{"uin":"TATHLIP24113V012324","name":"Tata AIG Health Supercharge – Value Plan","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324","insurer":{"slug":"tata-aig-general-insurance","name":"Tata AIG General Insurance Company Limited","url":"https://indiainsurances.com/insurer/tata-aig-general-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Tata AIG Health Supercharge is a family floater health indemnity policy with Value Plan and Geo Plan, with sum insured options of 5 Lacs to 20 Lacs and policy terms of 1/2/3 years. The Value Plan has room rent up to ₹5000 per day, 30 days initial waiting period, 36 months pre-existing disease waiting period, 24 months specified disease waiting period, and 5X Supercharge Bonus of 50% on renewal up to 500%.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:51:33.108246+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Value Plan","Geo Plan"],"display":"Value Plan; Geo Plan","note":null,"quote":"There are two plans available under the product:\n• Value Plan: Available for customers from Zone A, Zone B, Zone C\n• Geo Plan: Available for customers from Zone B, Zone C only.","sources":[{"clause":"3","heading":"Plans","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/16886#c-3"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy is issued for 1, 2 or 3 years.","display":"1/2/3 years","note":null,"quote":"The policy will be issued for a period 1/2/3 years.","sources":[{"clause":"1","heading":"Suitability","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/16886#c-1"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Our claim form, duly completed and signed","Original Bills","All medical reports, case histories, investigation reports, indoor case papers/ treatment papers (in reimbursement cases, if available), discharge summaries","A precise diagnosis of the treatment for which a claim is made","A detailed list of the individual medical services and treatments provided and a unit price for each","Prescriptions","All pre and post investigation, treatment and follow up (consultation) records","Treating doctor's certificate regarding missing information","Copy of settlement letter from other insurance company or TPA","Stickers and invoice of implants used during Surgery","Copy of MLC (Medico legal case) records, if carried out and FIR (First information report), if registered","mandatory NEFT and KYC","Legal heir/succession certificate, if required","PM report (wherever applicable)"],"display":"Claim form, original bills, medical reports and discharge summaries, diagnosis, itemised bills, prescriptions, pre/post records, missing-information certificate, other insurer settlement letter, implant stickers/invoice, MLC/FIR where applicable, NEFT/KYC, legal heir certificate and PM report where applicable","note":null,"quote":"a) Our claim form, duly completed and signed for on behalf of the Insured Person. ... b) Original Bills (pharmacy purchase bill, consultation bill, diagnostic bill, medical devices) and any attachments thereto like receipts or prescriptions in support of any amount claimed which will then become Our property. ... c) All medical reports, case histories, investigation reports, indoor case papers/ treatment papers (in reimbursement cases, if available), discharge summaries. ... d) A precise diagnosis of the treatment for which a claim is made. ... e) A detailed list of the individual medical services and treatments provided and a unit price for each in case not available in the submitted Hospital bill. ... f) Prescriptions that name the Insured Person and in the case of drugs: the drugs prescribed, their price and a receipt for payment. ... g) All pre and post investigation, treatment and follow up (consultation) records pertaining to the present ailment for which claim is being made, if and where applicable. ... h) Treating doctor's certificate regarding missing information in case histories e.g. Circumstance of Injury and Alcohol or drug influence at the time of Accident, if available. ... i) Copy of settlement letter from other insurance company or TPA. ... j) Stickers and invoice of implants used during Surgery. ... k) Copy of MLC (Medico legal case) records, if carried out and FIR (First information report), if registered, in case of claims arising out of an Accident and available with the claimant. ... I) Regulatory requirements as amended from time to time, currently mandatory NEFT (to enable direct credit of claim amount in bank account) and KYC (recent ID/Address proof and photograph) requirements.\nm. Legal heir/succession certificate, if required\nn. PM report (wherever applicable)","sources":[{"clause":"4(a)","heading":null,"page":45,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-4-a"},{"clause":"4(b)","heading":null,"page":45,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-4-b"},{"clause":"4(c)","heading":null,"page":45,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-4-c"},{"clause":"4(d)","heading":null,"page":45,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-4-d"},{"clause":"4(e)","heading":null,"page":45,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-4-e"},{"clause":"4(f)","heading":null,"page":46,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-4-f"},{"clause":"4(g)","heading":null,"page":46,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-4-g"},{"clause":"4(h)","heading":null,"page":46,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-4-h"},{"clause":"4(i)","heading":null,"page":46,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-4-i-2"},{"clause":"4(j)","heading":null,"page":46,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-4-j"},{"clause":"4(k)","heading":null,"page":46,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-4-k"},{"clause":"4(I)","heading":null,"page":46,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-4-i-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The company shall settle or reject a claim within 15 days from receipt of the last necessary document. If investigation is required, it must complete investigation within 30 days and settle or reject the claim within 45 days from receipt of the last necessary document.","display":"15 days from last necessary document; 45 days if investigation is required","note":"Delay attracts interest at 2% above bank rate.","quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of last necessary document. ... where the circumstances of a claim warrant an