Trusted Naam, Fantastic Kaam! Choose all-round 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. Additionally, you need to know that this health plan has distinct sets of coverage benefits based on the zone or city, in which the proposer is residing. Hereafter, the value of the sum insured and payable premiums also vary.
On this page we've discussed further the benefits, eligibility criteria, specifications of coverage, exclusions, and so on for the Tata AIG Elder Care plan.
Buying Tata AIG Elder Care health insurance requires some preliminary tests that justify the senior's authority over the policy. Here is a list of the tests that an individual from the age of 61 years and above needs to go through to buy this plan:
Note: i) These tests are independent of the chance where the aged proposer has a pre-existing critical condition/s. In such cases, there might be some other pre-policy medical check-ups to be done. Note: ii) At least 50% of the charges for all these preliminary tests would be paid by the insurer, given that the policy proposal is accepted.
Eligibility Criteria for Tata AIG Elder Care Policy
Entry Age
61 - 85 years
Policy Type
Individual/Family
Sum Insured
INR 5-25 Lakhs
Policy Term
1/2/3 year/s
Initial Waiting Period*
30 days
*The Initial Waiting Period is the period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
To know more about the plan read the brochure provided below:
Benefits of Buying Tata AIG Elder Care Plan for Elder Citizens
Post-operative care
The plan provides home nursing services for medically necessary after-treatment care that the insured can avail upto a maximum of 7 days of care per person in a policy year within India. Additionally, they will be assigned a personalized health manager via telephonic support of the insurer's network service providers.
Home physiotherapy
If the insured has been discharged from the hospital after getting treated with joint replacement surgery, stroke or paralysis, they can avail of upto a maximum of 10 physiotherapy sessions at home (within India).
Home care treatment
Insured individuals can get covered for upto 10% of the sum insured if there's any reasonable and compulsory medical treatment or healthcare support is taken at home. The condition for which is, the illness or health condition must be specified in the policy documents.
Compassionate care
The insurer will also offer compassionate cover for a person who's visiting the insured's house to look after them. A maximum of 14 days of cover shall be provided in a policy year upto the post-hospitalization period (only within India).
Wellness services
For faster health improvement and sole focus on recovery, the insured person can avail of upto 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 facilitations.
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 on home care, the insurer will cover the expenses.
Specifications of the Tata AIG Elder Care Plan
In-patient & Out-patient Coverage
Room Rent
Covered
ICU Charges
NA
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Covered
Automatic Restoration
NA
Daily Hospital Cash
NA
Organ Donor
NA
Maternity Cover
NA
New Born Baby Cover
NA
Alternative Treatments
AYUSH Treatment
Covered
IVF Treatment
NA
Modern Treatment
NA
Emergency Coverage
Ambulance
Covered
Air Ambulance
NA
Compassionate Travel
Covered
Global Coverage
NA
Wellness Programmes
E-Consultation
Covered
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
NA
Limitations
Co-payment
Available
Sub-limits
Available
What is Room Rent?
The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized
Common Room categories covered under room rent are:
Private Single AC Room
Twin Sharing
General Ward
Coverage status under the Tata AIG Elder Care Plan
Covered for a single private room
What are ICU Charges?
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under the Tata AIG Elder Care Plan
Not covered
What is Pre Hospitalization?
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under the Tata AIG Elder Care Plan
Covered upto 30 days before hospitalization
What is Post Hospitalization?
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under the Tata AIG Elder Care Plan
Covered upto 60 days after hospitalization
What is Domiciliary Hospitalization?
Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.
Coverage status under the Tata AIG Elder Care Plan
Covered under home care treatment
What is Daycare Treatment?
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under the Tata AIG Elder Care Plan
Covered
What are OPD charges?
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.
Coverage status under the Tata AIG Elder Care Plan
Covered
What is COVID-19 Treatment?
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under the Tata AIG Elder Care Plan
Covered
What is Cataract Treatment?
