Our Health Insurance Plans for Senior Citizens offer you all the benefits of a Tata AIG health insurance plan. Here are the key highlights of the Tata AIG Health Insurance Plans for Senior Citizens.

• The assurance of a TATA promise
• Excellent health insurance coverage, starting at ₹15 per day*
• Access to Cashless Insurance at 7,200+ Network Hospitals
• 94.43 per cent Health Insurance Claim Settlement Ratio for FY 2020-2021
• 4.5/5 Customer Ratings
• Coverage for Pre-hospitalisation, Hospitalisation, and Post-Hospitalisation Expenses
• Coverage for Preventive Health Check-ups
• Coverage for Covid-19
• Tax* Benefits under Section 80D of the Income Tax Act, 1961
• Swift and hassle-free policy purchase and renewal process

Every stage of life is filled with a unique set of challenges, and old age is no different. Ageing brings with it a wide gamut of illnesses, physical and mental alike, which can take a heavy toll on your finances. The importance of having an optimal medical insurance policy cannot be overstated, particularly when you are past the age of 60 years.

If you are looking for a health insurance policy for senior citizens, the Tata AIG Senior Citizen Health Insurance Policy is where your search stops. With excellent coverage for the expenses arising in the wake of pre-hospitalisation, hospitalisation, post-hospitalisation, preventive health check-ups, the treatment of pre-existing diseases, etc., this plan is a comprehensive health insurance solution for the elderly.

The minimum age of entry for the Tata AIG Senior Citizen Health Insurance Policy is 60 years. Since this plan has been specifically designed for senior citizens, no one below the age of 60 years can be a beneficiary of this plan. However, individuals who are younger than 60 years can purchase our Health Insurance Policy for Senior Citizens for their parents or parents-in-law.

The Tata AIG Senior Citizen Insurance Policy has no dearth of beneficial elements, such as:

1. Access to a wide network of cashless hospitals across the nation
2. The security of the trusted TATA promise
3. Extensive health insurance coverage at feasible rates
4. A Claim Settlement Ratio of 94.21 per cent
5. Cover for Hospitalisation Expenses
6. Cover for Ambulance Expenses
7. Cover for Covid-19 related expenses

You can purchase the Tata AIG Senior Citizen Health Insurance Policy at our website and use our Health Insurance Premium Calculator to compute the premium of the plan in accordance with your age, medical condition, lifestyle habits, health insurance coverage requirements, and the tenure selected for the policy.

Health is wealth and something that must not be taken lightly or compromised with. The question 'why do senior citizens need specific health insurance plans?' has many answers, ranging from the simple to the complex. First and foremost, there can be no doubt about the fact that age is directly proportional to the occurrence of various diseases and inversely proportional to the immunity of one's body.

The aforementioned universal facts should suffice to prompt senior citizens to purchase an optimal health insurance policy for themselves or their family members to make this decision. Here are some reasons why health insurance for senior citizens is an absolute must-have:

1. Increased risk of various diseases and infections: It is no secret that with the passage of age, the human body becomes more vulnerable to several diseases, ranging from the common cold and joint pain to critical illnesses such as cancer, cardiovascular ailments, and cancer. Therefore, it is important to buy medical insurance for senior citizens and have some level of financial protection against any adverse health-related events.

2. Rapidly rising medical inflation: Medical inflation across the globe has been rising on average, and India is no exception to this disturbing trend. Whether it is a doctor's consultation or the cost of hospitalisation, any kind of medical treatment can have a substantial impact on your finances. With the assistance of a senior citizen mediclaim policy, though, a majority of medical expenses can be covered.

3. The necessity for periodical health check-ups: Even if old age treats you well and you do not need constant medical attention, it is still advisable to undergo periodical health check-ups to ensure that all your organs are in working order and that there is no cause for concern. A regular health check-up can be expensive, which is another reason for you to choose a mediclaim policy for senior citizens.

