What is the waiting period for pre-existing diseases under Elder Care?

Pre-existing diseases that are disclosed and accepted by the insurer are covered after a waiting period of 24 months. Certain listed treatments and surgeries also have a 24-month waiting period, while joint replacement surgeries have a 48-month waiting period.

What post-hospitalization support services are available under this plan?

The policy includes home nursing services, home physiotherapy sessions, compassionate caregiver support, and access to a personalized health manager. These benefits are designed to assist recovery after hospitalization.

Does the policy cover treatment at home?

Yes. Home Care Treatment Cover is available for specified illnesses and procedures covered under the policy. Coverage is available up to 10% of the Sum Insured subject to policy conditions.

Can the mandatory co-payment be removed?

Yes. The insurer offers a Co-Payment Waiver Add-On. If purchased, the mandatory 20% co-payment will not apply on admissible claims under the base policy.

OneAssure

Health Insurance

TATA AIG

Elder Care

Experience India's most trusted health insurance with TATA AIG Health Insurance. Get instant cashless treatment at 7500 network hospitals with sum insured up to ₹50 lakhs.

95.43%

Claim Settlement Ratio

7500+

Network Hospitals

0

Customer Rating

Policy Brochure

Get a Quote

95.43%

Claim Settlement Ratio

7500+

Network Hospitals

0

Customer Rating

Policy Brochure

Our Verdict

Expert Review: TATA AIG Elder Care

Final Verdict

Tata AIG Elder Care is a senior-focused health insurance plan that combines hospitalization coverage with home-care, rehabilitation, wellness, and post-operative support services tailored for elderly healthcare needs.

About

About TATA AIG Elder Care

Tata AIG Elder Care is a health insurance plan designed specifically for senior citizens aged 61 years and above. The policy combines hospitalization coverage with elderly-focused benefits such as home nursing services, home physiotherapy, compassionate care, wellness services, and home care treatment coverage. It also includes annual preventive consultations, high-end diagnostics, consumables coverage, and support for home modifications following eligible hospitalization. The plan aims to address both medical and post-hospitalization care needs commonly faced by older adults.

Tata AIG Elder Care is a health insurance plan designed specifically for senior citizens aged 61 years and above. The policy combines hospitalization coverage with elderly-focused benefits such as home nursing services, home physiotherapy, compassionate care, wellness services, and home care treatment coverage. It also includes annual preventive consultations, high-end diagnostics, consumables coverage, and support for home modifications following eligible hospitalization. The plan aims to address both medical and post-hospitalization care needs commonly faced by...

Elder Care Ratings

Ratings: TATA AIG Elder Care

Insurer Rating

9.07

out of 10

Insurance Rating

2.25

out of 10

No Room Rent Limit

Add on

Consumables Covered

No

No Co-payment

No

Loyalty Bonus >= 500%

No

No Disease Sublimits

Add on

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

Yes

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of TATA AIG Elder Care

Room Rent

Normal: Single Private Room
ICU: Up to Sum Insured

Advanced Treatments

High End Diagnostics
Home Care Treatment Cover
Home Physiotherapy
Home Nursing Services
Home Assessment & Modification for Elderly Care/Disability
Consumables Benefit

Co-payment

Mandatory 20% co-payment on every admissible claim

Cashless Healthcare Providers

Cashless treatment available through network hospitals

Waiting Period

Initial Waiting Period: 30 days
Pre-existing Disease Waiting Period: 24 months

Daycare Treatment

Covered up to Sum Insured

AYUSH Treatment

Covered up to Sum Insured

Room Rent

Normal: Single Private Room
ICU: Up to Sum Insured

Advanced Treatments

High End Diagnostics
Home Care Treatment Cover
Home Physiotherapy
Home Nursing Services
Home Assessment & Modification for Elderly Care/Disability
Consumables Benefit

Co-payment

Mandatory 20% co-payment on every admissible claim

Exclusions

Not available

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About the company

TATA AIG Hеalth Insurancе is onе of India’s lеading hеalth insurancе providеrs. It is a joint vеnturе bеtwееn thе Tata Group and Amеrican Intеrnational Group (AIG). Thе company focusеs on giving pеoplе financial sеcurity and quality hеalthcarе whеn thеy nееd it most. TATA AIG Hеalth Insurancе offеrs a widе rangе of hеalth plans for individuals, familiеs, and sеnior citizеns. Each plan is dеsignеd to covеr hospital еxpеnsеs, prе- and post-hospitalisation costs, and еmеrgеncy carе. Thе company also providеs top-up plans and spеcial plans for critical illnеssеs. With morе than 10,000 nеtwork hospitals across India, TATA AIG makеs cashlеss trеatmеnts еasy...

TATA AIG Hеalth Insurancе is onе of India’s lеading hеalth insurancе providеrs. It is a joint vеnturе bеtwееn thе Tata Group and Amеrican Intеrnational Group (AIG). Thе company focusеs on giving pеoplе financial sеcurity and quality hеalthcarе whеn thеy nееd it most. TATA AIG Hеalth Insurancе offеrs a widе rangе of hеalth plans for individuals, familiеs, and sеnior citizеns. Each plan is dеsignеd to covеr hospital еxpеnsеs, prе- and post-hospitalisation costs, and еmеrgеncy carе. Thе...