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Trusted Naam, Fantastic Kaam! Choose all-around care for your health with the Tata AIG Elder Care plan.
Tata AIG Elder Care is tailored to offer high-end health coverage benefits that include in-patient hospitalization, treatment, preventive health check-ups, daycare procedures, AYUSH treatment, ambulance services, diagnostic tests, medical second opinion, and much more. This health plan has distinct coverage benefits based on the zone or city where the proposer resides, which also affects the sum insured and payable premiums.
On this page, we've discussed the benefits, eligibility criteria, coverage specifications, exclusions, and other details of the Tata AIG Elder Care plan.
Buying Tata AIG Elder Care health insurance requires some preliminary tests to justify the senior's eligibility. Here is a list of tests an individual aged 61 years and above needs to undergo to buy this plan:
| Age of the proposer (in years) | Preliminary tests required |
|---|---|
| 61-70 Years | Medical Examination Report, Complete Blood Count and Erythrocyte Sedimentation Rate, Haemoglobin A1C, Lipid Profile, Serum Creatinine, Serum Glutamic Oxaloacetic Transaminase, Serum Glutamic Pyruvic Transaminase, Urine Routine, Electrocardiogram |
| 71 Years & above | Medical Examination Report, Complete Blood Count and Erythrocyte Sedimentation Rate, Haemoglobin A1C, Lipid Profile, Serum Creatinine, Serum Glutamic Oxaloacetic Transaminase, Serum Glutamic Pyruvic Transaminase, Urine Routine, Electrocardiogram, 2D Echo Cardiogram, Ultra-Sonography |
Note: These tests are independent of any pre-existing critical condition(s) the aged proposer may have. In such cases, additional pre-policy medical check-ups might be required.
Note: At least 50% of the charges for all these preliminary tests would be paid by the insurer, provided the policy proposal is accepted.
| PLAN DETAILS |
Tata Aig Elder Care Plan |
Aditi Health Insurance |
| Product Type | Senior Citizen Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
11000 | 2400 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Not Available |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Not Available |
| Plan Entry Age | 61 - 85 years | 18 years |
| Plan Premium Entry Age and S/A | 22,640 | 3456 |
| Plan Waiting Period | 30 | Nil |
| Plan Coverage | - | Hospitalisation expenses, ICU charges, daycare procedures, pre and post-hospitalisation, and emergency ambulance cover. |
| Plan Sample Premium | 22640 | 3456 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2, 3 Years | 1 year |
| ICU Charges | Not Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not Covered | Not Covered |
| Ayush Treatment | Covered | Not Covered |
| Modern Treatment | Not Covered | Not Covered |
| E Consultation | Covered | Not Covered |
| Air Ambulance | Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | - | 100 |
| Solvency Ratio | 1.81 | 1.61 |
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