4. A shield for your savings: Imagine having your meticulously accumulated retirement fund be diluted by the expenses for the treatment of a critical illness or a medical condition that requires constant attention and care, for instance, diabetes and arthritis. It's not a scenario anyone should be faced with. You can easily protect the savings meant for your post-retirement years by purchasing a suitable senior citizen health insurance policy.

The Tata AIG Health Insurance For Senior Citizens Plan has several features that make it one of the best health insurance plans for senior citizens. Here are the main features of our medical insurance for senior citizens.

1. Cashless Insurance: By selecting the Tata AIG senior citizen mediclaim policy, you can get access to cashless insurance at more than 7,200 hospitals across the country. With our widespread network of partner hospitals, you can get the required medical treatment and file an online health insurance claim to pass the worry of the payment of your hospitalisation bills to us.

2. A TATA Promise: One of the main reasons why you can trust our mediclaim for senior citizens is that it comes backed with the ever-reliable TATA promise. You can be assured of our consistent assistance during the policy purchase/renewal and claims processes.

3. Cover for Hospitalisation: The Tata AIG Senior Citizen Health Insurance Plan comprises a cover for hospitalisation, thereby enabling you to get the necessary medical care without having to worry about the expenses of hospital beds, Intensive Care Units, medicines, etc.

4. Extensive Coverage: In addition to a cover for hospitalisation expenses, our senior citizen health insurance plan also has several other important covers, including an ambulance cover, cover for pre-hospitalisation and post-hospitalisation expenses, cover for daycare procedures, AYUSH cover, and a cover for pre-existing diseases.

5. Covid-19 Cover: Keeping in mind the threat of the ongoing global pandemic, we have included a cover for Covid-19 in our health insurance for senior citizens.

6. Convenient Policy Purchase Process: At Tata AIG, we aim to make your health insurance experience as hassle-free as possible. This is why we have a swift policy purchase and renewal process as well as a customer-friendly claims process.

7. Paperless Policies: We only have one planet to call home, and the planet's health is as important as our own. Therefore, our policies are paperless and delivered to you in a digital format. This is one of the ways we can reduce our carbon footprint.

If you opt for Tata AIG's Health Insurance for Senior Citizens Plan, you will get several health insurance benefits. Some of the benefits of our senior citizen insurance plan are as follows:

1. Substantial Health Insurance Coverage: With the Tata AIG senior citizen mediclaim policy, you get substantial health insurance coverage, including covers for pre-existing diseases, hospitalisation expenses, pre and post-hospitalisation expenses, health check-ups, ambulance expenses, and Covid-19. Our health policy for senior citizens has been designed with meticulous care and consideration for the unique health insurance requirements of the elderly, thereby making it an excellent selection.

2. Wide Network of Partner Hospitals: One of the most useful benefits of selecting a Tata AIG Health Insurance For Senior Citizens Plan is that you get access to more than 7,200+ network hospitals across India where you can avail of cashless insurance. This means that you do not need to pay your daycare or hospitalisation bills. All you have to do is file a health insurance claim, and we will settle the bills for you.

3. Cumulative Bonus: For every policy year during which you do not file a health insurance claim on your senior citizen mediclaim policy, we shall increase the sum insured in the policy by 10 to 100 per cent. You do not have to pay any additional premium for this enhancement of the sum insured under our Cumulative Bonus benefit.

4. 24*7 Support: At Tata AIG, we are committed to providing you with the necessary support throughout your association with us. You can reach out to our support team via phone (1800-266-7780), WhatsApp (+91-9136160375), or email (customersupport@tataaig.com).

5. High Claim Settlement Ratio: Our health insurance claim settlement ratio of 94.21 per cent for the financial year 2020-2021 is a testament to our commitment to customer satisfaction and ensuring a seamless claims process.

6. No Co-Pay: You can choose to remove the room rent limit in your Tata AIG health insurance plan for senior citizens. Our health policies allow you to select the hospital room of your choosing as long as its cost does not exceed the sum insured under the policy.

