Insurance Plans Comparison
TATA AIG Elder Care vs Niva Bupa GoActive
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreElder Care
Cover hospital care from age 61, then a home nurse for up to 7 days after surgery, up to 10 physiotherapy sessions after a stroke, paralysis or joint replacement, and a caregiver for up to 14 days.
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
GoActive
Cover doctor visits and hospital stays together, refill the base sum insured, and get 90 days of pre-hospitalisation cover plus 180 days after discharge.
What Makes It Special:
GoActive combines in-patient cover with OPD consultations, a personal health coach and an annual health check-up. It has a refill benefit, an optional sum insured escalator, and a renewal discount for buyers who start young.
Best For:
Buyers who do not need maternity cover
Buyers who want the sum insured to grow over time through I-Protect
Buyers who want a health coach and an annual check-up
Families who visit doctors often and want OPD reimbursement
Younger, active buyers who want the 10% early-age discount and a renewal discount for healthy habits
Insurance Plans Comparison
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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.
Zone 2 adds a 20% co-payment in four cities, so choose Zone 1 unless you know you will not be treated there.
The 1% room rent cap applies to the lower sum insured options, so pick ₹5 lakh or above if you want room choice.
The 36-month PED waiting period is long, so buy early if anyone has an existing condition.
Maternity is excluded, so choose another plan if you plan to start a family.
Check the OPD limit for your sum insured and number of adults, since the limit is shared across the family.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Elder Care Health Insurance Plan VS VS |
GoActive 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 VS |
GoActive Normal: For Sum Insured below ₹5 Lakhs: 1% of Base Sum Insured per day For Sum Insured ₹5 Lakhs and above: No room rent restriction (except Suite Room and above) ICU: For Sum Insured below ₹5 Lakhs: 2% of Base Sum Insured per day For Sum Insured ₹5 Lakhs and above: Covered up to Sum Insured |
| ICU Charges |
|---|
Elder Care Not separately specified in the supplied brochure. In-Patient Treatment is covered up to the Sum Insured. |
VS VS |
GoActive Up to 2% of base sum insured per day for the ₹1 lakh to ₹4 lakh options. Covered up to the sum insured for ₹5 lakh and above. Confirm the split on the policy schedule. |
| Advanced Treatments |
|---|
Elder Care Information Unavailable |
VS VS |
GoActive Covered up to Sum Insured |
| Disease-wise sublimits |
|---|
Elder Care Specific disease-wise sublimits are not fully detailed in the available product reference. Verify from the policy wording. |
VS VS |
GoActive No general disease sublimit in the prospectus. Robotic surgery has a ₹1 lakh sub-limit, and OPD, diagnostics and some optional covers have their own limits. |
| Co-payment |
|---|
Elder Care Mandatory 20% co-payment applies to admissible claims. An optional Co-Payment Waiver Add-On is available. |
VS VS |
GoActive No mandatory age-based co-payment mentioned |
| Cashless Healthcare Providers |
|---|
Elder Care Cashless treatment is available through the insurer's network hospitals, subject to pre-authorisation and policy terms. |
VS VS |
GoActive 4,200+ Network Hospitals |
| Restoration Benefit |
|---|
Elder Care Not specifically mentioned in the available product reference. |
VS VS |
GoActive Refill benefit: up to 100% of base sum insured in a policy year, for a different illness from one already claimed. It is available on a floater basis and does not carry forward. Maximum liability per claim after refill is the base sum insured plus any I-Protect amount. |
| 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 VS |
GoActive Not offered. The optional I-Protect adds 10% of base sum insured every renewal year. |
| Daycare Treatment |
|---|
Elder Care Covered up to the Sum Insured, subject to policy terms. |
VS VS |
GoActive Covered up to Sum Insured |
| Consumable Cover |
|---|
Elder Care Consumables benefit is included, subject to applicable policy terms and conditions. |
VS VS |
GoActive Medicines, drugs, consumables, IV fluids, blood, injection charges and OT charges are covered within in-patient care. Items in Annexure A (for example baby food, belts, gloves, diapers and Vasofix) are not payable. |
| AYUSH Treatment |
|---|
Elder Care Covered up to the Sum Insured, subject to policy terms. |
VS VS |
GoActive Covered up to Sum Insured |
| Initial Waiting Period |
|---|
Elder Care 30 days, subject to applicable policy terms and exceptions. |
VS VS |
GoActive 30 days from policy start. Waived after 12 months of continuous coverage. Accidents are covered from day 1. |
| Specific Waiting Period |
|---|
Elder Care 24 months for specified diseases and procedures. Joint replacement surgeries have a 48-month waiting period. |
VS VS |
GoActive 24 months for listed conditions and procedures. Cancer is covered after 30 days. |
| PED Waiting Period |
|---|
Elder Care 24 months for pre-existing diseases disclosed and accepted by the insurer. |
VS VS |
GoActive 36 months |
| Modern Treatment |
|---|
Elder Care Not specified in the supplied brochure |
VS VS |
GoActive Covered up to the sum insured, covering uterine artery embolisation, HIFU, deep brain stimulation, oral chemotherapy, immunotherapy, intravitreal injections, robotic surgery, stereotactic radiosurgery, and other listed treatments. Robotic surgeries have a ₹1 lakh sub-limit, except robotic prostatectomy for cancer, robotic cardiac surgery, robotic partial nephrectomy, and robotic surgery for malignancies. |
| Annual Health Checkup |
|---|
Elder Care Preventive health consultations are available. Exact check-up limits should be verified from the policy wording. |
VS VS |
GoActive Covered for insured persons aged 18 and over, booked through the Niva Bupa app or website. Not available on the ₹1 lakh and ₹2 lakh options. Unused check-ups do not carry forward. |
| Pre-Hospitalisation |
|---|
Elder Care Covered for up to 30 days before hospitalisation, subject to policy terms. |
VS VS |
GoActive Up to 90 days before admission, within the sum insured |
| Post-Hospitalisation |
|---|
Elder Care Post-hospitalisation support includes eligible home nursing, physiotherapy and compassionate care services, subject to policy conditions. |
VS VS |
GoActive Up to 180 days after discharge, within 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 VS |
GoActive Covered. Number of consultations per policy year depends on the sum insured and the number of adults. Reimbursement is up to ₹600 per consultation in Zone 1 and ₹500 in Zone 2. The limit is shared by all members. |
| Deductible Option |
|---|
Elder Care Not specifically mentioned in the available product reference. |
VS VS |
GoActive Optional annual aggregate deductible of ₹25,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹5 lakh or ₹10 lakh. It does not apply to health check-ups, second opinions, OPD, behavioural assistance or personal accident. |
| Coverage Options |
|---|
Elder Care Sum Insured options include ₹5 lakh, ₹10 lakh and ₹25 lakh, subject to availability under the applicable policy. |
VS VS |
GoActive Information Unavailable |
| Claim Settlement Ratio |
|---|
Elder Care Not mentioned in the available product reference. |
VS VS |
GoActive Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27). |
| Maternity Cover |
|---|
Elder Care Not specifically mentioned in the available product reference. |
VS VS |
GoActive Not offered. Maternity and related childbirth expenses are excluded. |
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