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Insurance Plans Comparison

TATA AIG Health SuperCharge vs Star Health Gain

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

Health Gain

Flexible Health Insurance with Hospitalisation and OPD Benefits

What Makes It Special:

Inpatient Hospitalisation and Outpatient Medical Expenses

Best For:

  • Customers looking for daycare and eligible AYUSH treatment coverage.

  • Customers who use outpatient services at networked facilities.

  • Customers seeking flexible Sum Insured options.

  • Families looking for Individual or Family Floater coverage.

  • Individuals seeking inpatient and outpatient health insurance 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

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.

Star Health Gain

  • Check the treatment-specific sublimits.

  • Review the pre- and post-hospitalisation benefit periods.

  • Check the selected OPD benefit limit.

  • Understand the waiting periods for pre-existing diseases and specified treatments.

  • Review the co-payment applicable to entry age 61 and above.

  • Check the room rent limit.

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 Gain
Health Gain

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 Gain

  1. Up to 1% of the basic Sum Insured per day.
ICU Charges

Health SuperCharge

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

VS

Health Gain

Covered as part of eligible hospitalisation expenses.

Co-payment

Health SuperCharge

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

VS

Health Gain

20% for insured persons whose age at 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

Health Gain

Sublimits apply to specified treatments, including cataract and listed modern treatments.

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 Gain

Cashless treatment is available at eligible network hospitals, subject to pre-authorisation.

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 Gain

Not specified.

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 Gain

Not specified.

Daycare Treatment

Health SuperCharge

Eligible daycare procedures are covered, subject to policy terms.

VS

Health Gain

Eligible daycare procedures are covered, subject to policy terms.

Consumable Cover

Health SuperCharge

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

VS

Health Gain

Not specified.

AYUSH Treatment

Health SuperCharge

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

VS

Health Gain

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered, subject to policy terms.

Initial Waiting Period

Health SuperCharge

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

VS

Health Gain

30 days, except for covered accident-related claims.

Specific Waiting Period

Health SuperCharge

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

VS

Health Gain

24 months for specified diseases and procedures.

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 Gain

36 months for pre-existing diseases.

Modern Treatment

Health SuperCharge

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


VS

Health Gain

Specified modern treatments are covered, subject to policy limits.

Annual Health Checkup

Health SuperCharge

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

VS

Health Gain

Not specified.

Pre-Hospitalisation

Health SuperCharge

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

VS

Health Gain

Covered for up to 30 days before hospital 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 Gain

Covered for up to 60 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 Gain

Available at networked facilities in India, up to the selected benefit limit.

Deductible Option

Health SuperCharge

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

VS

Health Gain

Not specified.

Coverage Options

Health SuperCharge

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

VS

Health Gain

Individual and Family Floater.

Claim Settlement Ratio

Health SuperCharge

Not mentioned in the available Health Supercharge reference.

VS

Health Gain

Insurer-level metric, not a policy benefit.

Maternity Cover

Health SuperCharge

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

VS

Health Gain

Maternity expenses are excluded, except for the specified ectopic pregnancy exception.

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?

End-to-End Support

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From choosing the right policy to managing claims, every step is handled for you

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Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

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

24/7 Claim Assistance

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)

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

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