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Insurance Plans Comparison

TATA AIG Elder Care vs Star Comprehensive

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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
Star

Comprehensive

Family health insurance with maternity, OPD, dental and eye cover, 100% restoration and up to 100% cumulative bonus.

What Makes It Special:

An all-in-one family health plan that combines hospitalisation cover with maternity and new-born cover, OPD consultations, dental and eye care, hospital cash, bariatric surgery and accidental death/disability cover in a single policy.

Best For:

  • People under 61 who want to avoid co-payment

  • Buyers looking for a fast-growing bonus (100% after one claim-free year for SI ₹7.5L+)

  • People who want OPD, dental and eye expenses included

  • Families wanting individual or floater cover up to ₹1 crore

  • Young couples planning a family (maternity and new-born cover)

Insurance Plans Comparison

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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.

Star Comprehensive

  • Things to Consider: Premiums vary by city zone.

  • Things to Consider: Modern treatments and bariatric surgery have sublimits.

  • Things to Consider: Maternity needs both spouses covered for 24 months, and delivery limits are modest at lower SI.

  • Things to Consider: 10% co-payment for people who join at age 61 or above.

  • Things to Consider: 36-month PED waiting period, unless you buy the optional PED buy-back (reduces it to 12 months).

  • Reasons to Consider: 60 days of pre- and 90 days of post-hospitalisation cover, plus air ambulance and home care.

  • Reasons to Consider: Cumulative bonus up to 100% of SI, plus 100% restoration once a year (usable for the same illness).

  • Reasons to Consider: OPD consultations and dental/eye treatment covered outside the Sum Insured.

  • Reasons to Consider: Delivery (up to 2) and new-born cover after 24 months.

  • Reasons to Consider: Private single AC room with no fixed room rent cap.

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
Comprehensive
Comprehensive

Health Insurance Plan

Brochure

Room Rent

Elder Care

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

VS

Comprehensive

Information Unavailable

ICU Charges

Elder Care

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


VS

Comprehensive

Covered up to Sum Insured; no separate ICU cap.

Advanced Treatments

Elder Care

Information Unavailable

VS

Comprehensive

Coverage includes robotic surgeries, stem cell therapy, organ transplants, modern cancer treatments, bariatric surgery, and advanced cardiac procedures as per policy 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

Comprehensive

Information Unavailable

Co-payment

Elder Care

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

VS

Comprehensive

This policy is subject to co-payment of 10% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above

Waiting Period

Elder Care

Information Unavailable

VS

Comprehensive

  1. Initial Waiting Period: A 30-day waiting period applies from the policy's inception, during which claims are not admissible, except for those arising from accidents. 
     
  2. Pre-existing Disease Waiting Period: For the Silver plan, pre-existing diseases are covered after 48 months of continuous coverage. For Gold and Platinum plans, this period is reduced to 24 months.
     
  3. Specific Disease/Procedure Waiting Period: For individuals above 45 years of age, certain listed illnesses and procedures are covered after a 24-month waiting period from the policy's inception.
Cashless Healthcare Providers

Elder Care

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

VS

Comprehensive

Access to over 14,000+  cashless healthcare providers for seamless treatment.

Restoration Benefit

Elder Care

Not specifically mentioned in the available product reference.

VS

Comprehensive

Information Unavailable

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

Comprehensive

SI ₹5L: 50% of Basic SI per claim-free year, max 100%. SI ₹7.5L and above: 100% of Basic SI after one claim-free year, max 100%.

Daycare Treatment

Elder Care

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

VS

Comprehensive

covered by the policy.

Consumable Cover

Elder Care

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

VS

Comprehensive

Not mentioned (no separate consumables cover in the policy documents).

AYUSH Treatment

Elder Care

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

VS

Comprehensive

AYUSH treatments are covered up to the sum insured.

Initial Waiting Period

Elder Care

30 days, subject to applicable policy terms and exceptions.

VS

Comprehensive

30 days (accidents excepted)

Specific Waiting Period

Elder Care

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

VS

Comprehensive

24 months for listed diseases/procedures; 36 months for Bariatric Surgery; 24 months for Delivery and New Born cover

PED Waiting Period

Elder Care

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

VS

Comprehensive

Information Unavailable

Modern Treatment

Elder Care

Not specified in the supplied brochure

VS

Comprehensive

  1. Covered up to treatment-wise sublimits that vary by Sum Insured, e.g. robotic surgery ₹2.5L (SI ₹5L) to ₹7.5L (SI ₹1 Cr); immunotherapy ₹2.5L to ₹10L; bronchial thermoplasty, prostate vaporisation and IONM up to Sum Insured. Part of Sum Insured.
Annual Health Checkup

Elder Care

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

VS

Comprehensive

Information Unavailable

Pre-Hospitalisation

Elder Care

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

VS

Comprehensive

Information Unavailable

Post-Hospitalisation

Elder Care

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

VS

Comprehensive

Information Unavailable

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

Comprehensive

Information Unavailable

Deductible Option

Elder Care

Not specifically mentioned in the available product reference.

VS

Comprehensive

Information Unavailable

Coverage Options

Elder Care

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

VS

Comprehensive

Information Unavailable

Claim Settlement Ratio

Elder Care

Not mentioned in the available product reference.

VS

Comprehensive

Information Unavailable

Maternity Cover

Elder Care

Not specifically mentioned in the available product reference.

VS

Comprehensive

Information Unavailable

Insurance Plans Comparison

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Why Choose Our Expert Consultation?

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What Our Experts Help You With

Personalised Recommendations

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

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

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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

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

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