Overview
The TATA AIG Health SuperCharge plan is a comprehensive health insurance policy offering sum insured options from ₹5 lakhs to ₹20 lakhs. Its USPs include a 5X SuperCharge Bonus, which provides a 50% increase in the base sum insured annually (up to 500%) irrespective of claims, and a 5% young family discount for policyholders aged 40 or below. The plan also offers optional benefits like unlimited restore, reduced waiting periods for specific pre-existing conditions, and annual preventive health check-ups.
Experts Review
Written by Nikhil Nair
Senior Writer
The Health SuperCharge plan by TATA AIG is an innovative health insurance product that offers several unique features. The 5X SuperCharge Bonus is its standout benefit, allowing policyholders to accumulate up to 500% of the base sum insured over time, ensuring long-term financial security.
The optional reduction in waiting periods for pre-existing conditions like diabetes and hypertension (from 36 months to 30 days) adds significant value for individuals managing chronic illnesses. The availability of two variants—Value Plan and Geo Plan—provides flexibility based on regional healthcare needs.
However, the plan has notable drawbacks. Room rent is restricted to a single private room for Geo Plan & up to ₹5,000 per day for Value Plan, which may limit premium hospitalization choices. Disease-wise sub-limits on conditions like cataracts, robotic surgery, hernia, renal stones, knee replacement, and hysterectomy can reduce the overall coverage for high-cost treatments.
Additionally, while the young family discount is appealing, it is only applicable at the time of policy inception and may not benefit older buyers. Premiums can escalate significantly with optional add-ons like unlimited restore or consumables coverage.
Pros
Feature set is satisfactory.
Insurer has a solid track record with great claim and service metrics.
Cons
Your insurer doesn’t provide free health check-ups, which is a notable gap.
Maternity benefits not offered, which could be a drawback for some.
Doctor consultations are not covered, which is a key feature.
TATA AIG
Key Insights
Founded
2001
TATA AIG was established 24 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
89% claims settled in 30 Days
TATA AIG settles 89% of all claims it receives. This is reasonable performance, though there is room for improvement compared to top insurers.
Network Hospitals
11,000+
TATA AIG maintains a moderate network of 11,000 hospitals, offering reasonable coverage across key locations.
Complaints
11 complaints per 10,000 claims registered
TATA AIG experiences a moderate number of complaints, indicating room for improvement in addressing customer concerns.
Features
All
Great
Good
Bad
Co-payment
If you bought this policy after you turned 61, you have to pay 20% of the bill every time you make a claim. Otherwise, you are good to go. The insurer will pay all costs up to the sum insured.
Room Rent
You can share a room or you could have a single room for yourself. But if you are looking for anything slightly fancy, be ready to foot a part of the bill.
Disease sub-limit
Your insurance cover won’t be fully available in case you are treated for Cataract, Robotic surgeries, Knee Replacement, Hernia, Hysterectomy, Renal Stones and a few other diseases. Meaning the insurance company has a cap on the total amount they’ll pay out if you are treated for these specific illnesses.
Pre existing diseases waiting
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
Customisable
For hypertension, diabetes, cholesterol and asthma: Pre existing disease waiting period is reduced from 3 Years to 30 Days.
Pre/Post hospitalization
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 90 days before you are hospitalized and 90 days after discharge. This includes the cost of medication by the way.
Add-ons
Advanced Cover
Recommended
For hypertension, diabetes, cholesterol and asthma: Pre existing disease waiting period is reduced from 3 Years to 30 Days.
Consumables Cover
Recommended
Covers list of 68 non-medical items as per list I
Restore Infinity
Recommended
Restores the cover unlimited times up to 100% of the sum insured for any illness.
Annual Health Checkup
Annual health check-up for specified tests, with a maximum limit up to the sum insured on a cashless or reimbursement basis.
Personal Accident Cover
Paid out as a lump sum of 100% of sum insured for Accidental Death upto defined limits.
Air Ambulance
Gets coverage for air ambulance up to ₹5 lakhs per year.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
Stem cell therapy; however hematopoietic stem cells for bone marrow transplant for haematological conditions will be covered under benefit B1 or B4 of this policy.
Growth hormone therapy.
Admission primarily for administration of Intra-articular or intra-lesional injections or Intravenous immunoglobulin infusion or supplementary medications like Zolendronic Acid.
Venereal disease, sexually transmitted disease or illness.
Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy for 2 years.
Tumors, cysts, polyps (including benign breast lumps)
Polycystic ovarian disease
Fibromyoma
Adenomyosis
Endometriosis
Waiting Period
30 days Initial waiting period
2 years Specific illness waiting period
3 years Pre-existing disease waiting periodCustomisable
Ditto's Take
◦ Excellent ◦
Waiting periods on this policy are excellent. This policy also further allows to reduce the PED waiting period to 30 Days for certain diseases.
What's missing in the policy
Your insurer doesn’t provide free health check-ups.
Maternity benefits not offered.
Doctor consultations are not covered.
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Frequently Asked Questions
Does Health SuperCharge have waiting periods?
- 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
- Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
- Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
Does Health SuperCharge have room rent restrictions?
Does Health SuperCharge offer a restoration benefit?
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