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TATA AIG Elder Care vs Care Enhance Super Top-up Two

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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TATA AIG

Elder Care

Elder Care

What Makes It Special:

A senior citizen health insurance plan designed for individuals aged 61 years and above, with hospitalisation coverage and specialised elderly-care support services.

Best For:

  • Individuals seeking health coverage for age-related healthcare needs.

  • Seniors looking for wellness services and teleconsultation support.

  • People who may need home-care support after hospitalisation.

  • Retired individuals looking for health insurance coverage.

  • Senior citizens aged 61 years and above.

VS
Care

Enhance Super Top-up Two

High-value super top-up health cover with flexible deductibles for major hospitalisation expenses.

What Makes It Special:

Enhance 2 is a high-deductible health insurance option from Care Health Insurance Limited, designed to provide additional cover once eligible medical expenses cross the selected policy deductible. It offers sum insured choices from ₹30 lakh to ₹55 lakh and deductible options of ₹5 lakh, ₹10 lakh, ₹15 lakh and ₹20...

Best For:

  • Individuals looking for high sum insured options of ₹30 lakh to ₹55 lakh.

  • Buyers who can comfortably manage the selected deductible through savings or another insurance policy.

  • Families seeking a higher overall level of hospitalisation cover without buying an equivalent amount of base health insurance.

  • Buyers who understand the plan's waiting periods, room category, co-payment and exclusions before choosing it.

  • People who already have employer-provided or personal health insurance and want additional protection against large hospital bills.

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

  • Check the room eligibility and waiting periods carefully, especially the 48-month waiting period for joint replacement surgeries.

  • Review the mandatory 20% co-payment and the optional Co-Payment Waiver Add-On before choosing the plan.

  • Home Care Treatment Cover is available for specified illnesses and procedures, up to 10% of the Sum Insured.

  • The plan includes elderly-care services such as home nursing, home physiotherapy and compassionate care, subject to eligibility.

  • Consider this plan if you are looking for health insurance designed specifically for senior citizens.

  • Check the base policy: Confirm that your existing policy or available funds can meet the deductible and that the policies' terms work together for claims.

  • Compare room eligibility: The brochure describes a single private AC room with upgrading to the next level; check the exact room entitlement and any linked deductions in the issued wording.

  • Review waiting periods: Account for the 30-day initial waiting period, 24-month named-ailment waiting period and 36-month pre-existing disease waiting period specified in the supplied Customer Information Sheet.

  • Confirm the exact policy version: Benefits and exclusions can change. Verify the policy wording, Customer Information Sheet, deductible and sum insured combination offered at purchase.

  • Choose the deductible carefully: Ensure that you can fund the selected ₹5 lakh to ₹20 lakh deductible when a claim arises.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Elder Care
Elder Care

Health Insurance Plan

VS
Enhance Super Top-up Two
Enhance Super Top-up Two

Health Insurance Plan

Room Rent

Elder Care

Single Private Room. Choosing a room category outside the permitted eligibility may affect claim settlement as per policy terms.

VS

Enhance Super Top-up Two

Single private AC room, with upgrading to the next room category permitted .

ICU Charges

Elder Care

Not separately specified in the supplied brochure. In-Patient Treatment is covered up to the Sum Insured.


VS

Enhance Super Top-up Two

ICU charges are covered without a separate monetary limit stated in the brochure, subject to the policy's sum insured, deductible and terms.

Disease-wise sublimits

Elder Care

Specific disease-wise sublimits are not fully detailed in the available product reference. Verify from the policy wording.

VS

Enhance Super Top-up Two

No separate disease-wise sub-limit

Co-payment

Elder Care

Mandatory 20% co-payment applies to admissible claims. An optional Co-Payment Waiver Add-On is available.

VS

Enhance Super Top-up Two

A 20% co-payment applies to each admissible claim for first-time entrants aged 61 years or above and their subsequent renewals, as described in the Customer Information Sheet.

Cashless Healthcare Providers

Elder Care

Cashless treatment is available through the insurer's network hospitals, subject to pre-authorisation and policy terms.

VS

Enhance Super Top-up Two

Cashless treatment is available at the insurer's network hospitals, subject to hospital participation and pre-authorisation. Use the current Care Health Insurance hospital locator for the live network count.

