctor outing covered.
• Consumables benefits: surface protection and hygiene equipment, disposable gloves, vaccine protection and protection when hospitalised.

These are extra features, which are additional options with their own pricing, thus, you are free to set priorities based on lifestyle or age.

Other questions are as follows:
Is it possible to extend OPD cover later on after I purchase the plan?
Yes, OPD add-ons and others can be introduced in the renewed policy.

And What Was the Renewal and Portability Policy?

It is easy and entirely internet-based to renew. The policyholders receive text and email reminders, and premiums can be done either through UPI, credit card, or internet banking. In case you renew early, then medical retesting is not necessary.

You can also port (transfer) your existing health insurance from another insurer into the ICICI Lombard Smart Super Plan at the time of renewal. Portability also acknowledges your accrued waiting periods.

Upgrades to the policy and addition of add-ons are permissible during every renewal cycle.

What you did not know?
It is true that in India, about 18 percent policy renovators have been upgrading or switching their insurers either because of a superior online transaction or higher discounts on no-claims bonuses.

How Much are Premiums and What Is the Cost?

The premiums are pegged on:

• Age of the members who are insured
• Membership coverage
• Sum insured selected
• Optional add-ons (maternity, critical illness, etc.)
• City of residence (metro or non-metro)
• Medical history

For example, in 2025, a 30-year-old male in Mumbai choosing Rs 10 lakh cover without add-ons pays approximately Rs 7,400 annually as a single individual, and Rs 17,900 for a family floater (2 adults, 1 child). After age 50, and under high sum insured options, premiums increase drastically.

Another question people will be inquiring about GST will be:
Does the quoted premium include GST?
No. No extra, 18 per cent GST is inclusive and is charged at the time of payment.

Which are the Principal Materials I Need to Purchase the Plan?

• ID and address proof for all insured (Aadhar card, PAN)
• New pictorial passport photos
• Past medical records (for members over 45 or with known conditions)
• Application form (online/offline)
• Payment receipt

Insight of the expert:
The correct declaration of lifestyle and health conditions is fundamental. During emergencies, false or lack of proper information may result in a denial of claims.
– Dr. Nilesh Patel, Insurance Medical Underwriter

What are the Offers and Discounts?

ICICI Lombard continuously gives:

• 10 percent long term policy discount (for 2 or 3 years payment upfront)
• 10 percent family discount (for covering more than 2 members)
• No-claim bonus discount, up to 100 percent increase on sum insured in claim-free years (not direct discount on premium)
• Reward wellness points to be redeemed on the pharmacy bills or health checkups

Another question that people ask is:
Can I pay instalment on the premium?
Yes, there are possibilities of monthly and quarterly payments, which might interfere with some of the discounts.

Conclusion: Short Synopsis

TLDR:

ICICI Lombard Smart Super Health Insurance Plan is a comprehensive, tailor-made medical insurance cover that targets Indian families, individuals, and even the elderly ones to the ages of 99, by 2025. Among its main advantages it is worth mentioning high sum assured, 100 percent no claim bonus, its individual or floater status, digital type of claim, and staying popular due to the maternity and OPD care add-ons. It offers flexibility, broad access to hospitals and more modern serving features, so can be a good choice to seek it out unless you are an older applicant as it can prove more expensive. You must always compare yourself with competitors of your city and your age.

People also ask: Frequently Asked Questions

Q: Does ICICI Lombard Smart Super Plan provide cashless hospital at all hospitals?
A: The treatments without cash are offered only at network hospitals. Before going to the hospital, always visit the company website or app to inspect the latest hospital list.

Q: Should all the applicants undergo medical checkup?
A: Often, a medical check-up is necessary only when the members are over 45 or obtained any ailments.

Q: Is it possible to insure over 4 persons in one family?
A: Yes, the plan allows extension to larger families (including parents, in-laws, and siblings).

Q: Will alternate medicine be covered?
A: Yes, AYUSH (Ayurveda, Yoga, Unani, Siddha, Homeopathy) is covered as per plan policy.

Q: What about paying the claim when treatment is carried out out of India?
A: Overseas treatments are not covered unless you take special international add-on (not part of the standard plan).

Q: How can I add higher sum insured during the first year?
A: At renewal, you can get an upgrade by fresh underwriting.

Q: What happens in case I do not make a renewal in time?
A: There is a grace period of 30 days, beyond which a 30-day grace period may expire and result in a lapse of the policy as well as the loss of benefits such as continuous coverage.

Sources:

ICICI Lombard Corporation Web Site
Live Mint, 2025