About 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.
TATA AIG Health Supercharge Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | ₹5 lakh to ₹20 lakh |
| Pre-Policy Medical Check-ups | Not required for up to 45 years |
| Pre-existing Diseases Waiting Period | 3 years |
| Discount | Up to 32% family floater discount Up to 10% long term discount 5% young family discount |
| Co-payment | 20% if the insured is 61 years or older 20% if treatment is availed in Zone A under the Geo variant 30% in case of non-Valued Provider-Pan India network hospitalization under the Value variant |
or select from popular citiessSuper Charge Geo Features
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Key Benefits of TATA AIG Health Supercharge Plan
TATA AIG Health Supercharge Plan Inclusions, Exclusions & Optional Covers
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In-patient TreatmentIt covers medical expenses incurred on hospitalization for at least 24 hours, including room rent, doctor's fees, ICU charges, etc.
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Pre-Hospitalization ExpensesIt covers the costs incurred for up to 90 days before the date of admission.
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Post-Hospitalization ExpensesIt pays for medical costs incurred for up to 90 days immediately from the date of discharge.
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Day Care TreatmentIt covers medical expenses for day care treatments that require less than 24 hours of hospitalization.
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Domiciliary TreatmentIt 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.
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Organ DonorIt covers the expenses incurred by an organ donor for harvesting an organ for the insured's transplant surgery.
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Sterility and infertility treatments
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Treatment for alcoholism, drug or substance abuse
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Obesity/Weight control treatments
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Cosmetic or plastic surgery
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Injuries related to hazardous or adventure sports
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Restore InfinityIt reinstates the sum insured amount an unlimited number of times in a policy year after the Restore Benefit is exhausted.
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Emergency Air Ambulance CoverIt covers the cost of air ambulance services availed for emergency medical transportation of the insured by an aeroplane or helicopter.
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Consumables BenefitIt covers the cost of consumables used during hospitalization, such as bandages, surgical tape, cotton, etc.
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Preventive Annual Health Check-UpIt arranges annual medical tests for the insured at network hospitals, regardless of claims made during the policy year.
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Advanced CoverIt reduces the waiting period for 4 pre-existing diseases, including diabetes, hypertension, hyperlipidaemia, and asthma, from 36 months to 30 days.
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Accidental Death BenefitIt pays the full sum insured amount as compensation if the insured dies in an accident during the policy year.
In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Policybazaar Claim Process
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TATA AIG Health Supercharge Plan: FAQs
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Q1. What is the maximum entry age allowed in the TATA AIG Health Supercharge policy?
Ans: The maximum entry age under the TATA AIG Health Supercharge plan for an adult is 65 years, and for a child is 25 years.
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Q2. What's the waiting period for pre-existing disease in the TATA AIG Health Supercharge plan?
Ans: The waiting period for pre-existing diseases (PED) in the TATA AIG Health Supercharge plan is 36 months. However, policyholders have an option to reduce the waiting period for diabetes, hypertension, hyperlipidaemia, and asthma to 30 days by opting for the Advanced Cover on an additional premium.
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Q3. What is the cataract surgery limit in the TATA AIG Health Supercharge plan?
Ans: The cataract surgery limit ranges from ₹40,000 to ₹1,75,000 per eye, depending on the sum insured, under the Tata AIG Health Supercharge plan.
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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
Tata AIG offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of Tata AIG
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to Tata AIG for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the Tata AIG policy
- The network hospital will send the hospital bill to Tata AIG.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Inform the insurance company about the hospitalization
- In case of planned hospitalization, notify the insurer before hospital admission.
- Receive medical treatment
- At the time of discharge, pay the entire hospital bill in full.
- Collect all the medical documents, bills and payment receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