A common eye condition in which your vision gets blurred.
Coverage status under the Tata AIG Elder Care Plan
Covered (per eye per insured person):
Zone A: INR 50,000/ 75,000/ 1,00,000
Zone B: INR 47,500/ 70,000/ 95,000
Zone C: INR 40,000/ 60,000/ 80,000
What is a No-Claim Bonus?
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under the Tata AIG Elder Care Plan
A 10% cumulative bonus will be applicable after every policy renewal and the maximum bonus shall not exceed 100% of the base sum insured.
What is Automatic Restoration?
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under the Tata AIG Elder Care Plan
Not covered
What is Daily Hospital Cash?
It is a cash amount that you receive each day during the time of hospitalization..
Coverage status under the Tata AIG Elder Care Plan
Not covered.
What is an Organ Donor Cover?
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under the Tata AIG Elder Care Plan
Not covered
What is a Maternity Cover?
It refers to the cover that includes expenses for normal and c-section procedure deliveries.
Coverage status under the Tata AIG Elder Care Plan
Not covered
What is a New Born Baby Cover?
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
ongenital anomaly (conditions since birth)
Acute condition
Chronic condition
Premature delivery
Birth asphyxia
Day care treatment
Coverage status under the Tata AIG Elder Care Plan
Not Covered
What is AYUSH Treatment?
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under the Tata AIG Elder Care Plan
Covered upto 50% of the sum insured
What is IVF Treatment?
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Full infertility
No fertility
Infertility diagnosis
Infertility diagnosis and limited fertility treatment
Medication (which may or may not include fertility drug prescriptions)
Coverage status under the Tata AIG Elder Care Plan
Not covered
What is a Modern Treatment?
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under the Tata AIG Elder Care Plan
Not covered
What is an Ambulance Cover?
An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.
Coverage status under the Tata AIG Elder Care Plan
Road ambulance is covered upto INR 5,000 per hospitalization
What is an Air Ambulance?
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under the Tata AIG Elder Care Plan
Not covered
What is Compassionate Travel?
Refers to the traveling expenses of a family member of the insured person in case the policyholder gets admitted to a hospital outside his/her residential city.
Coverage status under the Tata AIG Elder Care Plan
Covered for a maximum of up to 14 days per insured person per policy year within India only
What is Global Coverage?
Any kind of medical/health emergency when you are outside of India.
Coverage status under the Tata AIG Elder Care Plan
Not covered
What is E-Consultation?
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under the Tata AIG Elder Care Plan
Covered for a maximum of 12 teleconsultations (general), per year per insured person
What is a Health Checkup?
A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.
Coverage status under the Tata AIG Elder Care Plan
Preventive health check-up is covered once after a block of every two continuous claim-free years for listed tests on a cashless basis
What is a Second Medical Opinion?
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.
Coverage status under the Tata AIG Elder Care Plan
Covered, once in a policy year for medical conditions as listed in the policy
What is Vaccination cover?
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under the Tata AIG Elder Care Plan
Not Covered
What is Co-payment?
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Coverage status under the Tata AIG Elder Care Plan
Applicable, mandatory co-payment - 20%
A mandatory co-payment of 20% shall not be applicable on claims incurred for Cataracts and Joint Replacement Surgery.
What is the Sub limit?
Sub-limits are the specific limits set in an insurance policy for its various features. For example, there are usually sub-limits set on room rent, OPD, doctor's fees, ambulance charges, family visits, etc. Small amounts of the total sum insured are allotted to different features that the policy comes with and exceeding these amounts leads to out-of-pocket expenses from the policyholder.
Coverage status under the Tata AIG Elder Care Plan
Applicable, sub-limits will also include the expenses incurred on pre-hospitalisation and post hospitalisation expenses.
Sub-limits on specified surgical procedures are imposed for SI INR 5 Lacs/ 10 Lacs/ 25 Lakhs respectively.
