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TATA AIG Elder Care vs Care Supreme Value for Money

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

Supreme Value for Money

Affordable health insurance with hospitalisation cover, unlimited automatic recharge and a cumulative bonus that can double the base sum insured.

What Makes It Special:

Care Supreme is a health insurance plan from Care Health Insurance that combines hospitalisation coverage with unlimited automatic recharge and a cumulative bonus of up to 100% of the base sum insured. The Value for Money variant is designed around essential hospitalisation protection at a competitive premium, with important conditions...

Best For:

  • Buyers who prioritise hospitalisation coverage over standard maternity and routine OPD benefits.

  • Customers comfortable using designated Smart Select hospitals to manage co-payment exposure.

  • Buyers who want a cumulative bonus that can increase the base sum insured by up to 100%.

  • Customers who value unlimited automatic recharge for eligible repeat hospitalisations.

  • Individuals and families looking for health insurance with essential hospitalisation benefits.

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.

  • Additional benefits: Compare optional waiting-period modifications, OPD coverage and non-payable expense protection where available.

  • Waiting periods: Consider the 30-day initial waiting period, 24-month specific illness waiting period and 36-month pre-existing disease waiting period.

  • Network hospitals: Check whether suitable Smart Select hospitals are accessible where you live and expect to seek treatment.

  • Room eligibility: Understand the permitted room category and the potential financial impact of choosing a higher category.

  • Sum insured: Choose cover based on your location, healthcare costs, family size and financial commitments.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Elder Care
Elder Care

Health Insurance Plan

VS
Supreme Value for Money
Supreme Value for Money

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

Supreme Value for Money

Room eligibility is restricted under the Value for Money variant. The applicable room category and any associated claim deductions must be considered when choosing hospital accommodation.

ICU Charges

Elder Care

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


VS

Supreme Value for Money

Eligible ICU expenses are covered without a separate monetary sublimit, subject to the applicable room and policy conditions.

Disease-wise sublimits

Elder Care

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

VS

Supreme Value for Money

Eligible treatments are generally covered up to the sum insured, subject to policy terms, exclusions and any applicable room-related claim deductions.

Co-payment

Elder Care

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

VS

Supreme Value for Money

A 20% co-payment applies to eligible treatment taken outside the designated Smart Select network under the Value for Money variant. The insured bears the applicable share of the admissible claim.

Cashless Healthcare Providers

Elder Care

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

VS

Supreme Value for Money

The insurer's network includes thousands of hospitals across India. The available network count varies by date; check the current network directory for participating hospitals.

Restoration Benefit

Elder Care

Not specifically mentioned in the available product reference.

VS

Supreme Value for Money

Unlimited automatic recharge reinstates the base sum insured multiple times during the policy year for eligible related and unrelated illnesses, subject to the applicable terms.

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

Supreme Value for Money

The sum insured increases by 50% for each completed policy year, up to 100% of the base sum insured. The accumulated bonus is not reduced by claims.

Daycare Treatment

Elder Care

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

VS

Supreme Value for Money

Eligible daycare procedures requiring less than 24 hours of hospitalisation are covered up to the sum insured, subject to policy conditions.

Consumable Cover

Elder Care

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

VS

Supreme Value for Money

Standard cover does not automatically include every non-payable hospital expense. Claim Shield may cover specified non-payable items when included under the applicable variant.

AYUSH Treatment

Elder Care

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

VS

Supreme Value for Money

Eligible inpatient and daycare AYUSH treatment is covered up to the sum insured, subject to policy conditions.

Initial Waiting Period

Elder Care

30 days, subject to applicable policy terms and exceptions.

VS

Supreme Value for Money

30 days for illnesses from policy inception. This waiting period does not apply to claims arising from accidents.

Specific Waiting Period

Elder Care

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

VS

Supreme Value for Money

24 months for listed illnesses and procedures, subject to the applicable policy conditions.

PED Waiting Period

Elder Care

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

VS

Supreme Value for Money

36 months for pre-existing diseases. An optional PED Waiting Period Modification benefit may reduce this to 1 or 2 years, where available and selected.

Modern Treatment

Elder Care

Not specified in the supplied brochure

VS

Supreme Value for Money

Eligible advanced technology treatments are covered up to the sum insured, subject to the policy's treatment definitions, conditions and exclusions.

Annual Health Checkup

Elder Care

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

VS

Supreme Value for Money

Annual health check-ups are available as an optional benefit under the broader Care Supreme product. Availability under Value for Money depends on the applicable variant.

Pre-Hospitalisation

Elder Care

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

VS

Supreme Value for Money

Eligible medical expenses incurred up to 60 days before hospitalisation are covered, subject to policy conditions and the sum insured.

Post-Hospitalisation

Elder Care

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

VS

Supreme Value for Money

Eligible medical expenses are covered for up to 180 days after discharge, subject to policy conditions and the sum insured.

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

Supreme Value for Money

Routine outpatient consultations are not part of the standard Value for Money coverage. Care OPD is a separate add-on policy, where available.

Deductible Option

Elder Care

Not specifically mentioned in the available product reference.

VS

Supreme Value for Money

A deductible can be selected where offered. The insured must bear the opted aggregate deductible before the insurer pays eligible claims.

Coverage Options

Elder Care

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

VS

Supreme Value for Money

Individual coverage and family floater coverage are available under the Care Supreme product. Value for Money eligibility and sum insured options may be narrower than those of the broader product.

Claim Settlement Ratio

Elder Care

Not mentioned in the available product reference.

VS

Supreme Value for Money

Care Health Insurance's claim settlement ratio is an insurer-level metric, not a Value for Money product metric. The FY 2024–25 ratio reported by secondary sources is 96.74%; it should not be interpreted as a guarantee that an individual claim will be approved.

Maternity Cover

Elder Care

Not specifically mentioned in the available product reference.

VS

Supreme Value for Money

Pregnancy, childbirth and related maternity expenses are excluded under the standard plan. Network discounts are not equivalent to maternity insurance coverage.

Insurance Plans Comparison

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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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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