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Insurance Plans Comparison

TATA AIG Elder Care vs Star Women Care

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

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
Star

What Makes It Special:

Star Women Care is a specialized health plan designed for women and their families. It offers coverage from ₹5 lakh to ₹1 crore with benefits like maternity, newborn care, preventive check-ups, OPD consultations, and wellness rewards. The plan also includes coverage for surrogacy, oocyte donation, modern treatments, AYUSH, and organ...

Best For:

  • Wellness-linked, preventive care insurance

  • Automatic sum insured restoration

  • Premium maternity and newborn care

  • Comprehensive women’s family health protection

  • (4-5 word description of the type of plan)

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 Women Care

  • You prefer no medical check-up before purchase

  • You enjoy earning wellness points and premium discounts

  • You need surrogacy and oocyte donor coverage

  • You want automatic sum insured restoration after a claim

  • You value OPD consultations and yearly health check-ups

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
Women Care
Women Care

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

Women Care

Up to 1% of SI (₹5L); Single AC up to ₹25L; any room above ₹50L

ICU Charges

Elder Care

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


VS

Women Care

No restriction on ICU room rent

Disease-wise sublimits

Elder Care

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

VS

Women Care

No

Co-payment

Elder Care

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

VS

Women Care

Yes (subject to co-payment of 10% for insured person whose age at the time of entry is 61 years and above)

Cashless Healthcare Providers

Elder Care

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

VS

Women Care

13000+ Healthcare Providers

Restoration Benefit

Elder Care

Not specifically mentioned in the available product reference.

VS

Women Care

100% once after full/partial utilization in a year

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

Women Care

20% each year, up to 100%

Daycare Treatment

Elder Care

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

VS

Women Care

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Consumable Cover

Elder Care

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

VS

Women Care

Yes

AYUSH Treatment

Elder Care

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

VS

Women Care

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Initial Waiting Period

Elder Care

30 days, subject to applicable policy terms and exceptions.

VS

Women Care

30 days.

Specific Waiting Period

Elder Care

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

VS

Women Care

2 years

PED Waiting Period

Elder Care

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

VS

Women Care

3 years

Modern Treatment

Elder Care

Not specified in the supplied brochure

VS

Women Care

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Elder Care

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

VS

Women Care

Health check-up is available once every policy year, from day 1 of the policy

Pre-Hospitalisation

Elder Care

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

VS

Women Care

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Elder Care

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

VS

Women Care

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

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

Women Care

OPD is available

Deductible Option

Elder Care

Not specifically mentioned in the available product reference.

VS

Women Care

Not Available


Coverage Options

Elder Care

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

VS

Women Care

Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L,₹1 Cr


Claim Settlement Ratio

Elder Care

Not mentioned in the available product reference.

VS

Women Care

82.31%

Maternity Cover

Elder Care

Not specifically mentioned in the available product reference.

VS

Women Care

Available

Insurance Plans Comparison

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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

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

  • 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)

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