TATA AIG Health Insurance Network Hospital List
TATA AIG Health Insurance Network Hospitals are present in 30 states nationwide. With a wide network of hospitals, TATA AIG Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
There are several benefits and inclusions of the plan, still you must know what it doesn't cover for the insured. Here are the exclusions of Tata AIG Elder Care health insurance policy:-
Rest cure, rehabilitation and respite care
Obesity/ weight control
Investigation and evaluation
Change-of-Gender treatments
Cosmetic or plastic surgery
Refractive error
Sterility and Infertility
Unproven treatments
Maternity & newborn expenses
Hazardous or adventure sports
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
Others, as per the terms and conditions/exclusion specifications of the Tata AIG Elder Care insurance.
Long Story Short
No matter how old we go, life needs an assurance of safety regarding our health, wealth, and continuous medical support. Tata AIG Elder Care is a healthcare plan for senior citizens who are worried about their health and managing their finances afterwards. So, when are you planning for your parents' future health needs?
To know what a senior citizen's health insurance is and how it can benefit your elder parents, click here. Or to get a quote for Tata AIG Elder Care, call our experts of PolicyX at 1800 4200 269.
A health plan that supports you in times of medical emergencies. The plan comes in 3 types, Tata AIG MediCare, Tata AIG MediCare Protect, and Tata AIG MediCare Premier.
A comprehensive plan designed for global cover for accidental hospitalization and high-end diagnostics such as Chemotherapy and Radiotherapy.
Unique Features
Waiver of Premium
Psychiatric Counseling
Advanced Treatment for Cancer
Tata AIG Criti-MediCare (Pros)
Accidental Hospitalization
Health Check-up
Consumables Benefit
Home Physiotherapy
Wellness Benefit
Tata AIG Criti-MediCare (Cons)
Injury due to Suicide Attempt
Death due to Drugs
Injuries Due to Breach of Law
Injuries/Death due to Aviation
STDs
Tata AIG Criti-MediCare (Other Benefits)
Post Traumatic Surgery
Hip replacement
Cancer 360 Degree Benefit
E-Policy Discount @ 2.5%
Multi Cover Discount @ 2.5%
Tata AIG Criti-MediCare (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 5 L - 2 Crore
Waiting Period - 30 Days
Standard plan
Model Policy For Persons With Disabilities And HIV AIDS
The plan offers coverage for HIV/AIDS. Additionally, the plan covers acid attack victims and modern treatment
Unique Features
Mental Illness
Cerebral Palsy
Blindness
(Pros)
Multiple Sclerosis
Muscular Dystrophy
Leprosy Cured Persons
Parkinson's disease
Speech and Language Disability
(Cons)
No Sterility and Infertility
Maternity Cover
No Global Cover
Anti-Retroviral Treatment
No Suicide Cover
(Other Benefits)
Locomotor Disability
Dwarfism
Intellectual Disability
Specific Learning Disabilities
Thalassemia
(Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 4L to 5L
Waiting Period - 30 Days
Standard plan
Group Credit Secure Plus
The plan offers the group coverage for accidental death, accidental dismemberment, and accidental paralysis.
Unique Features
End Stage Renal Failure
Cancer Cover
Funeral Expenses
Group Credit Secure Plus (Pros)
Multiple Sclerosis
Bone Marrow Transplant
Open Heart Valve Replacement
Permanent Paralysis of Limbs
First Heart Attack
Group Credit Secure Plus (Cons)
No Transient Ischemic Attacks
Traumatic injury of the brain
Injuries Due to Breach of Law
Injuries/Death due to Aviation
No Suicide Cover
Group Credit Secure Plus (Other Benefits)
Education Benefit
Permanent Partial Disability
Worldwide Coverage
Major Organ Transplant
Child Cover
Group Credit Secure Plus (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - NA
Waiting Period - 30 Days
Standard plan
Tata AIG Covid Protection Group Insurance
The group's hospitalization for COVID-19 is covered by the plan. This plan also includes coverage for, PPE kits, gloves, masks, and comparable other costs.