investigation in the opinion of the Company, it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document. In such cases, the Company shall settle or reject the claim within 45 days from the date of receipt of last necessary document.","sources":[{"clause":"3(i)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-3-i"},{"clause":"3(iii)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-3-iii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Pre-Existing Disease (PED) and its direct complications until the expiry of 36 months","listed Conditions, surgeries/treatments until the expiry of 24 months","any Illness within 30 days from the first Policy commencement date except claims arising due to an Accident","admission primarily for diagnostics and evaluation purposes only","admission primarily for enforced bed rest and not for receiving treatment","surgical treatment of obesity that does not fulfil the below conditions","treatment, including surgical management, to change characteristics of the body to those of the opposite sex","cosmetic or plastic Surgery or any treatment to change appearance","Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Unproven Treatment","Sterility and infertility","Maternity","Hazardous or Adventure Sports","Breach of law","Excluded Providers"],"display":"PED for 36 months; listed diseases/procedures for 24 months; illness in first 30 days except accident; diagnostics/evaluation admissions; rest cure; obesity surgery outside conditions; change-of-gender treatment; cosmetic/plastic surgery; alcoholism/drug/substance abuse; unproven treatment; sterility/infertility; maternity; hazardous/adventure sports; breach of law; excluded providers","note":null,"quote":"Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first Policy with Us. ... Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first Policy with Us. ... Expenses related to the treatment of any Illness within 30 days from the first Policy commencement date shall be excluded except claims arising due to an Accident, provided the same are covered. ... Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded. ... Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. ... Expenses related to surgical treatment of obesity that does not fulfil the below conditions: ... Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex. ... Expenses for cosmetic or plastic Surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of Medically Necessary Treatment ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof (Code- Exel 12). ... Expenses related to any Unproven Treatment, services and supplies for or in connection with any treatment. ... Expenses related to Sterility and infertility. ... Maternity (Code - Exel 18): ... Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports ... Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. ... Expenses incurred towards treatment in any Hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer and disclosed in its website / notified to the Policyholders are not admissible.","sources":[{"clause":"41(a)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-41-a-6"},{"clause":"41(a)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-41-a-7"},{"clause":"41(II)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-41-ii-2"},{"clause":"41(II)(d)(ii)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-41-ii-d-ii"},{"clause":"41(II)(d)(iv)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-41-ii-d-iv"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First call Tata AIG customer support or email customersupport@tataaig.com. If not satisfied, escalate to manager.customersupport@tataaig.com, then to head.customerservices@tataaig.com before approaching the Insurance Ombudsman or Bima Bharosa.","display":"Customer support or customersupport@tataaig.com; then manager.customersupport@tataaig.com; then head.customerservices@tataaig.com","note":null,"quote":"If you're not satisfied and wish to lodge a complaint, please call our 24/7 Customer Support No. 022 6489\n8282/1800 267 1955 | (For | Senior | Citizens) or | email | us | at\ncustomersupport@tataaig.com. ... Escalation Level 1 If you do not receive a response or are not satisfied with the resolution, please contact us at manager.customersupport@tataaig.com.\nEscalation Level 2 If you still need assistance, reach out to the Head of Customer Services at head.customerservices@tataaig.com.","sources":[{"clause":"15","heading":"Redressal of Grievance","page":40,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-15-2"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"The sum insured options are 5 Lacs, 7.5 Lacs, 10 Lacs, 15 Lacs and 20 Lacs.","display":"5 Lacs; 7.5 Lacs; 10 Lacs; 15 Lacs; 20 Lacs","note":null,"quote":"• 5 Lacs\n• 7.5 Lacs\n• 10 Lacs\n• 15 Lacs\n• 20 Lacs","sources":[{"clause":"2","heading":"Sum Insured options (in ₹)","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/16886#c-2"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Does not apply if the insured person has Continuous Coverage for more than twelve months; applies afresh to enhanced sum insured.","quote":"Expenses related to the treatment of any Illness within 30 days from the first Policy commencement date shall be excluded except claims arising due to an Accident, provided the same are covered.","sources":[{"clause":"41(II)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-41-ii-2"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"If optional Advanced Cover is opted for accepted Diabetes Mellitus (Type 2), Hypertension, Hyperlipidemia and Asthma, 36 months is read as 30 days.","quote":"Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first Policy with Us.","sources":[{"clause":"41(a)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-41-a-6"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months","note":"If the specified disease or procedure is also a pre-existing disease, the longer waiting period applies.