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Insurance Plans Comparison

TATA AIG Health SuperCharge vs Niva Bupa Health Companion Variant 1

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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TATA AIG

Health SuperCharge

Grow a family floater by 50% of the base sum insured at every renewal, even after a claim, until the bonus reaches 500% of that base, and restore 100% of the sum insured once in a policy year.

What Makes It Special:

Tata AIG Health Supercharge is a family floater health insurance plan that combines hospitalisation coverage with long-term coverage growth, wellness rewards and restoration benefits. It offers the 5X Supercharge Bonus, which increases the Base Sum Insured by 50% at every renewal, irrespective of claims, up to a maximum of 500%...

Best For:

  • Customers looking for family floater health insurance with flexible coverage options

  • Families seeking restoration benefits and optional enhanced coverage

  • People looking for wellness rewards that can be used for eligible healthcare expenses

  • Customers who want to increase their coverage through the 5X Supercharge Bonus

  • Families looking for health insurance coverage with long-term bonus accumulation benefits

VS
Niva Bupa

Health Companion Variant 1

Add 20% of the base sum insured each claim-free year up to 100%, refill the base sum insured once for a different illness, and get animal-bite vaccination up to ₹2,500 with a check-up once every 2 years.

What Makes It Special:

Health Companion Variant 1 is a Niva Bupa floater covering hospitalisation, day care, AYUSH and domiciliary treatment, with a refill benefit and no-claim bonus. Variant-specific terms are not separated in the prospectus.

Best For:

  • Buyers who do not need maternity or OPD cover

  • Buyers who need hospitalisation, day care and AYUSH cover

  • Buyers who want optional daily hospital cash

  • Buyers who want a no-claim bonus that builds to 100%

  • Families who want a floater with a refill benefit

Insurance Plans Comparison

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Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

TATA AIG Health SuperCharge

  • Review optional covers such as Restore Infinity, Advanced Cover and Consumables Benefit to understand which additional benefits are available for your chosen plan.

  • Check the waiting periods and co-payment conditions, as these can vary based on the selected plan, age, treatment zone and hospital network.

  • This plan may suit you if you want wellness rewards for eligible OPD consultations, diagnostics, medicines and other specified healthcare expenses.

  • Consider this plan if you want a Restore Benefit that reinstates 100% of the Sum Insured once during the policy year, subject to policy terms.

  • Consider this plan if you want a 5X Supercharge Bonus that can grow up to 500% of the Base Sum Insured.

Niva Bupa Health Companion Variant 1

  • Buyers who do not need maternity or OPD cover

  • Hospital cash requires at least 48 hours in hospital.

  • Maternity is not covered, so plan separately if needed.

  • The refill applies only once a policy year.

  • The 36-month PED wait applies, so buy early if you have an existing condition.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health SuperCharge
Health SuperCharge

Health Insurance Plan

Brochure

Policy Wording

VS
Health Companion Variant 1
Health Companion Variant 1

Health Insurance Plan

Brochure

Room Rent

Health SuperCharge

Room eligibility varies by plan. Value Plan and Geo Plan have different room and network conditions.

VS

Health Companion Variant 1

  1. Room Rent Limit: No limit on room category, allowing flexibility in choosing any hospital room.
  2. ICU Limit: No capping on ICU charges, ensuring full coverage for intensive care treatments as per the sum insured.
ICU Charges

Health SuperCharge

ICU expenses are covered, subject to the Sum Insured and applicable policy terms.

VS

Health Companion Variant 1

Covered up to the sum insured as part of in-patient care

Advanced Treatments

Health SuperCharge

Information Unavailable

VS

Health Companion Variant 1

  1. Robotic and CyberKnife Surgery.
  2. Bariatric Surgery.
  3. Modern Cancer Treatments
  4. Organ Transplant Coverage
Co-payment

Health SuperCharge

Co-payment may apply depending on entry age, selected plan, treatment zone and network usage.

VS

Health Companion Variant 1

Niva Bupa Health Companion Variant 1 does not have a mandatory co-payment for policyholders below 65 years. However, for individuals aged 65 and above, a 20% co-payment applies to all claims.

