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...
Read moreHealth 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
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
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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
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 Insurance Plan VS VS |
![]() Comprehensive Health Insurance Plan |
| Room Rent |
|---|
Health SuperCharge Room eligibility varies by plan. Value Plan and Geo Plan have different room and network conditions. |
VS VS |
Comprehensive Information Unavailable |
| ICU Charges |
|---|
Health SuperCharge ICU expenses are covered, subject to the Sum Insured and applicable policy terms. |
VS VS |
Comprehensive Covered up to Sum Insured; no separate ICU cap. |
| Advanced Treatments |
|---|
Health SuperCharge Information Unavailable |
VS 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 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 VS |
Comprehensive Information Unavailable |
| Waiting Period |
|---|
Health SuperCharge Information Unavailable |
VS VS |
Comprehensive
|
| 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 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 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 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 VS |
Comprehensive covered by the policy. |
| Consumable Cover |
|---|
Health SuperCharge Available through the optional Consumables Benefit, subject to the policy terms. |
VS 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 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 VS |
Comprehensive 30 days (accidents excepted) |
| Specific Waiting Period |
|---|
Health SuperCharge 24 months for specified diseases and procedures, subject to policy terms. |
VS 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 VS |
Comprehensive Information Unavailable |
| Modern Treatment |
|---|
Health SuperCharge Eligible modern treatments are covered, subject to the selected plan and applicable policy limits. |
VS VS |
Comprehensive
|
| Annual Health Checkup |
|---|
Health SuperCharge Available through the optional Preventive Annual Health Check-Up cover, subject to its terms. |
VS 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 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 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 VS |
Comprehensive Information Unavailable |
| Deductible Option |
|---|
Health SuperCharge Optional deductible available, subject to the selected option and Policy Schedule. |
VS 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 VS |
Comprehensive Information Unavailable |
| Claim Settlement Ratio |
|---|
Health SuperCharge Not mentioned in the available Health Supercharge reference. |
VS 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 VS |
Comprehensive Information Unavailable |
Insurance Plans Comparison
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Insurance Plans Comparison
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Maternity Health Plan
Covers delivery, newborn care, and maternity expenses
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Frequently Asked Questions (FAQs)
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