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Insurance Plans Comparison

TATA AIG Health SuperCharge vs Niva Bupa Health Companion Family First Plan

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

Grow a family floater by 50% of the base sum insured at every renewal, even after a claim, until the bonus reaches 500% of that base, and restore 100% of the sum insured once in a policy year.

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
Niva Bupa

Health Companion Family First Plan

Cover an extended family with a separate sum insured per person and a shared floater after that sum insured is used, and add 20% of each person's base sum insured each claim-free year up to 100%.

What Makes It Special:

Family First is a Health Companion variant. The prospectus describes an individual or family floater with a refill benefit, no-claim bonus, a 60-day pre and 180-day post-hospitalisation cover, and optional hospital cash and personal accident cover.

Best For:

  • Buyers who do not need maternity or OPD cover

  • Buyers who need hospitalisation, day care and AYUSH cover

  • Families with a parent covered alongside the insured

  • Buyers who want a no-claim bonus that builds to 100%

  • Families who want a floater with a refill benefit

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

  • 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.

  • Children are split off to their own policy after 26.

  • The 20% co-payment applies to higher room categories on Variant 2023, so choose your room carefully.

  • Refill applies once a year, so it is not unlimited cover.

  • Maternity is excluded, so choose another plan if you plan a pregnancy.

  • The 36-month PED wait applies, so buy early if anyone has an existing condition.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health SuperCharge
Health SuperCharge

Health Insurance Plan

VS
Health Companion Family First Plan
Health Companion Family First Plan

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 Companion Family First Plan

  1. Normal: Covered up to sum insured
  2. ICU: Covered up to sum insured.
ICU Charges

Health SuperCharge

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

VS

Health Companion Family First Plan

Covered up to the sum insured as part of in-patient care

Advanced Treatments

Health SuperCharge

Information Unavailable

VS

Health Companion Family First Plan

  1. Robotic surgeries
  2. Stem cell therapy
  3. Oral chemotherapy
  4. Deep brain stimulation
  5. Bronchial thermoplasty
  6. Intraoperative neuro monitoring (IONM).
Co-payment

Health SuperCharge

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

VS

Health Companion Family First Plan

The policy does not mandate a co-payment, meaning the insurer covers the full admissible claim amount without requiring the insured to pay a portion.

Disease-wise sublimits

Health SuperCharge

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

VS

Health Companion Family First Plan

No disease sublimit schedule in the prospectus. Sum insured limits apply to all covered treatment.

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 Companion Family First Plan

Access to over 10,000 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.

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 Companion Family First Plan

Refill: restores up to the base sum insured once per policy year, for the same or a different illness, after the first paid claim

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 Companion Family First Plan

No claim bonus of 20% of the expiring base sum insured for each claim-free year, up to 100% of the base sum insured. A claim does not reduce the bonus.

Daycare Treatment

Health SuperCharge

Eligible daycare procedures are covered, subject to policy terms.

VS

Health Companion Family First Plan

Covers medical procedures that require less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays.

Consumable Cover

Health SuperCharge

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

VS

Health Companion Family First Plan

Medicines and consumables prescribed during treatment are covered. Items in Annexure II, such as toiletries, gloves and diapers, are not.

AYUSH Treatment

Health SuperCharge

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

VS

Health Companion Family First Plan

Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options.

Initial Waiting Period

Health SuperCharge

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

VS

Health Companion Family First Plan

30 days, except accidents

Specific Waiting Period

Health SuperCharge

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

VS

Health Companion Family First Plan

24 months for listed conditions

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 Companion Family First Plan

36 months.

Modern Treatment

Health SuperCharge

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


VS

Health Companion Family First Plan

Covered up to the sum insured. Includes robotic surgery, stereotactic radiosurgery, deep brain stimulation, oral chemotherapy and other listed treatments.

Annual Health Checkup

Health SuperCharge

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

VS

Health Companion Family First Plan

Once every policy year from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Individual: ₹5,000 maximum per insured. Floater: ₹10,000 per policy. Booked through the app, cashless only.

Pre-Hospitalisation

Health SuperCharge

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

VS

Health Companion Family First Plan

60 days before admission, up to the sum insured

Post-Hospitalisation

Health SuperCharge

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

VS

Health Companion Family First Plan

180 days after discharge, up to the sum insured

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 Companion Family First Plan

Not covered. OPD treatment is an excluded expense.

Deductible Option

Health SuperCharge

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

VS

Health Companion Family First Plan

Annual aggregate deductible of ₹10,000, ₹20,000, ₹30,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh. Does not apply to health checks, animal bite or hospital cash.

Coverage Options

Health SuperCharge

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

VS

Health Companion Family First Plan

Individual or floater, with optional hospital cash, personal accident and deductible

Claim Settlement Ratio

Health SuperCharge

Not mentioned in the available Health Supercharge reference.

VS

Health Companion Family First Plan

Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27).

Maternity Cover

Health SuperCharge

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

VS

Health Companion Family First Plan

Not covered. Maternity expenses are an excluded expense.

Insurance Plans Comparison

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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

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