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first Policy with Us. This exclusion shall not be applicable for claims arising due to an Accident.","sources":[{"clause":"41(a)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-41-a-7"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Tumors, Cysts, polyps including breast lumps (benign)","Polycystic ovarian disease, Fibromyoma, Adenomyosis, Endometriosis","Prolapsed Uterus","Rheumatism","Ligament, Tendon or Meniscal tear","Prolapsed Inter-Vertebral Disc","Cholelithiasis","Pancreatitis","Fissure/fistula in anus, haemorrhoids, pilonidal sinus","Ulcer & erosion of stomach & duodenum","Gastro Esophageal Reflux Disorder (GERO)","Liver Cirrhosis","Perinea! Abscesses","Perianal / Anal Abscesses","Calculus diseases of Urogenital system","Benign Hyperplasia of prostate","Varicocele","Cataract, Retinal detachment, Glaucoma","Congenital Internal Diseases","Adenoidectomy","Mastoidectomy","Tonsillectomy","Tympanoplasty","Surgery for nasal septum deviation","Nasal concha resection","Surgery for Turbinate hypertrophy","Hysterectomy","Osteoarthritis, joint replacement, osteoporosis","Systemic connective tissue disorders, inflammatory polyarthropathies, Rheumatoid, Gout","Cholecystectomy","Hernioplasty or Herniorraphy","Surgery/procedure for Benign prostate enlargement","Surgery for Hydrocele/ Rectocele/Spermatocele","Surgery of varicose veins and varicose ulcers"],"display":"Listed diseases/procedures include tumours/cysts/polyps, PCOD/fibromyoma/adenomyosis/endometriosis, prolapsed uterus, rheumatism, ligament/tendon/meniscal tear, PIVD, cholelithiasis, pancreatitis, piles/fissure/fistula, gastric/duodenal ulcer, GERD, liver cirrhosis, abscesses, urogenital stones, BPH, varicocele, cataract/retinal detachment/glaucoma, congenital internal diseases, ENT surgeries, hysterectomy, osteoarthritis/joint replacement/osteoporosis, connective tissue disorders, cholecystectomy, hernia surgery, hydrocele/rectocele/spermatocele and varicose vein surgery","note":null,"quote":"I) Tumors, Cysts, polyps including breast lumps (benign) ... II) Polycystic ovarian disease, Fibromyoma, Adenomyosis, Endometriosis 111. Prolapsed Uterus\nIV. Rheumatism\nV. Ligament, Tendon or Meniscal tear\nVI. Prolapsed Inter-Vertebral Disc VI I. Cholelithiasis VII 1. Pancreatitis\nIX. Fissure/fistula in anus, haemorrhoids, pilonidal sinus\nX. Ulcer & erosion of stomach & duodenum\nXI. Gastro Esophageal Reflux Disorder (GERO) XI I. Liver Cirrhosis\nXIII. Perinea! Abscesses\nXIV. Perianal / Anal Abscesses\nXV. Calculus diseases of Urogenital system Example: Kidney stone, Urinary bladder stone.\nXVI. Benign Hyperplasia of prostate XVI I. Varicocele\nXVIII. | Cataract, Retinal detachment, Glaucoma\nXIX. Congenital Internal Diseases\nList of procedure/surgeries/treatments:\nXX. Adenoidectomy\nXXI. Mastoidectomy XXI I. Tonsillectomy ... XXIII. Tympanoplasty\nXXIV. Surgery for nasal septum deviation\nXXV. Nasal concha resection\nXXVI. Surgery for Turbinate hypertrophy XXVII. Hysterectomy XXVIII. Osteoarthritis, joint replacement, osteoporosis,\nXXIX. Systemic connective tissue disorders, inflammatory polyarthropathies, Rheumatoid, Gout\nXXX. Cholecystectomy\nXXXI. Hernioplasty or Herniorraphy XXXII. Surgery/procedure for Benign prostate enlargement XXXIII. Surgery for Hydrocele/ Rectocele/Spermatocele XXXIV. Surgery of varicose veins and varicose ulcers","sources":[{"clause":"41(I)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-41-i-2"},{"clause":"41(II)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-41-ii-2"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"years","amount":5},"display":"five continuous years","note":"For enhanced sum insured, five continuous years applies from the date of enhancement for the enhanced limits.","quote":"After completion of five continuous years of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This continuous period of five years is called as moratorium period.","sources":[{"clause":"12","heading":"Moratorium Period","page":39,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-12-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured person can port the entire policy with all family members to another insurer by applying at least 30 days before, but not earlier than 60 days from, the renewal date. Accrued continuity benefits for sum insured, no claim bonus, specific waiting periods, PED waiting period and moratorium period transfer as applicable.","display":"Allowed; apply at least 30 days before, but not earlier than 60 days from, the renewal date","note":null,"quote":"The Insured Person will have the option to port the Policy to other insurers by applying to such Insurer to port the entire Policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the Policy Renewal date as per IRDAI guidelines. ... the proposed Insured Person will get the accrued continuity benefits to the extent of the Sum Insured, No Claim Bonus, specific waiting periods, waiting period for pre-existing disease, Moratorium period etc from the Existing Insurer to the Acquiring Insurer in the previous policy, as applicable.","sources":[{"clause":"9","heading":"Portability","page":38,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-9-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Yes, lifelong renewal","note":null,"quote":"Lifelong renewal: We offer you a lifelong renewal for your policy provided premium is paid without any break.","sources":[{"clause":"5(iii)","heading":"Lifelong renewal","page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/16886#c-5-iii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"Renewal cannot be denied because of claims in preceding policy years, and no loading applies on renewals based on individual claims experience.","display":"No loading on renewals based on individual claims experience","note":null,"quote":"Renewal shall not be denied on the ground that the Insured Person had made a claim or claims in the preceding Policy Years. ... No loading shall apply on Renewals based on individual claims experience.","sources":[{"clause":"10(i)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-10-i"},{"clause":"10(b)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-10-b"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel by giving 7 days written notice and will receive proportionate premium for the unexpired policy period. No refund is made if any claim has been admitted or lodged or any benefit has been availed.","display":"Proportionate premium for unexpired policy period after 7 days written notice; no refund if a claim is admitted/lodged or benefit availed","note":null,"quote":"The policyholder may cancel this Policy by giving 7 days written notice and in such an event, the Company shall refund proportionate premium for unexpired policy period. No refunds of premium shall be made in respect of Cancellation where any claim has been admitted or has been lodged or any