Restoration Benefit

Elder Care

Not specifically mentioned in the available product reference.

VS

Enhance Super Top-up Two

No standard restoration benefit.

Cumulative Bonus

Elder Care

10% increase for every claim-free year, up to a maximum of 100% of the Sum Insured. Alternatively, No Claim Discount in premium can be opted for instead of Cumulative Bonus.


VS

Enhance Super Top-up Two

No standard cumulative bonus.

Daycare Treatment

Elder Care

Covered up to the Sum Insured, subject to policy terms.

VS

Enhance Super Top-up Two

Specified daycare treatments requiring less than 24 hours of hospitalisation are covered, subject to the policy wording.

Consumable Cover

Elder Care

Consumables benefit is included, subject to applicable policy terms and conditions.

VS

Enhance Super Top-up Two

No separate standard consumables benefit.

AYUSH Treatment

Elder Care

Covered up to the Sum Insured, subject to policy terms.

VS

Enhance Super Top-up Two

Covered benefit up to the sum insured, subject to applicable policy terms and exclusions.

Initial Waiting Period

Elder Care

30 days, subject to applicable policy terms and exceptions.

VS

Enhance Super Top-up Two

30 days for illnesses, except accidents; the waiting period does not apply to continuous renewals as described in the Customer Information Sheet.

Specific Waiting Period

Elder Care

24 months for specified diseases and procedures. Joint replacement surgeries have a 48-month waiting period.

VS

Enhance Super Top-up Two

24 months of continuous coverage for listed named ailments and procedures, subject to the policy wording.

PED Waiting Period

Elder Care

24 months for pre-existing diseases disclosed and accepted by the insurer.

VS

Enhance Super Top-up Two

36 months for pre-existing diseases.

Modern Treatment

Elder Care

Not specified in the supplied brochure

VS

Enhance Super Top-up Two

Covers eligible inpatient and specified daycare treatment under the policy. Advanced technology methods are subject to the treatments expressly covered in the applicable policy wording.

Annual Health Checkup

Elder Care

Preventive health consultations are available. Exact check-up limits should be verified from the policy wording.

VS

Enhance Super Top-up Two

Available for covered adult members, irrespective of claim history, subject to policy terms.

Pre-Hospitalisation

Elder Care

Covered for up to 30 days before hospitalisation, subject to policy terms.

VS

Enhance Super Top-up Two

Eligible medical expenses for up to 30 days before hospitalisation.

Post-Hospitalisation

Elder Care

Post-hospitalisation support includes eligible home nursing, physiotherapy and compassionate care services, subject to policy conditions.

VS

Enhance Super Top-up Two

Eligible medical expenses for up to 60 days after hospital discharge.

Outpatient Department Cover (OPD Expense)

Elder Care

High-end diagnostic tests are covered up to ₹20,000 per policy year, subject to policy terms.

VS

Enhance Super Top-up Two

Routine outpatient treatment is excluded under the supplied policy wording. Do not list standard OPD treatment as an included benefit.

Deductible Option

Elder Care

Not specifically mentioned in the available product reference.

VS

Enhance Super Top-up Two

₹5 lakh, ₹10 lakh, ₹15 lakh or ₹20 lakh per policy year, subject to available combinations. Eligible expenses are payable under the policy only after the applicable deductible is met.

Coverage Options

Elder Care

Sum Insured options include ₹5 lakh, ₹10 lakh and ₹25 lakh, subject to availability under the applicable policy.

VS

Enhance Super Top-up Two

Sum insured options of ₹30 lakh, ₹35 lakh, ₹40 lakh, ₹45 lakh, ₹50 lakh and ₹55 lakh, subject to available deductible combinations.

Claim Settlement Ratio

Elder Care

Not mentioned in the available product reference.

VS

Enhance Super Top-up Two

96.99%

Maternity Cover

Elder Care

Not specifically mentioned in the available product reference.

VS

Enhance Super Top-up Two

Maternity and childbirth-related hospitalisation expenses are excluded under the supplied brochure, except for the stated ectopic-pregnancy exception.

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Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

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Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

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  • Tailored for seniors healthcare needs

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Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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