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.

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Health Insurance

TATA AIG

Elder Care

Experience India's most trusted health insurance with TATA AIG Health Insurance. Get instant cashless treatment at 12000 network hospitals with sum insured up to ₹50 lakhs.

95.43

Claim Settlement Ratio

12000

Network Hospitals

0

Customer Rating

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95.43

Claim Settlement Ratio

12000

Network Hospitals

0

Customer Rating

Our Verdict

Expert Review: TATA AIG Health Insurance

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 Health Insurance

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...

Inclusions and Exclusions

Inclusions and Exclusions of TATA AIG Insurance Company Limited

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

Waiting Period

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

Cashless Healthcare Providers

Cashless treatment available through network hospitals

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

Pageof 3

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 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...

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...