TATA AIG
Health SuperCharge
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.
What's good here?
You most likely don't have to split the bill
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.
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.
Pre & Post hospitalization expenses covered
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.
Special Bonus for being healthy
Your sum insured increases by 50% each year, even if you've claimed in the previous year. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 500%. But hey, it's still a bonus.
Covers Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.
Day Care treatments covered
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.
Full coverage even if you are forced to hospitalize at home
The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.
What's bad here?
Has disease wise sub-limits
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.
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.
What's okay here?
You can pick a Single Private room but nothing fancy
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.
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.
Reasonable waiting period for pre-existing diseases
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.
Gym perks are included in this policy
Gym perks are included in this policy.
Good Restoration Benefit
Even after you claim part of the cover on one occasion, you will have 100% of the cover restored, so that you can use this benefit in the event you have to endure multiple hospitalizations.
What's lacking here?
Your insurer doesn’t provide free health check-ups
If you want to get a full-body checkup just to make sure you’re in fine working condition, be ready to pay for it yourself or get an add-on to cover free health check-ups under the policy by paying a little extra in the premiums.
If you want to get a full-body checkup just to make sure you’re in fine working condition, be ready to pay for it yourself or get an add-on to cover free health check-ups under the policy by paying a little extra in the premiums.
Maternity benefits not offered
The insurer does not cover expenses related to maternity
Doctor consultations are not covered
Doctor consultations are not covered.
Add-ons
Advanced Cover
This add-on will cut waiting periods to a mere 30 days for the following pre-existing conditions: Hypertension, Diabetes, Hyperlipidemia and Asthma. And if you are currently diagnosed with any of these conditions, it makes sense to opt for this add-on.
Annual Health Check-ups
Insured members get a free annual health check-up at network centres so long as they get medical tests prescribed in the policy. And the insurance company offers this benefit to everyone who buys the policy.
Restore Infinity
With this paid-on, the insurer will restore your cover in full every time a claim is settled.
Consumables Cover
This add-on covers the cost of non-payable items that are used during the course of treatment for an illness or injury, such as dressings, bandages, syringes, and other medical supplies.
Personal Accident cover
With this add-on, the insurance company will payout a lumpsum amount based on the cover chosen, in case the selected insured member of the policy passes away in an accident.
Air Ambulance
With this add-on, the insurance company will provide coverage for Air Ambulance up to ₹5 lakhs.
Frequently Asked Questions
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