Disease-wise sublimits

Health SuperCharge

Certain treatments may have specific limits. Refer to the policy wording and selected plan for applicable sublimits.

VS

Health Companion Variant 1

No disease sublimit schedule in the prospectus

Cashless Healthcare Providers

Health SuperCharge

Value Plan uses Valued Provider Pan India hospitals; Geo Plan uses Network Providers. Cashless treatment is subject to pre-authorisation and policy terms.

VS

Health Companion Variant 1

10,000+ network hospitals.

Restoration Benefit

Health SuperCharge

The standard Restore Benefit reinstates 100% of the Sum Insured once during the policy year when available coverage becomes insufficient. Optional Restore Infinity provides further restoration, subject to its terms.

VS

Health Companion Variant 1

Information Unavailable

Cumulative Bonus

Health SuperCharge

5X Supercharge Bonus adds 50% of the Base Sum Insured at every renewal, irrespective of claims, up to 500% of the Base Sum Insured.

VS

Health Companion Variant 1

20% of the expiring base sum insured per claim-free year, up to 100%

Daycare Treatment

Health SuperCharge

Eligible daycare procedures are covered, subject to policy terms.

VS

Health Companion Variant 1

Covered under the policy. 

Consumable Cover

Health SuperCharge

Available through the optional Consumables Benefit, subject to the policy terms.

VS

Health Companion Variant 1

Prescribed medicines and consumables during treatment are covered. Annexure II items are not.

AYUSH Treatment

Health SuperCharge

Eligible AYUSH treatment is covered, subject to the applicable policy terms and limits.

VS

Health Companion Variant 1

Covered under this policy

Initial Waiting Period

Health SuperCharge

30 days for illnesses, subject to policy terms and applicable exceptions.

VS

Health Companion Variant 1

30 days, except accidents

Specific Waiting Period

Health SuperCharge

24 months for specified diseases and procedures, subject to policy terms.

VS

Health Companion Variant 1

24 months for listed conditions

PED Waiting Period

Health SuperCharge

36 months under the base plan. The optional Advanced Cover can reduce the waiting period to 30 days for Diabetes, Hypertension, Hyperlipidemia and Asthma.

VS

Health Companion Variant 1

36 months

Modern Treatment

Health SuperCharge

Eligible modern treatments are covered, subject to the selected plan and applicable policy limits.


VS

Health Companion Variant 1

Covered up to the sum insured

Annual Health Checkup

Health SuperCharge

Available through the optional Preventive Annual Health Check-Up cover, subject to its terms.

VS

Health Companion Variant 1

Annual from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Cashless only.

Pre-Hospitalisation

Health SuperCharge

Covered subject to the applicable policy terms and limits. Confirm the exact coverage period from the product wording.

VS

Health Companion Variant 1

60 days before admission

Post-Hospitalisation

Health SuperCharge

Covered, subject to the applicable policy limits and terms. Confirm the exact coverage period from the product wording

VS

Health Companion Variant 1

180 days after discharge

Outpatient Department Cover (OPD Expense)

Health SuperCharge

Wellness rewards can be redeemed for eligible OPD consultations, diagnostics, medicines and other specified expenses, subject to programme terms.

VS

Health Companion Variant 1

Not covered

Deductible Option

Health SuperCharge

Optional deductible available, subject to the selected option and Policy Schedule.

VS

Health Companion Variant 1

Annual aggregate deductible from ₹10,000 to ₹10 lakh

Coverage Options

Health SuperCharge

Sum Insured and coverage options vary by plan and selected configuration. Refer to the applicable policy schedule.

VS

Health Companion Variant 1

Individual or floater, with optional hospital cash, personal accident and deductible

Claim Settlement Ratio

Health SuperCharge

Not mentioned in the available Health Supercharge reference.

VS

Health Companion Variant 1

Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27).

Maternity Cover

Health SuperCharge

Maternity coverage is not identified as a standard base benefit in the available Health Supercharge reference.

VS

Health Companion Variant 1

Not covered

Insurance Plans Comparison

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Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

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Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

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