Does Tata AIG Elder Care cover home physiotherapy?

Yes. Up to 10 physiotherapy sessions can be arranged at home after eligible hospitalisation for joint replacement surgery, stroke or paralysis.

What post-operative care benefits are available under Tata AIG Elder Care?

The plan provides Home Nursing Services for up to 7 days per person in a policy year and a Personalized Health Manager for appointment booking and coordination with listed providers.

What is the PED waiting period under Tata AIG Elder Care?

Disclosed pre-existing conditions accepted by Tata AIG are covered after a waiting period of 24 months.

Is there a separate waiting period for joint replacement surgery?

Yes. A 36-month waiting period applies to joint replacement surgeries such as knee and hip replacement.

Who can buy Tata AIG Elder Care?

Tata AIG Elder Care has a minimum entry age of 61 years and no maximum entry age limit, subject to the policy terms.

What Sum Insured options are available under Tata AIG Elder Care?

The brochure lists Sum Insured options of ₹5 Lakh, ₹10 Lakh and ₹25 Lakh.

What co-payment applies to claims under Tata AIG Elder Care?

Each claim is subject to a mandatory 20% co-payment under the base policy. The optional Co-Payment Waiver Add On can remove this co-payment for admissible claims.

How much pre and post-hospitalisation coverage is available?

The plan provides up to 30 days of pre-hospitalisation expenses and up to 60 days of post-hospitalisation expenses.

Does Tata AIG Elder Care provide a Cumulative Bonus?

Yes. The policy provides a 10% Cumulative Bonus for every claim-free year, up to a maximum of 100% of the Sum Insured. A No Claim Discount can alternatively be selected.

Does Tata AIG Elder Care offer wellness services?

Yes. Wellness services include up to 12 general teleconsultations per year, diet and nutrition consultations, and discounts on selected healthcare services and products through network providers.

OneAssure

Health Insurance

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.

95.43%

Claim Settlement Ratio

7,500+

Network Hospitals

3/10

Plan Rating

Policy Brochure

Get a Quote

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

What Is 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.

Elder Care Ratings

Elder Care

Insurer Rating

9.07

out of 10

Insurance Rating

3

out of 10

No Room Rent Limit

No

Consumables Covered

Yes

No Co-payment

No

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

No

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

Yes

Maternity Available

No

Waiting Period Waiver

Add on

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

TATA AIG Elder Care Inclusions

Modern Treatment

Not specified in the supplied brochure

ICU Charges

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

Cumulative Bonus

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.

Consumable Cover

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

Initial Waiting Period

30 days, subject to applicable policy terms and exceptions.

Specific Waiting Period

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

PED Waiting Period

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

Annual Health Checkup

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

Post-Hospitalisation

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

Outpatient Department Cover (OPD Expense)

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

Deductible Option

Not specifically mentioned in the available product reference.

Coverage Options

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

Maternity Cover

Not specifically mentioned in the available product reference.

AYUSH Treatment

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

Claim Settlement Ratio

Not mentioned in the available product reference.

Disease-wise sublimits

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

Co-payment

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

Cashless Healthcare Providers

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

Pre-Hospitalisation

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

Room Rent

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

Daycare Treatment

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

Restoration Benefit

Not specifically mentioned in the available product reference.

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About the company

About TATA AIG

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 and quick. Thе insurеr is known for fast claim approvals, 24x7 customеr support, and transparеnt sеrvicе. It also offеrs tax bеnеfits undеr Sеction 80D for all hеalth insurancе plans.
TATA AIG focusеs on protеcting your hеalth and your savings. Its plans arе flеxiblе, еasy to rеnеw for lifе, and suitablе for all agе groups. Whеthеr you arе an individual, a family, or a sеnior citizеn, TATA AIG has a plan to fit your hеalthcarе nееds.

FAQs

Frequently Asked Questions

Got questions about health insurance? You're not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.