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Reviewed by Finzony Finance TeamLast updated:
Tata AIG ElderCare is designed for senior citizens and focuses on hospitalisation and healthcare needs that become more relevant with age.
A senior-focused health plan with lifelong renewal and specialised elderly-care benefits.
A senior-focused health insurance option covering hospitalisation along with additional healthcare services such as home care and preventive health support.

Tata AIG Health Insurance
Key Insights
Founded
2001
Tata AIG Health Insurance was established 25 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
94.3% CSR, calculated as a 3-year average
Tata AIG Health Insurance settles 94.3% of all claims it receives.
Network Hospitals
10,000+
Tata AIG Health Insurance has a network of 10,000+ hospitals, ensuring wide accessibility and convenience for policyholders.
Eligible inpatient hospitalisation expenses are covered subject to policy terms.
Eligible expenses incurred before hospitalisation are covered according to the policy.
Eligible expenses incurred after hospitalisation are covered according to policy terms.
Eligible day care procedures are covered subject to applicable conditions.
Eligible AYUSH treatment expenses are covered according to policy terms.
Waiting periods apply to initial illness, pre-existing diseases, specified conditions and applicable joint or replacement procedures.
Initial waiting period
Applies to illness-related claims except eligible accidental hospitalisation.
Initial Waiting Period
A 30-day initial waiting period applies, subject to policy terms and conditions.
Pre-existing diseases
Pre-existing diseases are subject to the applicable continuous coverage waiting period.
Pre-Existing Disease Waiting Period
Pre-existing diseases are subject to the applicable waiting period specified in the policy.
Conditions or treatments that the policy clearly says it will not cover.
The plan is designed to provide healthcare protection for senior citizens through hospitalisation and related benefits.
Insurer
Tata AIG Health Insurance plans and claim process
ElderCare is designed specifically for senior citizens and their healthcare needs.
Yes, eligible inpatient hospitalisation expenses are covered subject to policy terms.
Eligible home care and related support are available according to the policy terms.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Tata AIG Health Insurance website before purchasing.
Contact Details
1800 266 7780
Headquarters: Peninsula Business Park, Tower A, 15th Floor, G.K. Marg, Lower Parel, Mumbai – 400013, Maharashtra, India
The aforementioned ratios have been averaged over three years (FY24-FY26)
Joint replacement procedures
Applicable joint, hip and knee replacement procedures may carry a longer waiting period.
Specified Disease / Procedure Waiting Period
Specified diseases and procedures are subject to the applicable waiting period under the policy terms.
Preventive health check-up benefits are available subject to applicable policy conditions.
No. Pre-existing diseases are subject to the applicable waiting period.