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Insurance Plans Comparison

TATA AIG Elder Care vs Care Plus

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

Plus

Comprehensive Health Cover with Unlimited Recharge and Wellness Benefits

What Makes It Special:

Care Plus is a comprehensive health insurance plan from Care Health Insurance that combines hospitalisation cover with unlimited automatic recharge, inflation-linked sum insured increases, and a No Claim Bonus Protect benefit. It also offers annual health check-ups, OPD benefits and optional maternity and newborn cover. The available room category, co-payment...

Best For:

  • Eligible families considering optional maternity and newborn cover.

  • Customers interested in OPD and wellness-related benefits.

  • People seeking additional protection against rising medical costs.

  • Customers who value unlimited automatic recharge for repeated claims.

  • Individuals and families looking for comprehensive hospitalisation cover.

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

TATA AIG Elder Care

  • 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.

Care Plus

  • Check optional maternity cover, OPD limits, deductible choices and Smart Select co-payment conditions.

  • Compare the No Claim Bonus Protect and unlimited recharge conditions.

  • Review the 30-day initial, 24-month specific illness and 36-month PED waiting periods.

  • Check room eligibility carefully, particularly for sum insured below ₹5 lakh.

  • Choose a sum insured that reflects your family's potential hospitalisation expenses.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Elder Care
Elder Care

Health Insurance Plan

Brochure

Policy Wording

VS
Plus
Plus

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Elder Care

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

VS

Plus

  1. Normal: eligible to opt for a single A/C room or any low category room.

     

  2. ICU: No limit, the plan will cover the entire costs without restrictions
ICU Charges

Elder Care

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


VS

Plus

For sum insured below ₹5 lakh, ICU charges are limited to 2% of the sum insured per day under the referenced brochure. For sum insured of ₹5 lakh or more, ICU charges have no separate monetary limit, subject to policy terms.

Advanced Treatments

Elder Care

Information Unavailable

VS

Plus

  1. Provides coverage for advanced treatments like;
  2. Deep brain stimulation
  3. Oral chemotherapy
  4. Uterine artery embolization
  5. HIFU
  6. Robotic surgeries And many more.
Disease-wise sublimits

Elder Care

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

VS

Plus

Information Unavailable

Co-payment

Elder Care

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

VS

Plus

Mandatory copayment limit of 20% for individuals above the age of 61.

Cashless Healthcare Providers

Elder Care

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

VS

Plus

24800 + network hospitals

Restoration Benefit

Elder Care

Not specifically mentioned in the available product reference.

VS

Plus

Unlimited automatic recharge of the sum insured is a key advertised benefit. The brochure states that it can be used for the same insured person and the same illness. Actual utilisation remains subject to the applicable recharge rules and policy conditions.

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

Plus

The No Claim Bonus Protect benefit increases the sum insured by 50% for each claim-free policy year, up to 200% of the base sum insured. The accrued bonus can reduce after a claim, subject to the policy's claim thresholds and bonus rules.

Daycare Treatment

Elder Care

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

VS

Plus

3 - 7 lacs sum insured for up to 24 hour hospitalization. 

Consumable Cover

Elder Care

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

VS

Plus

Standard hospitalisation coverage should not be interpreted as coverage for every non-medical consumable. Consumables are covered only where included under the applicable policy terms or an eligible add-on.

AYUSH Treatment

Elder Care

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

VS

Plus

3 - 7 lacs sum insured for any non allopathic treatment covered by AYUSH.

Initial Waiting Period

Elder Care

30 days, subject to applicable policy terms and exceptions.

VS

Plus

30 days for illnesses from policy commencement. This waiting period does not apply to eligible accident-related treatment, subject to the policy terms.

Specific Waiting Period

Elder Care

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

VS

Plus

24 months for specified illnesses and procedures listed in the policy. The applicable exclusions and conditions continue to apply.

PED Waiting Period

Elder Care

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

VS

Plus

36 months for pre-existing diseases under the referenced policy version, subject to accurate disclosure, underwriting and applicable policy terms.

Modern Treatment

Elder Care

Not specified in the supplied brochure

VS

Plus

Covers eligible advanced technology treatment methods listed under the policy, subject to medical necessity, admissibility conditions and the applicable sum insured.

Annual Health Checkup

Elder Care

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

VS

Plus

Available once in each policy year for each eligible insured member, subject to the insurer's prescribed arrangements and conditions.

Pre-Hospitalisation

Elder Care

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

VS

Plus

Covers eligible medical expenses for up to 60 days before hospitalisation, subject to the related hospitalisation claim being admissible.

Post-Hospitalisation

Elder Care

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

VS

Plus



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

Plus

OPD consultation and specified dental and ophthalmic treatment benefits are available within prescribed limits. The referenced brochure lists limits of ₹1,500 for sum insured of ₹5–7 lakh and ₹2,500 for sum insured of ₹10–25 lakh, with a maximum of ₹350 per consultation. Check the applicable variant terms for eligibility.

Deductible Option

Elder Care

Not specifically mentioned in the available product reference.

VS

Plus

Deductible options are available as optional choices, including ₹1 lakh, ₹2 lakh, ₹3 lakh and ₹5 lakh under the referenced prospectus. Availability and applicable terms depend on the selected policy option.

Coverage Options

Elder Care

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

VS

Plus

Deductible options are available as optional choices, including ₹1 lakh, ₹2 lakh, ₹3 lakh and ₹5 lakh under the referenced prospectus. Availability and applicable terms depend on the selected policy option.

Claim Settlement Ratio

Elder Care

Not mentioned in the available product reference.

VS

Plus

Care Health Insurance's insurer-level claim settlement ratio is reported as 96.74% for FY 2024–25 in a secondary source referencing IRDAI data. This is an insurer-level metric, not a guarantee of approval for an individual Care Plus claim.

Maternity Cover

Elder Care

Not specifically mentioned in the available product reference.

VS

Plus

Deductible options are available as optional choices, including ₹1 lakh, ₹2 lakh, ₹3 lakh and ₹5 lakh under the referenced prospectus. Availability and applicable terms depend on the selected policy option.

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Why Choose Our Expert Consultation?

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Free Expert Consultation

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

24/7 Claim Assistance

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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

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  • 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

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

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

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Frequently Asked Questions (FAQs)

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