Insurance Plans Comparison
TATA AIG Elder Care vs TATA AIG Medicare Select
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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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
Medicare Select
Comprehensive Health Insurance with Flexible Coverage Options, Unlimited Restoration and Customisable Benefits
What Makes It Special:
TATA AIG MediCare Select is a customisable health insurance plan offering individual and family floater coverage. It combines core hospitalisation benefits with optional features that allow policyholders to adjust their cover to their needs and budget.
Best For:
Flexible sum insured options
Critical illness and daycare treatments
Pre- and post-hospitalization expenses covered
Comprehensive individual and family coverage
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.
Covers daycare treatments without overnight stay.
Pre- and post-hospitalization expenses included.
Safeguards against critical illness and emergencies.
Comprehensive coverage for hospitalization and treatment.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Elder Care Health Insurance Plan VS VS |
Medicare Select 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 |
Medicare Select Single private AC room is included as part of base cover. However, you can opt for add-on to downgrade the room category |
| ICU Charges |
|---|
Elder Care Not separately specified in the supplied brochure. In-Patient Treatment is covered up to the Sum Insured. |
VS VS |
Medicare Select 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 VS |
Medicare Select No |
| Co-payment |
|---|
Elder Care Mandatory 20% co-payment applies to admissible claims. An optional Co-Payment Waiver Add-On is available. |
VS VS |
Medicare Select Not available |
| Cashless Healthcare Providers |
|---|
Elder Care Cashless treatment is available through the insurer's network hospitals, subject to pre-authorisation and policy terms. |
VS VS |
Medicare Select 12,000+ Healthcare Providers |
| Restoration Benefit |
|---|
Elder Care Not specifically mentioned in the available product reference. |
VS VS |
Medicare Select es, your sum insured restores to 100% unlimited times after your first claim, for both related and unrelated illnesses |
| 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 |
Medicare Select Your sum insured increases by 50% for every claim-free year, upto 100%. If a claim is made during the policy year, the cumulative bonus is reduced by 50% in the next policy year |
| Daycare Treatment |
|---|
Elder Care Covered up to the Sum Insured, subject to policy terms. |
VS VS |
Medicare Select 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 VS |
Medicare Select No. However, available as an add-on |
| AYUSH Treatment |
|---|
Elder Care Covered up to the Sum Insured, subject to policy terms. |
VS VS |
Medicare Select 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 VS |
Medicare Select 30 days |
| Specific Waiting Period |
|---|
Elder Care 24 months for specified diseases and procedures. Joint replacement surgeries have a 48-month waiting period. |
VS VS |
Medicare Select 2 years |
| PED Waiting Period |
|---|
Elder Care 24 months for pre-existing diseases disclosed and accepted by the insurer. |
VS VS |
Medicare Select 3 years |
| Modern Treatment |
|---|
Elder Care Not specified in the supplied brochure |
VS VS |
Medicare Select 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 VS |
Medicare Select Health checkup is not included as part of base cover. However, available as an add-on |
| Pre-Hospitalisation |
|---|
Elder Care Covered for up to 30 days before hospitalisation, subject to policy terms. |
VS VS |
Medicare Select You get cover for medical tests and doctor visits up to 90 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 VS |
Medicare Select 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 VS |
Medicare Select OPD expense is not included as part of base cover. However, available as an add-on |
| Deductible Option |
|---|
Elder Care Not specifically mentioned in the available product reference. |
VS VS |
Medicare Select Available as an option |
| Coverage Options |
|---|
Elder Care Sum Insured options include ₹5 lakh, ₹10 lakh and ₹25 lakh, subject to availability under the applicable policy. |
VS VS |
Medicare Select Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr |
| Claim Settlement Ratio |
|---|
Elder Care Not mentioned in the available product reference. |
VS VS |
Medicare Select 95.43% |
| Maternity Cover |
|---|
Elder Care Not specifically mentioned in the available product reference. |
VS VS |
Medicare Select Available |
Insurance Plans Comparison
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Insurance Plans Comparison
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Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
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