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Insurance Plans Comparison

TATA AIG Elder Care vs Star Health Cardiac Care Silver & Gold Plan

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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

Health Cardiac Care Silver & Gold Plan

Health Insurance for Individuals with a History of Cardiac Conditions

What Makes It Special:

Cardiac-Focused Health Insurance

Best For:

  • Customers seeking specified modern treatment and eligible AYUSH coverage.

  • Individuals seeking outpatient benefits at network hospitals.

  • Customers comparing Silver and Gold cardiac coverage options.

  • Customers seeking cover for eligible cardiac and non-cardiac hospitalisation.

  • Individuals with a qualifying history of cardiac conditions or procedures.

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.

  • Check the outpatient benefit limit and network hospital requirements.

  • Review the room rent limit and post-hospitalisation benefit limit.

  • Check the 10% co-payment applicable from age 61.

  • Understand the 30-day initial waiting period and other applicable waiting periods.

  • Review the 90-day cardiac waiting period.

  • Compare the cardiac coverage offered under Silver and Gold.

  • Check whether you meet the policy’s cardiac eligibility criteria.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Elder Care
Elder Care

Health Insurance Plan

VS
Health Cardiac Care Silver & Gold Plan
Health Cardiac Care Silver & Gold Plan

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

Health Cardiac Care Silver & Gold Plan

  1. Room, boarding and nursing expenses covered up to ₹5,000 per day.
ICU Charges

Elder Care

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


VS

Health Cardiac Care Silver & Gold Plan

Covered as part of eligible hospitalisation expenses, subject to 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

Health Cardiac Care Silver & Gold Plan

Sublimits apply to specified treatments, including cataract and modern treatments.

Co-payment

Elder Care

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

VS

Health Cardiac Care Silver & Gold Plan

10% for insured persons aged 61 years and above at policy purchase or renewal.

Cashless Healthcare Providers

Elder Care

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

VS

Health Cardiac Care Silver & Gold Plan

Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions.

Restoration Benefit

Elder Care

Not specifically mentioned in the available product reference.

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

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

Health Cardiac Care Silver & Gold Plan

Not specified.

Daycare Treatment

Elder Care

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

VS

Health Cardiac Care Silver & Gold Plan

Eligible daycare procedures are covered, subject to policy terms.

Consumable Cover

Elder Care

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

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

AYUSH Treatment

Elder Care

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

VS

Health Cardiac Care Silver & Gold Plan

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered up to the Sum Insured, subject to policy terms.

Initial Waiting Period

Elder Care

30 days, subject to applicable policy terms and exceptions.

VS

Health Cardiac Care Silver & Gold Plan

30 days, except for covered accident-related claims.

Specific Waiting Period

Elder Care

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

VS

Health Cardiac Care Silver & Gold Plan

24 months for specified diseases and procedures.

PED Waiting Period

Elder Care

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

VS

Health Cardiac Care Silver & Gold Plan

36 months for pre-existing diseases. Cardiac ailments covered under Section II have a separate 90-day waiting period.

Modern Treatment

Elder Care

Not specified in the supplied brochure

VS

Health Cardiac Care Silver & Gold Plan

Specified modern treatments are covered within the applicable treatment limits.

Annual Health Checkup

Elder Care

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

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

Pre-Hospitalisation

Elder Care

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

VS

Health Cardiac Care Silver & Gold Plan

Covered for up to 30 days before hospital admission.

Post-Hospitalisation

Elder Care

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

VS

Health Cardiac Care Silver & Gold Plan

Up to 60 days after discharge, limited to 7% of hospitalisation expenses and a maximum of ₹5,000 per hospitalisation.

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

Health Cardiac Care Silver & Gold Plan

Up to ₹500 per event, subject to a maximum of ₹1,500 per policy period at network hospitals in India.

Deductible Option

Elder Care

Not specifically mentioned in the available product reference.

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

Coverage Options

Elder Care

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

VS

Health Cardiac Care Silver & Gold Plan

Individual coverage with Silver and Gold plan options.

Claim Settlement Ratio

Elder Care

Not mentioned in the available product reference.

VS

Health Cardiac Care Silver & Gold Plan

Insurer-level metric, not a policy benefit.

Maternity Cover

Elder Care

Not specifically mentioned in the available product reference.

VS

Health Cardiac Care Silver & Gold Plan

Not covered, except where the policy provides an applicable accident-related exception.

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?

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

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Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

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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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