Insurance Plans Comparison
TATA AIG Health SuperCharge vs Care Plus
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
Plus
Comprehensive Health Cover with Unlimited Recharge and Wellness Benefits
What Makes It Special:
Care Plus is a comprehensive health insurance plan from Care Health Insurance that combines hospitalisation cover with unlimited automatic recharge, inflation-linked sum insured increases, and a No Claim Bonus Protect benefit. It also offers annual health check-ups, OPD benefits and optional maternity and newborn cover. The available room category, co-payment...
Best For:
Eligible families considering optional maternity and newborn cover.
Customers interested in OPD and wellness-related benefits.
People seeking additional protection against rising medical costs.
Customers who value unlimited automatic recharge for repeated claims.
Individuals and families looking for comprehensive hospitalisation cover.
Insurance Plans Comparison
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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.
Check optional maternity cover, OPD limits, deductible choices and Smart Select co-payment conditions.
Compare the No Claim Bonus Protect and unlimited recharge conditions.
Review the 30-day initial, 24-month specific illness and 36-month PED waiting periods.
Check room eligibility carefully, particularly for sum insured below ₹5 lakh.
Choose a sum insured that reflects your family's potential hospitalisation expenses.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Health SuperCharge Health Insurance Plan VS VS |
Plus 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 |
Plus
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| ICU Charges |
|---|
Health SuperCharge ICU expenses are covered, subject to the Sum Insured and applicable policy terms. |
VS VS |
Plus For sum insured below ₹5 lakh, ICU charges are limited to 2% of the sum insured per day under the referenced brochure. For sum insured of ₹5 lakh or more, ICU charges have no separate monetary limit, subject to policy terms. |
| Advanced Treatments |
|---|
Health SuperCharge Information Unavailable |
VS VS |
Plus
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| Co-payment |
|---|
Health SuperCharge Co-payment may apply depending on entry age, selected plan, treatment zone and network usage. |
VS VS |
Plus Mandatory copayment limit of 20% for individuals above the age of 61. |
| Disease-wise sublimits |
|---|
Health SuperCharge Certain treatments may have specific limits. Refer to the policy wording and selected plan for applicable sublimits. |
VS VS |
Plus Information Unavailable |
| 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 |
Plus 24800 + network hospitals |
| 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 |
Plus Unlimited automatic recharge of the sum insured is a key advertised benefit. The brochure states that it can be used for the same insured person and the same illness. Actual utilisation remains subject to the applicable recharge rules and policy conditions. |
| 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 |
Plus The No Claim Bonus Protect benefit increases the sum insured by 50% for each claim-free policy year, up to 200% of the base sum insured. The accrued bonus can reduce after a claim, subject to the policy's claim thresholds and bonus rules. |
| Daycare Treatment |
|---|
Health SuperCharge Eligible daycare procedures are covered, subject to policy terms. |
VS VS |
Plus 3 - 7 lacs sum insured for up to 24 hour hospitalization. |
| Consumable Cover |
|---|
Health SuperCharge Available through the optional Consumables Benefit, subject to the policy terms. |
VS VS |
Plus Standard hospitalisation coverage should not be interpreted as coverage for every non-medical consumable. Consumables are covered only where included under the applicable policy terms or an eligible add-on. |
| AYUSH Treatment |
|---|
Health SuperCharge Eligible AYUSH treatment is covered, subject to the applicable policy terms and limits. |
VS VS |
Plus 3 - 7 lacs sum insured for any non allopathic treatment covered by AYUSH. |
| Initial Waiting Period |
|---|
Health SuperCharge 30 days for illnesses, subject to policy terms and applicable exceptions. |
VS VS |
Plus 30 days for illnesses from policy commencement. This waiting period does not apply to eligible accident-related treatment, subject to the policy terms. |
| Specific Waiting Period |
|---|
Health SuperCharge 24 months for specified diseases and procedures, subject to policy terms. |
VS VS |
Plus 24 months for specified illnesses and procedures listed in the policy. The applicable exclusions and conditions continue to apply. |
| 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 |
Plus 36 months for pre-existing diseases under the referenced policy version, subject to accurate disclosure, underwriting and applicable policy terms. |
| Modern Treatment |
|---|
Health SuperCharge Eligible modern treatments are covered, subject to the selected plan and applicable policy limits. |
VS VS |
Plus Covers eligible advanced technology treatment methods listed under the policy, subject to medical necessity, admissibility conditions and the applicable sum insured. |
| Annual Health Checkup |
|---|
Health SuperCharge Available through the optional Preventive Annual Health Check-Up cover, subject to its terms. |
VS VS |
Plus Available once in each policy year for each eligible insured member, subject to the insurer's prescribed arrangements and conditions. |
| Pre-Hospitalisation |
|---|
Health SuperCharge Covered subject to the applicable policy terms and limits. Confirm the exact coverage period from the product wording. |
VS VS |
Plus Covers eligible medical expenses for up to 60 days before hospitalisation, subject to the related hospitalisation claim being admissible. |
| Post-Hospitalisation |
|---|
Health SuperCharge Covered, subject to the applicable policy limits and terms. Confirm the exact coverage period from the product wording |
VS VS |
Plus |
| 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 |
Plus OPD consultation and specified dental and ophthalmic treatment benefits are available within prescribed limits. The referenced brochure lists limits of ₹1,500 for sum insured of ₹5–7 lakh and ₹2,500 for sum insured of ₹10–25 lakh, with a maximum of ₹350 per consultation. Check the applicable variant terms for eligibility. |
| Deductible Option |
|---|
Health SuperCharge Optional deductible available, subject to the selected option and Policy Schedule. |
VS VS |
Plus Deductible options are available as optional choices, including ₹1 lakh, ₹2 lakh, ₹3 lakh and ₹5 lakh under the referenced prospectus. Availability and applicable terms depend on the selected policy option. |
| Coverage Options |
|---|
Health SuperCharge Sum Insured and coverage options vary by plan and selected configuration. Refer to the applicable policy schedule. |
VS VS |
Plus Deductible options are available as optional choices, including ₹1 lakh, ₹2 lakh, ₹3 lakh and ₹5 lakh under the referenced prospectus. Availability and applicable terms depend on the selected policy option. |
| Claim Settlement Ratio |
|---|
Health SuperCharge Not mentioned in the available Health Supercharge reference. |
VS VS |
Plus Care Health Insurance's insurer-level claim settlement ratio is reported as 96.74% for FY 2024–25 in a secondary source referencing IRDAI data. This is an insurer-level metric, not a guarantee of approval for an individual Care Plus claim. |
| Maternity Cover |
|---|
Health SuperCharge Maternity coverage is not identified as a standard base benefit in the available Health Supercharge reference. |
VS VS |
Plus Deductible options are available as optional choices, including ₹1 lakh, ₹2 lakh, ₹3 lakh and ₹5 lakh under the referenced prospectus. Availability and applicable terms depend on the selected policy option. |
Insurance Plans Comparison
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