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TATA AIG

TATA AIG

Health SuperCharge

TATA AIG’s Health SuperCharge is an okay policy that may not turn out to be a great option after all. While the plan does offer a Loyalty bonus (50% up to 500%), and a 5% young family discount (in case the policyholder is 40 years old or less during policy purchase), the caveats are a tad bit concerning. There is a room rent restriction (up to a single private room) and disease-wise sub-limits on multiple ailments (including cataracts, robotic surgery, hernia, renal stones, knee replacement, and hysterectomy). Additionally, the waiting period for PEDs is an extensive 4 years. Honestly, if you are in the market for a health insurance policy that is comprehensive, affordable, and worth the pennies you pay as your premium, you better look out for other options in the market.

What's good here?

coPay

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.

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prePost

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.

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dayCare

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.

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domiciliary

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.

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restoration

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.

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ncb

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.

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ayush

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.

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What's bad here?

special mention
warning
Be aware of

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.

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ped

Long 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 only after 4 long years. It could be much shorter you know? Like 2 years perhaps!

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What's okay here?

roomRent

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.

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What's lacking here?

healthCheckup

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.

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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

Yes. Health SuperCharge imposes 3 kinds of 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 4-year waiting period for any pre-existing disease you may have while buying the policy.
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