benefit under this Policy has been availed by the Insured Person.","sources":[{"clause":"7(I)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-7-i"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The policy covers claims incurred within India and payments are made in Indian Rupees within India.","display":"India only","note":"Value Plan is available to insured persons residing anywhere within India; Geo Plan is available for Zone B or Zone C residents.","quote":"This Policy only covers claims incurred within India, and payments under this Policy shall only be made in Indian Rupees within India.","sources":[{"clause":"5(b)","heading":null,"page":46,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-5-b"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"thirty days","note":null,"quote":"The insured person shall be provided a free look period of thirty days beginning from the date of receipt of the policy document, whether received electronically or otherwise, to review the terms and conditions of the policy, and to return the same if not acceptable.","sources":[{"clause":"14","heading":"Free look period","page":39,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-14-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":15},"display":"fifteen days where premium payment mode is monthly and thirty days in all other cases","note":"Thirty days applies in all non-monthly cases.","quote":"The grace period for payment of the premium shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"15","heading":"Grace Period","page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-15"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Minimum entry age is 91 days onwards, with dependent children between 91 days and 5 years insurable only when both parents are insured. Maximum entry age is 65 years.","display":"91 days onwards to 65 years","note":null,"quote":"This policy covers persons in the age group 91 days onwards (Dependent children between 91 days and 5 years can be insured only when both parents are getting insured). The maximum entry age is 65 years.","sources":[{"clause":"1","heading":"Suitability","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/16886#c-1"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["monthly","Quarterly","Half-Yearly","Annually"],"display":"Monthly, Quarterly, Half-Yearly, Annually","note":null,"quote":"The grace period for payment of the premium during the Policy Period, for instalment premium shall be fifteen days where premium payment mode is monthly and thirty days in all other cases (Annually/Half-Yearly/Quarterly/Limited Premium Paying Term).","sources":[{"clause":"10(iv)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-10-iv"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Restore Infinity","Emergency Air Ambulance Cover","Consumables benefit","Preventive Annual Health Check-Up","Advanced Cover","Accidental Death Benefit"],"display":"Restore Infinity; Emergency Air Ambulance Cover; Consumables benefit; Preventive Annual Health Check-Up; Advanced Cover; Accidental Death Benefit","note":"Optional covers require additional premium or discounts and must be mentioned in the Policy Schedule.","quote":"C1 Restore Infinity | Only at Inception of first Policy /coverage\nC2 Emergency Air Ambulance Cover At Inception of first Policy /coverage OR Renewal\nC3 Consumables benefit | Only at Inception of first Policy /coverage\nC4 Preventive Annual Health Check- Only at Inception of first Policy /coverage Up\nC5 Advanced Cover | Only at Inception of first Policy /coverage\nC6 Accidental Death Benefit | At Inception of first Policy /coverage OR Renewal","sources":[{"clause":"41(c)(vii)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-41-c-vii"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"For instalment premium within the policy period, coverage is available from the due date of instalment premium until the company receives premium within the grace period. At the end of the policy period, coverage is not available during the grace period after the policy period.","display":"Instalments within policy period: covered; after policy period: not covered","note":null,"quote":"Within the policy period - coverage will be available from the due date of instalment premium till the date of receipt of premium by Company within the grace period. ... At the end of the policy period - the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy. Coverage is not available during the grace period after the end of the policy period.","sources":[{"clause":"10(a)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-10-a"},{"clause":"10(b)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-10-b"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"quote-verified","value":"For Value Plan, room rent is up to ₹5000 per day.","display":"Value Plan: Up to ₹5000 per day","note":"Geo Plan uses room category: Single Private Room.","quote":"• Room Rent - Up to ₹5000 per day.","sources":[{"clause":"Excl17(III)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/16825#c-excl17-iii"}],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"quote-verified","value":"Geo Plan room eligibility is Single Private Room. Value Plan uses a room rent limit of up to ₹5000 per day instead of a room category.","display":"Geo Plan: Single Private Room; Value Plan: room rent up to ₹5000 per day","note":"The product being extracted is Value Plan; its room limit is a rupee limit, not a room category.","quote":"Room Eligibility** | Room Rent upto ₹5,000 per day | Single Private Room","sources":[{"clause":"27(i)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/16886#c-27-i"}],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"not-stated","value":null,"display":null,"note":"The wording covers ICU/ICCU expenses but does not state a separate per-day ICU limit.","quote":null,"sources":[],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"quote-verified","value":"If the insured person is admitted to a room whose category or room rent is higher than the policy limit, the insured bears a rateable proportion of room rent and associated medical expenses in proportion to the difference between actual room rent and entitled room rent. Proportionate deductions are not applied for ICU charges.","display":"Yes, proportionate deduction applies for higher room/category; not applicable for ICU Charges","note":null,"quote":"If the Insured Person is admitted in a room