Unique Features
Cost of Pulse Oximeter
Cost of Oxygen Cylinder
Cost of Pulse Nebulizer
Covid Protection Group (Pros)
Daycare Procedures
AYUSH benefits
Family Discount
Discount To Healthcare Workers
Hospital Daily Cash
Covid Protection Group (Cons)
No War Injury Cover
No Obesity Treatment Cover
Injuries Due to Breach of Law
Injuries/Death due to Aviation
No Suicide Cover
Covid Protection Group (Other Benefits)
Pre-Hospitalisation
Post-Hospitalisation
Ambulance Charges
Hospitalization Expenses
Health Check-ups
Covid Protection Group (Eligibility Criteria)
Entry Age - 0 Years
Max Entry Age - 65 Years
SI - NA
Waiting Period - 15 Days
Standard plan
Tata AIG Group Hospi Cash
The plan offers fixed daily cash allowance during hospitalization, covering additional expenses and providing financial security.
Unique Features
Congenital Anomaly
Day Care Centre
Inpatient Care
Tata AIG Group Hospi Cash (Pros)
Maternity expenses
Intensive Care Unit
Medically Necessary Treatment
Osteoporosis
Non-Infective Arthritis
Tata AIG Group Hospi Cash (Cons)
Injury due to Suicide Attempt
Death due to Drugs
Injuries Due to Breach of Law
Injuries/Death due to Aviation
STDs
Tata AIG Group Hospi Cash (Other Benefits)
Gout and Rheumatism
Prolapsed Uterus
Liver Cirrhosis
Cataract Cover
Kidney stone Treatment
Tata AIG Group Hospi Cash (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - Upto 5L
Waiting Period - 30 Days
Standard plan
Sakhi Tata AIG Maternal Care Micro
The plan provides coverage for major, intermediate, and minor maternal complications, as well as surgical complications.
Unique Features
Septic Shock
Family Transportation Benefit
Disseminated Intravascular Coagulation
Sakhi Maternal Care Micro (Pros)
Institutional Delivery Benefit
Congenital Anomalies
Cardiac disease
Eclampsia cover
High-Risk Pregnancy Check-up Benefit
Sakhi Maternal Care Micro (Cons)
No Non-Allopathic Treatment
No Sterility Cover
No Renewal Benefit
Injuries/Death due to Aviation
No Suicide Cover
Sakhi Maternal Care Micro (Other Benefits)
Postpartum Hemorrhage
Abruptio Placentae Cover
Placenta Previa
Uterine Rupture Means
Amniotic Fluid Embolism Cover
Sakhi Maternal Care Micro (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - NA
Waiting Period - 30 Days
Standard plan
Sakhi Tata AIG Maternal Care
The plan provides coverage for various maternal complications during pregnancy and childbirth, offering fixed benefit amounts for different conditions.
Unique Features
Inpatient Hospitalization Benefit
Family Transportation Benefit
Intensive Care Unit
Sakhi Tata AIG Maternal Care (Pros)
Institutional Delivery Benefit
Congenital Anomalies
Cardiac disease
Eclampsia cover
High-Risk Pregnancy Check-up Benefit
Sakhi Tata AIG Maternal Care (Cons)
No Non-Allopathic Treatment
No Sterility Cover
Injuries Due to Breach of Law
Injuries/Death due to Aviation
No Suicide Cover
Sakhi Tata AIG Maternal Care (Other Benefits)
Postpartum Hemorrhage
Abruptio Placentae Cover
Placenta Previa
Uterine Rupture Means
Amniotic Fluid Embolism Cover
Sakhi Tata AIG Maternal Care (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - NA
Waiting Period - 30 Days
Standard plan
Tata AIG Corona Kavach Policy
The plan provides coverage for COVID-19 hospitalization. This plan also covers home care treatment expenses, PPE Kit, gloves, mask and similar other expenses.
Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.
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