Network hospitals
11000+
Incurred claim ratio
96.70%
Sum insured
Up to 3 Crores
No. of Plans
1
Solvency Ratio
3.9
Pan India Presence
221+
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. Additionally, you need to know that this health plan has distinct coverage benefits based on the zone or city where the proposer resides. Hereafter, the value of the sum insured and payable premiums also vary.
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 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:
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 Prole, 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 Prole, Serum Creatinine, Serum Glutamic Oxaloacetic Transaminase, Serum Glutamic Pyruvic Transaminase, Urine Routine, Electrocardiogram, 2D Echo Cardiogram, Ultra-Sonography |
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.
To understand Tata AIG Elder Care Insurance Plan Insurance in detail, take a look at the below table:
61 - 85 years
Senior Citizen Health Insurance
5 L | 10 L | 25 L
30 Days
Lifelong
1, 2, 3 Years
*Initial Waiting Period is the time 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.
Read more specifications in the brochure.
With wide coverage options available, Tata AIG Elder Care Insurance Plan Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Covered
ICU Charges
Not Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Covered
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Covered
Automatic Restoration
Not Covered
Daily Hospital Cash
Not Covered
Organ Donor
Not Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Not Covered
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Covered
Global Coverage
Not Covered
E-Consultation
Covered
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Not Covered
Co-payment
Covered
Sub-limits
Covered
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
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 against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
TATA AIG Health Insurance Company Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, TATA AIG Health Insurance Company 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.
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.
To cater to the different medical needs of an individual & their family, TATA AIG Health Insurance Company offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to TATA AIG Health Insurance Company plans explore more:
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Individual and Family Health Insurance
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Critical Illness Health Insurance
Be ready for future health complications that may chew down all your wealth and health! Or choose Tata AIG Criti MediCare which has your back. Tata AI...
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Top Up and Super Top Up
TATA AIG Medicare Policy offered by Tata AIG is an affordable top-up policy that is designed to look after your and your family's healthcare needs. Me...
Unique Features
Individual and Family Health Insurance
TATA AIG Medicare is a comprehensive health insurance plan that is specifically designed by keeping in mind the increasing cost of medical expenses. T...
Unique Features
Individual
To ensure total health coverage for women, Tata AIG Health Insurance has introduced the Wellsurance Women Policy. This plan is specially designed to p...
Unique Features
Family
TATA AIG's Health Supercharge plan offers a fivefold enhancement in your health insurance coverage. This new plan opens the availability to different...
Unique Features
Those who are elder members of a family aged 60+ years should buy this health plan.
Yes, depending on the health status of the elder citizen/insurance proposer, there will be risk-loading charges.
You can avail of the tax deductions benefit under section 80D of the Income Tax Act 1986 against the premiums paid for your Elder Care policy.
The discounts on payable premiums that can be availed with Tata AIG Elder Care are as follows: Policy term 3 years: 10% long-term discount Policy term 2 years: 5% long-term discount Family floater (for 2 members): 20% discount
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Lives In: Delhi, NCR Expertise: Health & Term Insurance Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing 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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February 5, 2023
Asia/Kolkata
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