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TATA AIG Supercharge Plan
TATA AIG's Health Supercharge plan offers a fivefold enhancement in your health insurance coverage. This new plan provides access to health…
- 5x benefits
- 5% extra discount for youngsters
- 2 plan variants
- AYUSH treatment
TATA AIG Health Insurance Company
Tata AIG Elder Care Insurance Plan
Tata AIG Elder Care is tailored to offer high-end health coverage bene ...Read More
Up to 3 Crores
Sum insured
1
No. of plans
221+
Pan India presence
-%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,712 reviews
🏥 11,000+ hospitals
📊 1.81 solvency ratio
✅ -% claim settlement
About Tata AIG Elder Care Insurance Plan
A quick read on what this TATA AIG Health Insurance Company plan covers and why it might be a fit for you.
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 at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
61 - 85 years
Plan type
Senior Citizen Health Insurance
Sum insured options
₹5 L, ₹10 L, ₹25 L
Waiting period
30 days
Renewability
Lifelong
Policy term
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.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Preventive health check-up
- Pre-hospitalisation cover
- Post-hospitalisation cover
- Compassionate visit
- In-patient treatment
Cons
- Obesity/weight control
- Change of gender treatments
- Hazardous or adventure sports
- Maternity not covered
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Not covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Covered
- Day-care treatment Covered
- OPD charges Covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Not covered
- Daily hospital cash Not covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Not covered
Modern & preventive care
- Modern treatment Not covered
- Road ambulance Covered
- Air ambulance Covered
- E-consultation Covered
- Health check-up Covered
- Second medical opinion Covered
- Vaccination Not covered
Conditions & global
- Co-payment Covered
- Sub-limits Covered
- Compassionate travel Covered
- Global coverage Not covered
Benefits of Buying Tata AIG Elder Care Plan for Senior Citizens
-
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.
-
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).
-
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.
-
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).
-
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.
-
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.
TATA AIG Health Insurance Company Network Hospital List
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.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
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
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry age-: 61 years
- Max entry age-: 85 years
- SI-: 5-25 Lakhs
- Waiting Period-: 30 days
Other features & benefits
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.
Tata AIG Elder Care Insurance Plan: FAQs
The 4 most-asked questions about Tata AIG Elder Care Insurance Plan, answered.
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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