whose category/Room Rent is higher than the one that is specified in the Policy Schedule, then the Insured Person shall bear a rate able proportion of the Room Rent and the total Associated Medical Expenses, including surcharge or taxes thereon in the proportion of the 'difference between the Room Rent actually incurred & the Room Rent of the entitled room category/Room Rent limit' to 'the Room Rent actually incurred'. ... Proportionate deductions are not applicable for ICU Charges.","sources":[{"clause":"41(iv)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-41-iv"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"quote-verified","value":"Age linked co-payment of 20% applies if entry age is 61 years or above. For Value Plan, a 30% co-payment applies when treatment is outside the Valued Provider-Pan India network, except hospitalization for injury arising from an accident.","display":"20% age-linked co-pay at entry age 61 years or above; Value Plan 30% outside Valued Provider-Pan India network except accident injury hospitalization","note":"Geo Plan has an additional 20% Higher Zone Co-Payment for treatment in Zone A, except emergency hospitalization due to injury arising from an accident.","quote":"If the entry Age of the Insured Person is 61 years or above at the time of first coverage under this Policy, then such Insured Person shall bear 20% of each admissible claim ... Wherever, Value Plan has been opted and the Insured Person avails treatment outside Our network of \"Valued Provider-Pan India\", then a Co-Payment of 30% will be applicable for each such claim resulting from admission of the Insured Person in a Hospital/ Day Care Centre/ AYUSH Hospital/ AYUSH Day Care Centre. However, no Co-Payment under this sub section shall be applicable if Hospitalization is for an Injury arising from an Accident.","sources":[{"clause":"5(a)","heading":null,"page":49,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-5-a-3"},{"clause":"5(c)","heading":null,"page":50,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-5-c-2"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"quote-verified","value":"No compulsory deductible is stated. An optional aggregate deductible may be chosen in lieu of premium discount: ₹25,000/₹50,000 for 5 Lacs sum insured, ₹37,500/₹75,000 for 7.5 Lacs, ₹50,000/₹100,000 for 10 Lacs, ₹75,000/₹150,000 for 15 Lacs, and ₹100,000/₹200,000 for 20 Lacs.","display":"None unless optional Aggregate Deductible is opted; options from ₹25,000/₹50,000 to ₹100,000/₹200,000 by sum insured","note":"Aggregate Deductible is optional cost sharing chosen for premium discount.","quote":"Aggregate Deductible In lieu of premium discount opted by You, Our liability under this Policy shall be subject to application of Aggregate Deductible as mentioned in the Policy Schedule. ... 5 Lacs | 25,000/ 50,000\n5 Lacs | 25,000/ 50,000\n7.5 Lacs | 37,500/ 75,000\n7.5 Lacs | 37,500/ 75,000\n10 Lacs | 50,000/ 100,000\n10 Lacs | 50,000/ 100,000\n15 Lacs | 75,000/ 150,000\n15 Lacs | 75,000/ 150,000\n20 Lacs | 100,000/ 200,000\n20 Lacs | 100,000/ 200,000","sources":[{"clause":"5(f)","heading":null,"page":53,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-5-f"},{"clause":"8(vi)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/16886#c-8-vi"}],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"quote-verified","value":["Cataract Surgery (per eye): ₹45,000 to ₹175,000 for Value Plan","Balloon Sinuplasty/ FESS: ₹30,000 to ₹110,000 for Value Plan","Oral chemotherapy: ₹85,000 to ₹330,000 for Value Plan","Immunotherapy- Monoclonal Antibody all forms: ₹140,000 to ₹550,000 for Value Plan","Robotic surgeries: ₹140,000 to ₹550,000 for Value Plan","Stem cell therapy for Hematopoietic stem cells for bone marrow transplant for hematological conditions: ₹140,000 to ₹550,000 for Value Plan","Total Knee Replacement (per knee): ₹165,000 to ₹230,000 for Value Plan","Any type of Hernia Surgery: ₹70,000 to ₹100,000 for Value Plan","Any type of Hysterectomy: ₹70,000 to ₹100,000 for Value Plan","Benign Prostate Hypertrophy: ₹70,000 to ₹100,000 for Value Plan","Stones of Renal System: ₹70,000 to ₹100,000 for Value Plan"],"display":"Value Plan mandatory sub-limits apply to cataract, Balloon Sinuplasty/FESS, oral chemotherapy, immunotherapy, robotic surgeries, specified hematopoietic stem cell therapy, knee replacement, hernia, hysterectomy, BPH and renal stones","note":"Geo Plan mandatory sub-limits are in Table I and differ for several procedures.","quote":"Table II: Mandatory Sub-Limits applicable for Ailment/Surgical Procedure for Value Plan (in INR)\n(Ailment/ Surgical Procedure) | Sub limit, as applicable to each Insured Person based\non the Sum Insured\n5 Lacs | 7.5 | 10 Lacs 15 Lacs 20 Lacs\nLacs\nCataract Surgery (per eye) | 45,000 | 60,000 90,000 130,000 175,000\nBalloon Sinuplasty/ FESS | 30,000 | 40,000 55,000 85,000 110,000\nOral chemotherapy | 85,000 | 115,000 165,000 250,000 330,000\nlmmunotherapy- | Monoclonal 140,000 195,000 275,000 415,000 550,000\nAntibody all forms\nRobotic surgeries | 140,000 195,000 275,000 415,000 550,000\nStem cell therapy for Hematopoietic stem cells for bone marrow 140,000 195,000 275,000 415,000 550,000 transplant for hematological conditions Total Knee Replacement (per knee) 165,000 175,000 180,000 215,000 230,000\nAny type of Hernia Surgery | 70,000 | 75,000 75,000 95,000 100,000\nAny type of Hysterectomy | 70,000 | 75,000 75,000 95,000 100,000\nBenign Prostate Hypertrophy | 70,000 | 75,000 75,000 95,000 100,000\nStones of Renal System | 70,000 | 75,000 75,000 95,000 100,000","sources":[{"clause":"5(d)","heading":null,"page":51,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-5-d"}],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":90},"display":"upto 90 days prior to the date of admission","note":"Payable if a claim is admitted under B1, B4 or B5.","quote":"We will cover for expenses for Pre-Hospitalization consultations, investigations and medicines incurred upto 90 days prior to the date of admission to the Hospital.","sources":[{"clause":"41(iv)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-41-iv"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":90},"display":"upto 90 days after discharge","note":"Payable if a claim is admitted under B1, B4 or B5.","quote":"We will cover for expenses for Post-Hospitalization consultations, investigations and medicines incurred upto 90 days after discharge from the