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Insurance Plans Comparison

TATA AIG Health SuperCharge vs Star Comprehensive

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

Health SuperCharge

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
Star

Comprehensive

Family health insurance with maternity, OPD, dental and eye cover, 100% restoration and up to 100% cumulative bonus.

What Makes It Special:

An all-in-one family health plan that combines hospitalisation cover with maternity and new-born cover, OPD consultations, dental and eye care, hospital cash, bariatric surgery and accidental death/disability cover in a single policy.

Best For:

  • People under 61 who want to avoid co-payment

  • Buyers looking for a fast-growing bonus (100% after one claim-free year for SI ₹7.5L+)

  • People who want OPD, dental and eye expenses included

  • Families wanting individual or floater cover up to ₹1 crore

  • Young couples planning a family (maternity and new-born cover)

Insurance Plans Comparison

Get Personalized Advice

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

  • 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.

  • Things to Consider: Premiums vary by city zone.

  • Things to Consider: Modern treatments and bariatric surgery have sublimits.

  • Things to Consider: Maternity needs both spouses covered for 24 months, and delivery limits are modest at lower SI.

  • Things to Consider: 10% co-payment for people who join at age 61 or above.

  • Things to Consider: 36-month PED waiting period, unless you buy the optional PED buy-back (reduces it to 12 months).

  • Reasons to Consider: 60 days of pre- and 90 days of post-hospitalisation cover, plus air ambulance and home care.

  • Reasons to Consider: Cumulative bonus up to 100% of SI, plus 100% restoration once a year (usable for the same illness).

  • Reasons to Consider: OPD consultations and dental/eye treatment covered outside the Sum Insured.

  • Reasons to Consider: Delivery (up to 2) and new-born cover after 24 months.

  • Reasons to Consider: Private single AC room with no fixed room rent cap.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health SuperCharge
Health SuperCharge

Health Insurance Plan

VS
Comprehensive
Comprehensive

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

Comprehensive

Information Unavailable

ICU Charges

Health SuperCharge

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

VS

Comprehensive

Covered up to Sum Insured; no separate ICU cap.

Advanced Treatments

Health SuperCharge

Information Unavailable

VS

Comprehensive

Coverage includes robotic surgeries, stem cell therapy, organ transplants, modern cancer treatments, bariatric surgery, and advanced cardiac procedures as per policy terms.

Co-payment

Health SuperCharge

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

VS

Comprehensive

This policy is subject to co-payment of 10% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above

Disease-wise sublimits

Health SuperCharge

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

VS

Comprehensive

Information Unavailable

Waiting Period

Health SuperCharge

Information Unavailable

VS

Comprehensive

  1. Initial Waiting Period: A 30-day waiting period applies from the policy's inception, during which claims are not admissible, except for those arising from accidents. 
     
  2. Pre-existing Disease Waiting Period: For the Silver plan, pre-existing diseases are covered after 48 months of continuous coverage. For Gold and Platinum plans, this period is reduced to 24 months.
     
  3. Specific Disease/Procedure Waiting Period: For individuals above 45 years of age, certain listed illnesses and procedures are covered after a 24-month waiting period from the policy's inception.
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

Comprehensive

Access to over 14,000+  cashless healthcare providers for seamless treatment.

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

Comprehensive

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

Comprehensive

SI ₹5L: 50% of Basic SI per claim-free year, max 100%. SI ₹7.5L and above: 100% of Basic SI after one claim-free year, max 100%.

Daycare Treatment

Health SuperCharge

Eligible daycare procedures are covered, subject to policy terms.

VS

Comprehensive

covered by the policy.

Consumable Cover

Health SuperCharge

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

VS

Comprehensive

Not mentioned (no separate consumables cover in the policy documents).

AYUSH Treatment

Health SuperCharge

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

VS

Comprehensive

AYUSH treatments are covered up to the sum insured.

Initial Waiting Period

Health SuperCharge

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

VS

Comprehensive

30 days (accidents excepted)

Specific Waiting Period

Health SuperCharge

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

VS

Comprehensive

24 months for listed diseases/procedures; 36 months for Bariatric Surgery; 24 months for Delivery and New Born cover

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

Comprehensive

Information Unavailable

Modern Treatment

Health SuperCharge

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


VS

Comprehensive

  1. Covered up to treatment-wise sublimits that vary by Sum Insured, e.g. robotic surgery ₹2.5L (SI ₹5L) to ₹7.5L (SI ₹1 Cr); immunotherapy ₹2.5L to ₹10L; bronchial thermoplasty, prostate vaporisation and IONM up to Sum Insured. Part of Sum Insured.
Annual Health Checkup

Health SuperCharge

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

VS

Comprehensive

Information Unavailable

Pre-Hospitalisation

Health SuperCharge

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

VS

Comprehensive

Information Unavailable

Post-Hospitalisation

Health SuperCharge

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

VS

Comprehensive

Information Unavailable

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

Comprehensive

Information Unavailable

Deductible Option

Health SuperCharge

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

VS

Comprehensive

Information Unavailable

Coverage Options

Health SuperCharge

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

VS

Comprehensive

Information Unavailable

Claim Settlement Ratio

Health SuperCharge

Not mentioned in the available Health Supercharge reference.

VS

Comprehensive

Information Unavailable

Maternity Cover

Health SuperCharge

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

VS

Comprehensive

Information Unavailable

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

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

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  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

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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

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