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Insurance Plans Comparison

Care Supreme vs TATA AIG Elder Care

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Care

Supreme

Comprehensive Health Plan with Unlimited Restoration and Zero Room Rent Limits.

What Makes It Special:

Care Supreme by Care Health Insurance is a comprehensive health plan designed for individuals and families, offering sum insured options from ₹3 lakh to ₹1 crore. It covers in-patient hospitalization, AYUSH treatments, day-care procedures, domiciliary care, and organ donor expenses with no sub-limits. Key highlights include the “Cumulative Bonus Super,”...

Best For:

  • Family-Focused Comprehensive Plan

  • High-Bonus Health Coverage

  • Wellness and Fitness Rewards

  • Customizable All-Round Protection

VS
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.

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

Care Supreme

  • You want a high bonus for claim-free years

  • Has OPD benefits which can be opted at a minimal premium

  • You prefer no sub-limits on key expenses

  • Wellness rewards and fitness discounts motivate you

  • You need add-ons like mental health coverage

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.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme
Supreme

Health Insurance Plan

Brochure

Policy Wording

VS
Elder Care
Elder Care

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Supreme

All room categories are covered

VS

Elder Care

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

ICU Charges

Supreme

No restriction on ICU room rent

VS

Elder Care

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


Co-payment

Supreme

Not available

VS

Elder Care

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

Disease-wise sublimits

Supreme

No 

VS

Elder Care

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

Cashless Healthcare Providers

Supreme

21700+ Healthcare Providers

VS

Elder Care

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

Restoration Benefit

Supreme

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

(per claim in a policy year for related/unrelated illnesses)

VS

Elder Care

Not specifically mentioned in the available product reference.

Daycare Treatment

Supreme

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

VS

Elder Care

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

Cumulative Bonus

Supreme

Your sum insured increases by 50% every year maximum upto 100%. However, you can pay an additional premium to increase sum insured up to 500%

(Option to boost coverage by 5x annually)

VS

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.


AYUSH Treatment

Supreme

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

VS

Elder Care

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

Consumable Cover

Supreme

No. However, available as an add-on

VS

Elder Care

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

Initial Waiting Period

Supreme

30 days

VS

Elder Care

30 days, subject to applicable policy terms and exceptions.

Specific Waiting Period

Supreme

2 years

VS

Elder Care

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

PED Waiting Period

Supreme

3 years

VS

Elder Care

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

Modern Treatment

Supreme

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

VS

Elder Care

Not specified in the supplied brochure

Annual Health Checkup

Supreme

Health checkup is not included as part of base cover. However, available as an add-on

VS

Elder Care

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

Pre-Hospitalisation

Supreme

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

VS

Elder Care

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

Post-Hospitalisation

Supreme

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

VS

Elder Care

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

Outpatient Department Cover (OPD Expense)

Supreme

OPD expense is not included as part of base cover. However, available as an add-on

VS

Elder Care

High-end diagnostic tests are covered up to ₹20,000 per policy year, subject to policy terms.

Deductible Option

Supreme

Not available

VS

Elder Care

Not specifically mentioned in the available product reference.

Coverage Options

Supreme

Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹25L, ₹50L and ₹1 Cr

VS

Elder Care

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

Claim Settlement Ratio

Supreme

96%

VS

Elder Care

Not mentioned in the available product reference.

Maternity Cover

Supreme

Not available

VS

Elder Care

Not specifically mentioned in the available product reference.

Insurance Plans Comparison

Still Confused? Get Expert Advice

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Why Choose Our Expert Consultation?

End-to-End Support

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From choosing the right policy to managing claims, every step is handled for you

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Pure advice, no unwanted calls, no unnecessary push

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

  • 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.

1-5 of 10 FAQs

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