Hospital.","sources":[{"clause":"41(iv)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-41-iv"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"quote-verified","value":"Day Care Treatment expenses are covered for disease, illness or injury when taken in a Hospital or Day Care Centre during the policy period.","display":"Covered, Day Care Treatment in a Hospital or Day Care Centre","note":null,"quote":"B4. Day Care Treatment We will cover expenses for Day Care Treatment, due to disease/Illness/Injury, taken in a Hospital or a Day Care Centre, during the Policy Period.","sources":[{"clause":"41(iv)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-41-iv"}],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"quote-verified","value":"Domiciliary hospitalization is covered if treatment exceeds three consecutive days, is during the policy period, and is for management of an illness, not enteral feedings or end of life care.","display":"Covered if treatment exceeds three consecutive days","note":null,"quote":"B5. Domiciliary Treatment We will cover for expenses related to Domiciliary Hospitalization of the Insured Person if the treatment exceeds beyond three consecutive days and is availed during the Policy Period. The treatment must be for management of an Illness and not for enteral feedings or end of life care.","sources":[{"clause":"41(iv)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-41-iv"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"quote-verified","value":"AYUSH in-patient or day care treatment in an AYUSH Hospital or AYUSH day care centre is covered, with room category or room rent limit as specified in the policy schedule, and includes pre- and post-hospitalization expenses up to 90 days each when the AYUSH claim is admissible.","display":"Covered for in-patient or day care treatment in an AYUSH Hospital/AYUSH day care centre; pre and post up to 90 days","note":null,"quote":"B7. AYUSH Benefit We will cover for Medical Expenses incurred for treatment as in-patient or Day Care Treatment in an AYUSH Hospital/ AYUSH day care centre, for a room category/ Room Rent limit, as specified in the Policy Schedule and applicability of Associated Medical Expenses.\nThis benefit shall also cover Pre-Hospitalization medical expenses for a period of upto 90 days before the date of admission to the AYUSH hospital/ AYUSH day care centre and Post Hospitalization Medical Expenses for a period upto 90 days, subject to AYUSH In-Patient hospitalization or AYUSH day care treatment claim being admissible under this benefit.","sources":[{"clause":"41(vii)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-41-vii"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"quote-verified","value":"Value Plan has mandatory sub-limits for oral chemotherapy, immunotherapy with monoclonal antibody, robotic surgeries, and hematopoietic stem cells for bone marrow transplant for hematological conditions. Other stem cell therapy is excluded.","display":"Covered with mandatory sub-limits for oral chemotherapy, immunotherapy, robotic surgeries and specified hematopoietic stem cell therapy; other stem cell therapy excluded","note":"Figures quoted are Value Plan sub-limits across 5 Lacs to 20 Lacs sum insured.","quote":"Oral chemotherapy | 85,000 | 115,000 165,000 250,000 330,000\nlmmunotherapy- | Monoclonal 140,000 195,000 275,000 415,000 550,000\nAntibody all forms\nRobotic surgeries | 140,000 195,000 275,000 415,000 550,000\nStem cell therapy for Hematopoietic stem cells for bone marrow 140,000 195,000 275,000 415,000 550,000 transplant for hematological conditions ... Stem cell therapy; however, hematopoietic stem cells for bone marrow transplant for haematological conditions will be covered under this Policy, subject to applicable Sub Limits;","sources":[{"clause":"5(d)","heading":null,"page":51,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-5-d"},{"clause":"41(II)(d)(iv)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-41-ii-d-iv"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"quote-verified","value":"Organ donor medical expenses are covered up to the limit in the policy schedule, solely towards harvesting the donated organ for an organ transplant surgery, if the insured person is the recipient and the insured person's surgery claim is accepted under B1.","display":"Covered, solely towards harvesting the organ donated, up to policy schedule limit","note":"Donor pre/post-hospitalization, screening, acquisition, transportation/preservation and complications are excluded.","quote":"B6. Organ Donor We shall cover the Medical Expenses, up to the limits as specified in the Policy Schedule, incurred by or in respect of the organ donor, for an organ transplant Surgery, solely towards the harvesting of the organ donated subject to the following conditions: ... The Insured Person is the recipient of the organ so donated by the organ donor and the claim of such Surgery is accepted by Us under B1 of this Policy;","sources":[{"clause":"41(iv)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-41-iv"},{"clause":null,"heading":"Conditions","page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-conditions"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"quote-verified","value":"Road ambulance is covered up to ₹1,000 per hospitalization. Emergency air ambulance is an optional cover up to ₹5,00,000 per policy year, over and above base sum insured.","display":"Road ambulance up to ₹1,000 per hospitalization; optional air ambulance up to ₹5,00,000 per policy year","note":"Emergency Air Ambulance Cover is optional.","quote":"Road Ambulance Cover | Upto ₹1,000 per hospitalization | Upto ₹1,000 per hospitalization ... Emergency Air Ambulance Cover | Upto ₹5,00,000 per policy year, over and above base Sum Insured | Upto ₹5,00,000 per policy year, over and above base Sum Insured","sources":[{"clause":"27","heading":"Redressal of Grievance","page":21,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/16886#c-27"},{"clause":"27(i)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/16886#c-27-i"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"quote-verified","value":"Restore benefit automatically reinstates 100% of the sum insured once during the policy year if the balance sum insured and accrued 5X Supercharge Bonus is insufficient to pay an admissible claim under B1 to B6. The reinstated sum insured can be used for related or unrelated illness/injury, but for the same