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Insurance Plans Comparison

Star Assure vs TATA AIG Health SuperCharge

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

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Star

Assure

Star Health Assure Insurance Policy

What Makes It Special:

Star Health Assure is a flexible, high-limit health insurance plan designed for individuals and families, with coverage options from ₹5 lakh up to ₹2 crore. The plan offers cashless hospitalization across a wide network, daily hospital cash benefits, and no room rent restrictions on standard rooms. It features lifetime renewability,...

Best For:

  • Unlimited restoration option plan

  • Premium floater family health plan

  • Flexible high-sum insured protection

  • Flexible options for payment of premium

VS
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

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

  • You want maternity and newborn coverage included

  • You want no room rent capping for standard rooms

  • You value unlimited restoration of sum insured

  • You want coverage up to ₹2 crore for family

  • 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.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Assure
Assure

Health Insurance Plan

Brochure

VS
Health SuperCharge
Health SuperCharge

Health Insurance Plan

Room Rent

Assure

Capped at up to 1% of Sum Insured per day for a ₹5 Lakh cover. For ₹10 Lakh to ₹25 Lakh cover: Any room allowed except suites. For ₹50 Lakh to ₹2 Crore cover: Any room category with zero restrictions (Suites included). Proportionate deduction applies if an higher room tier is chosen.

VS

Health SuperCharge

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

ICU Charges

Assure

No restriction on ICU room rent

VS

Health SuperCharge

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

Disease-wise sublimits

Assure

No

VS

Health SuperCharge

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

Co-payment

Assure

0% for entries up to age 60. A mandatory 10% co-payment applies to each and every claim if the insured person's age at entry is 61 years or older.

VS

Health SuperCharge

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

Restoration Benefit

Assure

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

VS

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.

Cashless Healthcare Providers

Assure

14000+ Healthcare Providers

VS

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.

Cumulative Bonus

Assure

25% of the Sum Insured for each claim-free year, up to a maximum of 100%.


VS

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.

Daycare Treatment

Assure

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

VS

Health SuperCharge

Eligible daycare procedures are covered, subject to policy terms.

AYUSH Treatment

Assure

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

VS

Health SuperCharge

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

Consumable Cover

Assure

Yes

VS

Health SuperCharge

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

Initial Waiting Period

Assure

30 days.

VS

Health SuperCharge

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

Specific Waiting Period

Assure

2 years

VS

Health SuperCharge

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

PED Waiting Period

Assure

36 months (3 years) for 1 and 2-year policy terms; reduced to 30 months if a 3-year policy term is chosen up front.

VS

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.

Modern Treatment

Assure

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

VS

Health SuperCharge

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


Annual Health Checkup

Assure

Health check-up is available once every policy year, from day 1 of the policy

VS

Health SuperCharge

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

Pre-Hospitalisation

Assure

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

VS

Health SuperCharge

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

Post-Hospitalisation

Assure

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

VS

Health SuperCharge

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

Outpatient Department Cover (OPD Expense)

Assure

Not included for general consultations or regular pharmacies. Outpatient benefits are available exclusively for Chronic Severe Refractory Asthma up to specified policy sub-limits.

VS

Health SuperCharge

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

Deductible Option

Assure

Available as an option

VS

Health SuperCharge

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

Coverage Options

Assure

Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr

VS

Health SuperCharge

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

Claim Settlement Ratio

Assure

82.31%

VS

Health SuperCharge

Not mentioned in the available Health Supercharge reference.

Maternity Cover

Assure

Covered up to 10% of the Sum Insured after a continuous 24-month waiting period. Requires both spouses to be covered under the same policy.

VS

Health SuperCharge

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

Insurance Plans Comparison

Still Confused? Get Expert Advice

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

Why Choose Our Expert Consultation?

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Free Expert Consultation

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Talk to experienced advisors at no cost, and make confident decisions

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24/7 Claim Assistance

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

Expert-Led Policy Review

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

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

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)

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