TATA AIG Health Supercharge Plan

TATA AIG Health Supercharge Plan

The TATA AIG Health Supercharge plan provides extensive coverage by offering a supercharge bonus of 50% of the coverage amount for up to 500% on every renewal, regardless of claims, with the 5x Supercharge Bonus benefit. The plan comes with unlimited restoration of the sum insured upon exhaustion with the Restore Infinity benefit. Additionally, policyholders can claim pre-existing diabetes, hypertension, hyperlipidaemia, and asthma after 30 days with the Advanced Cover.

Read More

This TATA AIG health insurance policy offers coverage for medical devices, anti-rabies and typhoid vaccination, emergency air ambulance services, second medical opinion, and organ donor expenses. Moreover, it offers lucrative benefits, such as consumables cover, preventive health check-ups, prolonged hospitalization benefit, accidental death benefit, wellness services and programs, etc.

TATA AIG Health Supercharge Plan: Key Highlights

Benefits of TATA AIG Health Supercharge Plan

The following are some benefits of the TATA AIG Health Supercharge plan:

1. 5X Supercharge Bonus

   Policyholders can avail an additional sum insured of 50% for up to 500% on every renewal irrespective of any claims with the 5X Supercharge Bonus.

2. Restoration of Sum Insured

   This TATA AIG health insurance plan automatically restores 100% of the sum insured if the base coverage amount and accrued bonus are exhausted once in a policy year with the Restore Benefit. Policyholders can avail this benefit an unlimited number of times in a policy year with the Restore Infinity optional cover.

3. Annuals Health Check-ups

   Policyholders can avail annual health check-up benefit at an empanelled service provider of the insurance company. However, this benefit is available as an optional cover.

4. Wellness Services

   This health insurance plan offers various wellness services, including teleconsultations (general & speciality), Emergency 'Help Me' feature, ambulance booking facilities, health condition management, redeemable vouchers and discounts on services.

5. Wellness Programs

   The TATA AIG General Insurance Company offers wellness programs through health risk assessments and fitness-based wellness reward points that can be redeemed on services like OPD consultations, pharmacy, diagnostics, preventive healthcare, etc.

6. Tax Benefits

   The premium paid for the Tata AIG Health Supercharge plan is eligible for tax benefits under Section 80D of the Income Tax Act.

TATA AIG Health Supercharge Plan: Eligibility Criteria

Check out the eligibility criteria to buy the TATA AIG Health Supercharge plan:

Inclusions of TATA AIG Health Supercharge Plan

The TATA AIG Health Supercharge plan covers the following expenses:

• In-patient Treatment: It covers medical expenses incurred on hospitalization for at least 24 hours, including room rent, doctor's fees, ICU charges, etc.
• Pre-Hospitalization Expenses: It covers the costs incurred for up to 90 days before the date of admission.
• Post-Hospitalization Expenses: It pays for medical costs incurred for up to 90 days immediately from the date of discharge.
• Day Care Treatment: It covers medical expenses for day care treatments that require less than 24 hours of hospitalization.
• Domiciliary Treatment: It pays for the cost of medical treatment taken at home for more than three consecutive days in case shifting to a hospital is not feasible.
• Organ Donor: It covers the expenses incurred by an organ donor for harvesting an organ for the insured's transplant surgery.
• AYUSH Benefit: It pays for the in-patient and day care AYUSH treatments taken under Ayurveda, Yoga, Unani, Siddha, and Homeopathy systems. It also covers pre and post-hospitalization costs.
• Road Ambulance Cover: It covers ambulance charges for transporting the insured to a hospital in case of an emergency or for shifting from one hospital to another.
• Compassionate Travel: It pays for the round trip travel costs incurred on a first-class railway ticket or an economy-class air ticket of an immediate family member in case the insured is hospitalized for over 5 consecutive days in a different city.
• Prolonged Hospitalization Benefit: It offers a fixed lump sum amount if the insured is hospitalized continuously for more than 10 days at a network hospital.
• Medical Devices Cover: It covers the post-hospitalization expenses incurred on renting or purchasing prescribed medical devices, such as wheelchairs, walkers, lumbo-sacral belts, etc.
• Vaccination Cover: It covers the cost of getting an anti-rabies vaccine after an animal bite and a typhoid vaccination.
• Second Opinion: It offers a second medical opinion from an empanelled medical expert in India if the insured is diagnosed with any specified illness during the policy period.

Optional Covers

• Restore Infinity: It reinstates the sum insured amount an unlimited number of times in a policy year after the Restore Benefit is exhausted.
• Emergency Air Ambulance Cover: It covers the cost of air ambulance services availed for emergency medical transportation of the insured by an aeroplane or helicopter.
• Consumables Benefit: It covers the cost of consumables used during hospitalization, such as bandages, surgical tape, cotton, etc.
• Preventive Annual Health Check-Up: It arranges annual medical tests for the insured at network hospitals, regardless of claims made during the policy year.
• Advanced Cover: It reduces the waiting period for 4 pre-existing diseases, including diabetes, hypertension, hyperlipidaemia, and asthma, from 36 months to 30 days.
• Accidental Death Benefit: It pays the full sum insured amount as compensation if the insured dies in an accident during the policy year.
• Voluntary Sub-limit: It allows the policyholder to avail a premium discount if they voluntarily opt for sub-limits on specific treatments and procedures.
• Aggregate Deductible: It offers a discount on premiums if the insured voluntarily opts for an aggregate deductible.
• Shared Accommodation: It offers a premium discount if the insured opts for a shared room category at the time of hospitalization.

Exclusions of TATA AIG Health Supercharge Plan

The TATA AIG Health Supercharge plan does not cover the following expenses:

• Sterility and infertility treatments
• Maternity expenses
• Treatment for alcoholism, drug or substance abuse
• Obesity/Weight control treatments
• Cosmetic or plastic surgery
• Injuries related to hazardous or adventure sports
• Dietary supplements and substances
• Congenital external diseases, defects or anomalies
• Unproven treatments

TATA AIG Health Supercharge Plan: FAQs