illness for an earlier claimant only if admission is beyond 45 days from the preceding discharge/end of domiciliary hospitalization; it does not apply to the first claim of a policy year.","display":"100% of Sum Insured once per Policy Year; related and unrelated claims; same illness only after 45 days; not for first claim","note":"Optional Restore Infinity provides unlimited reinstatement after exhaustion of Restore Benefit, subject to conditions.","quote":"We will automatically reinstate 100% of the Sum Insured, if the balance Sum Insured and accrued 5X Supercharge Bonus is insufficient to pay an admissible claim under B 1 to B6. The restore benefit will be available once during the Policy Year but shall not be available for the first admissible Hospitalization/ Domiciliary Hospitalization claim in each Policy Year. ... The reinstated Sum Insured can be used by the Insured Person(s) for any claim (related or unrelated Illness/ Injury) under B1 to B6 of the Policy. ... However, in case of Any One Illness, this benefit for related Illness/ Injury would be available to the Insured Person(s), who have claimed earlier, only for Hospitalization/ Domiciliary Hospitalization where date of admission is beyond 45 days from the date of discharge of the immediately preceding Hospitalization/ date of end of Domiciliary Hospitalization, for which claim has been paid.","sources":[{"clause":"41(vii)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-41-vii"},{"clause":"41(a)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-41-a"},{"clause":"41(b)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-41-b"}],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"quote-verified","value":"5X Supercharge Bonus adds 50% of the base sum insured of the expiring policy on each renewal, irrespective of claims, if the policy is renewed without a break. Total accrued bonus cannot exceed 500% of the base sum insured.","display":"50% of base Sum Insured on each renewal, irrespective of claims; maximum 500%","note":null,"quote":"We will provide 5X Supercharge Bonus in the form of 50% of the base Sum Insured of the expiring Policy, on each Renewal of the Policy, irrespective of claims in preceding Policy Years, provided that the Policy is renewed with Us without a break. The total accrued 5X Supercharge Bonus shall not exceed 500% of the base Sum Insured in any Policy Year.","sources":[{"clause":"41(c)(i)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-41-c-i"}],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"quote-verified","value":"Non-payable items are excluded under the base policy. If optional Consumables Benefit is opted, specified consumables in Annexure I List I consumed during hospitalization and directly related to medical or surgical treatment are paid, subject to balance sum insured.","display":"Excluded unless optional Consumables Benefit is opted; then specified consumables up to balance Sum Insured","note":"Consumables Benefit is an optional cover, not part of the base cover unless selected.","quote":"Non payable items as mentioned in Annexure I - List I of optional items available on Our website (www.tataaig.com) ... C3. Consumables Benefit Notwithstanding the exclusion mentioned under Section 3.ii (Specific Exclusions ).1.(xi), if this specific optional cover has been opted, then We will pay for expenses incurred, for specified consumables, subject to balance Sum Insured, which are mentioned in Annexure I - List I of Optional Items (Consumables Benefit) available on Our website (www.tataaig.com) which are consumed during the period of Hospitalization directly related to the Insured Person's medical or surgical treatment of Illness/disease/ Injury.","sources":[{"clause":"41(II)(d)(xi)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-41-ii-d-xi"},{"clause":"41(d)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-41-d-2"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"quote-verified","value":"Maternity is excluded, including medical treatment expenses traceable to childbirth, complicated deliveries and caesarean sections during hospitalization, except ectopic pregnancy, and expenses towards miscarriage unless due to an accident and lawful medical termination of pregnancy.","display":"Excluded, except ectopic pregnancy; miscarriage covered only if due to an Accident","note":null,"quote":"Maternity (Code - Exel 18):\n1. Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during Hospitalization) except ectopic pregnancy;\n2. Expenses towards miscarriage (unless due to an Accident) and lawful medical termination of pregnancy during the Policy Period.","sources":[{"clause":"41(II)(d)(iv)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-41-ii-d-iv"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"not-stated","value":null,"display":null,"note":"The documents provided do not state newborn baby cover.","quote":null,"sources":[],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"not-stated","value":null,"display":null,"note":"The documents provided do not specifically state cover for in-patient treatment of mental illness.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"quote-verified","value":"Preventive Annual Health Check-Up is available only as an optional cover; if opted, the insurer or empanelled service provider arranges listed medical tests every policy year, only on cashless basis, for all insured persons irrespective of claim.","display":"Only if optional Preventive Annual Health Check-Up is opted: listed tests every Policy Year, cashless only","note":"This is an optional cover.","quote":"C4. Preventive Annual Health Check-Up Notwithstanding the exclusion mentioned under Section 3.ii (Specific Exclusions).1.