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Insurance Plans Comparison

TATA AIG Health SuperCharge vs Care Heart

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
Care

Heart

Specialised Cardiac Health Insurance with 2-Year Cardiac PED Waiting Period

What Makes It Special:

Care Heart Health Insurance is a specialized policy designed for people with existing heart conditions or cardiac risks. It provides comprehensive coverage for hospitalization, surgeries, and treatments related to heart ailments, including pre and post-hospitalization expenses. The plan also covers annual health check-ups, ambulance charges, and optional add-ons for enhanced...

Best For:

  • Focused Protection for Cardiac Patients

  • Covers Pre and Post Hospitalization

  • Annual Health Check-Up Included

  • Lifelong Policy Renewability Option

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.

Care Heart

  • You have a past history of heart disease

  • You need coverage for cardiac-related hospitalization expenses

  • You want insurance despite pre-existing heart conditions

  • You seek affordable premiums for heart-focused care

  • You prefer lifelong renewability with cardiac protection

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
Heart
Heart

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health SuperCharge

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

VS

Heart

Up to ₹3 L sum insured – 1% of Sum Insured per day

Above ₹3 L sum insured – Single Private Room

ICU Charges

Health SuperCharge

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

VS

Heart

Up to ₹3 L sum insured – 2% of Sum Insured per day

Above ₹3 L sum insured – No Limit

Co-payment

Health SuperCharge

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

VS

Heart

In-built co-payment: 20% if entry age ≤ 70 years, 30% if entry age > 70 years.

Disease-wise sublimits

Health SuperCharge

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

VS

Heart

Yes

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

Heart

21700+ Healthcare Providers

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

Heart

Provides 1 restoration of the base cover upon exhaustion, applicable for unrelated illnesses only

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

Heart

Your sum insured increases by 10% each policy year as a No-Claim Bonus, up to 50% of the sum insured. The bonus reduces by 10% for every claim paid

Daycare Treatment

Health SuperCharge

Eligible daycare procedures are covered, subject to policy terms.

VS

Heart

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

Consumable Cover

Health SuperCharge

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

VS

Heart

No. However available as an add-on.

AYUSH Treatment

Health SuperCharge

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

VS

Heart

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

Initial Waiting Period

Health SuperCharge

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

VS

Heart

30 days

Specific Waiting Period

Health SuperCharge

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

VS

Heart

2 years

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

Heart

2 years

Modern Treatment

Health SuperCharge

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


VS

Heart

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

Annual Health Checkup

Health SuperCharge

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

VS

Heart

Health check-up is available from the first policy year

Pre-Hospitalisation

Health SuperCharge

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

VS

Heart

You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Health SuperCharge

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

VS

Heart

You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it.

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

Heart

OPD expense is not included

Deductible Option

Health SuperCharge

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

VS

Heart

Not available

Coverage Options

Health SuperCharge

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

VS

Heart

Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L

Claim Settlement Ratio

Health SuperCharge

Not mentioned in the available Health Supercharge reference.

VS

Heart

96%

Maternity Cover

Health SuperCharge

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

VS

Heart

Not available

Insurance Plans Comparison

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Why Choose Our Expert Consultation?

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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

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

Insurance Plans Comparison

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Senior Citizen Health Plan

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  • Tailored for seniors healthcare needs

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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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