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Overview
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.
Preliminary Tests Required for 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.
Benefits of Buying Tata AIG Elder Care Plan for Senior Citizens
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Post-Operative Care
The plan provides home nursing services for medically necessary after-treatment care, which the insured can avail for up to a maximum of 7 days per person in a policy year within India. Additionally, they will be assigned a personalized health manager via telephonic support from the insurer's network service providers.
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Home Physiotherapy
If the insured has been discharged from the hospital after treatment for joint replacement surgery, stroke, or paralysis, they can avail of up to a maximum of 10 physiotherapy sessions at home (within India).
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Home Care Treatment
Insured individuals can get covered for up to 10% of the sum insured if any reasonable and compulsory medical treatment or healthcare support is taken at home. This is subject to the illness or health condition being specified in the policy documents.
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Compassionate Care
The insurer will also offer compassionate cover for a person who is visiting the insured's house to look after them. A maximum of 14 days of cover shall be provided in a policy year up to the post-hospitalization period (only within India).
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Wellness Services
For faster health improvement and sole focus on recovery, the insured person can avail of up to a maximum of 12 teleconsultations in a policy year per policyholder. Additionally, they can avail of diet and nutrition consultations, discounts on medicine, health supplements, diagnostic tests, medical devices, and other health-related facilities.
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Home Assessment & Modification for Elderly Care/Disability
If the insured person requires voluntary assistance with wheelchair/ambulatory support after getting discharged post-treatment/hospitalization, even for home care, the insurer will cover the expenses.
Exclusions
- Rest cure, rehabilitation, and respite care
- Obesity/weight control treatments
- Investigation and evaluation not leading to hospitalization
- Change-of-Gender treatments
- Cosmetic or plastic surgery
- Refractive error correction
- Sterility and Infertility treatments
- Unproven treatments
- Maternity & newborn expenses
- Hazardous or adventure sports injuries
- Breach of law
- War or any act of war, invasion, act of foreign enemies, war-like operations, civil war, etc.
- Intentional self-injury or attempted suicide
Summary
As we age, life requires assurance of safety regarding our health, wealth, and continuous medical support. Tata AIG Elder Care is a healthcare plan for senior citizens who are concerned about their health and managing their finances afterward. Have you planned for your parents' future health needs?
To understand what a senior citizen's health insurance is and how it can benefit your elder parents, visit our page on senior citizen health insurance. To get a quote for Tata AIG Elder Care, call our experts at PolicyX at 1800 4200 269.