(viii), At the request of the Insured Person, We/ Our empanelled service provider will arrange for below listed medical tests every Policy Year provided the Policy is in force with Us. The health check-ups shall be arranged by Us only on cashless basis either at Our empanelled service providers or at Insured Person's residence, as per availability. Health Check Up will be available for all Insured Persons covered under the Policy irrespective of claim. Check-ups under this benefit can be availed once in a Policy Year.","sources":[{"clause":"41(d)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-41-d-2"}],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"quote-verified","value":"The base policy provides teleconsultation services as part of Wellness Services and permits Wellness Reward monetary value to be used towards OPD consultation/treatment, pharmaceuticals, health-check-ups/diagnostics and health supplements. The documents do not state a separate OPD reimbursement sum insured.","display":"Wellness rewards may be used for OPD consultation/treatment; teleconsultations under Wellness Services","note":"OPD use is via wellness rewards/services, not a stated standalone OPD reimbursement limit.","quote":"Teleconsultation - General We /Our empanelled Service Provider will arrange for teleconsultations upon Insured Person's request ... Wellness Reward accumulated through fitness activities can be converted into monetary value as per method defined below and can be utilized towards the payment of services/items under below categories, available through Our Network/ empanelled service provider:\n• OPD consultation/ treatment\n• Pharmaceuticals\n• Health-check-ups/ diagnostics\n• Health Supplements","sources":[{"clause":"41(g)(ix)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-41-g-ix"},{"clause":null,"heading":"Wellness category","page":20,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-wellness-category"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"quote-verified","value":"For Geo Plan, premium is based on residential location/address and India is categorized into Zone A, Zone B and Zone C. Value Plan premium is as per Value Plan, but Value Plan has a 30% co-payment if hospitalization happens outside the Valued Provider-Pan India network.","display":"Geo Plan premium by zone; Value Plan 30% co-pay outside Valued Provider-Pan India network","note":null,"quote":"Premium payable under the 'Geo Plan' will be computed based on the residential location/address as provided by the proposer/Insured Person in the proposal form. ... Zone A: Mumbai (including Mumbai Metropolitan Region), Delhi (including National Capital Region, Faridabad, Ghaziabad), Ahmedabad, Surat & Baroda\n• Zone B: Hyderabad (including Secunderabad), Bengaluru, Kolkata, Indore, Chennai, Chandigarh (including, Mohali, Punchkula, Zirakpur), Pune (including Pimpri Chinchwad) and Rajkot\n• Zone C: Rest of India ... Value | Anywhere within Premium as per Valued Provider 30% Co-Payment if\nPlan India | Value Plan | - Pan India/\\ | Hospitalization\nhappens outside Our network of Valued Provider - Pan India.","sources":[{"clause":"41","heading":"Unproven/Experimental treatment","page":8,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-41"},{"clause":"21","heading":"Zone & Applicability of Plan","page":42,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014#c-21-2"}],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"The final decision on claims is taken by Tata AIG General Insurance Company Limited, and the company may have a specified IRDAI-licensed TPA to administer claims.","display":"Tata AIG takes final decision; may use a TPA","note":null,"quote":"The final decision on all claims is taken by Tata AIG General Insurance Company Limited. We may have a Specified Third Party Administrator (TPA) duly licensed by IRDAI to administer all claims under this policy.","sources":[{"clause":"15","heading":"Claim Procedure","page":14,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/16886#c-15"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Yes, only on family floater basis","note":null,"quote":"The policy offers coverage only on family floater basis.","sources":[{"clause":"1","heading":"Suitability","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/16886#c-1"}],"law":[]}],"documents":[{"kind":"wording","label":"Tata AIG Health Supercharge(TATHLIP24113V012324)","pages":60,"fetched_at":"2026-10-17 20:14:13+00","source_url":"https://www.tataaig.com/s3/Health_Super_Charge_Policy_Wordings_eed27d4280.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/17014"},{"kind":"prospectus","label":"Tata AIG Health Supercharge(TATHLIP24113V012324)","pages":24,"fetched_at":"2026-10-17 20:08:39+00","source_url":"https://www.tataaig.com/s3/tata_aig_supercharge_prospectus_86607613da.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/16886"},{"kind":"cis","label":"Tata AIG Health Supercharge - Value Plan(TATHLIP24113V012324)","pages":7,"fetched_at":"2026-10-17 20:06:32+00","source_url":"https://www.tataaig.com/s3/health_supercharge_value_plan_cis_ec515c4464.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/16825"},{"kind":"cis","label":"Tata AIG Health Supercharge - Geo Plan(TATHLIP24113V012324)","pages":7,"fetched_at":"2026-10-17 20:06:40+00","source_url":"https://www.tataaig.com/s3/health_supercharge_geo_plan_cis_c853045b33.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/16829"},{"kind":"brochure","label":"Tata AIG Health Supercharge(TATHLIP24113V012324) – Value Plan","pages":10,"fetched_at":"2026-10-17 20:06:00+00","source_url":"https://www.tataaig.com/s3/tata_aig_health_supercharge_value_plan_c06aedae0a.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/16819"},{"kind":"brochure","label":"Tata AIG Health Supercharge(TATHLIP24113V012324) – Geo Plan","pages":10,"fetched_at":"2026-10-17 20:06:09+00","source_url":"https://www.tataaig.com/s3/tata_aig_health_supercharge_geo_plan_ac1e122b13.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/16820"},{"kind":"premium","label":"Tata AIG Health Supercharge(TATHLIP24113V012324)","pages":null,"fetched_at":"2026-10-17 20:06:03+00","source_url":"https://www.tataaig.com/s3/tata_aig_supercharge_rate_chart_066edc58bc.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/31822"},{"kind":"proposal","label":"Tata AIG Health Supercharge(TATHLIP24113V012324)","pages":null,"fetched_at":"2026-10-17 20:17:51+00","source_url":"https://www.tataaig.com/s3/tata_aig_supercharge_proposal_form_176b99da62.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324/document/31882"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Tata AIG General Insurance official website","url":"https://www.tataaig.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims process","url":"https://www.tataaig.com/claims-process","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal policy","url":"https://www.tataaig.com/grievance-redressal-policy","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Tata AIG Health Supercharge – Value Plan (UIN TATHLIP24113V012324), IndiaInsurances, https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-health-supercharge-value-plan-tathlip24113v012324"}