7. Tax Benefits: All senior citizens paying health insurance premiums are eligible for health insurance tax benefit deductions to the tune of ₹50,000 per annum under Section 80D of the Income Tax Act, 1961. What is more, is that if your children or spouse who are below the age of 60 years are paying this premium on your behalf, they can avail of this deduction on their income tax liability.

Our Senior Citizen Health Insurance Policy comprises the following covers:

1. Cover for Hospitalisation Expenses: The Tata AIG Health Insurance Plan for Senior Citizens offers you coverage for the hospitalisation expenses arising out of accidents, pre-existing diseases, etc. With this cover, you can avail of cashless insurance or seek reimbursements for the cost of your hospitalisation bills, doctor's consultation fees, ICU charges, medicine bills, room rent, etc.

2. Cover for Daycare Procedures: With our mediclaim for senior citizens, you can get financial protection against more than 540+ daycare procedures. These are procedures that require you to stay in a hospital for a period not exceeding 24 hours.

3. Cover for Pre-hospitalisation and Post-hospitalisation Expenses: The coverage of our senior citizen health insurance plan is not limited to just hospitalisation expenses. We are mindful of the expenses that can accompany pre-hospitalisation and post-hospitalisation treatments.

Therefore, Tata AIG's Health Insurance For Senior Citizens comprises a cover for pre-hospitalisation expenses incurred 30 to 60 days before you are hospitalised. In addition to this, you also get coverage for post-hospitalisation expenses generated 60 to 90 days after your discharge from the hospital. These limits may vary from one plan to another, which is why you must check your policy documents carefully.

4. Cover for Pre-existing Diseases: Our health insurance plans include a cover for pre-existing illnesses, which is an excellent benefit, particularly if you have any such illnesses. However, this cover gets activated after a specific waiting period. It is advisable to check the waiting period for pre-existing illnesses before buying your senior citizen health insurance plan.

5. Cover for AYUSH Treatment: We recognise the importance of various doctrines of medical treatment, which is why our senior citizen health insurance plan has a cover for AYUSH treatments, that is, treatments under Ayurveda, Yoga and Naturopathy, Unani, Sidha, or Homeopathy.

6. Cover for Covid-19: The dangerous and highly infectious virus that has wreaked havoc on lives across the globe over the past two years has changed the dimensions of health insurance. This is why we have incorporated a cover for Covid-19, namely the Tata AIG Corona Kavach Policy, into our health insurance plans.

It is important to make a note of what is not covered under your Tata AIG Senior Citizen Health Insurance Plan. Here are the exclusions from our mediclaim for senior citizens.

Here are the medical exclusions from our senior citizen insurance plan:

1. Plastic surgery or Cosmetic Surgery unless required as a part of the treatment for accident-induced injuries, cancer, or burns as advised by the attending Medical Practitioner.
2. The cost of rehabilitation procedures, rest cure, sanitorium treatment, respite care, or long-term nursing care
3. Preventive care, including vaccination and immunisation except when the vaccine is for post-bite treatments or specifically covered under the policy
4. Hospitalisation for enteral feedings and other nutritional and electrolyte supplements except when it is certified by the attending Medical Practitioner as being required for a treatment covered under the plan
5. The expenses for treatments that are experimental in nature and/or have not been approved yet, including Rotational Field Quantum Magnetic Resonance, External Counter Pulsation, and Hyperbaric Oxygen Therapy.

Here are the non-medical exclusions from our senior citizen mediclaim policy:

1. The cost of diagnostics incurred at a hospital when such tests are not related to or required for a particular medical condition that necessitates hospitalisation

2. Items needed for personal comfort during hospitalisation, including access to a telephone, television, Internet, food, hygiene products, bath additives, cosmetics, etc., when they are specifically charged.

3. The charges for the treatment received from a Medical Practitioner that is outside the ambit of their medical discipline

4. The payment of the medical fees charged by a Medical Practitioner who:

• Is a resident of the same house as you, or
• Is related to you

It is advisable to study the policy wordings to check the full list of exclusions from your senior citizen mediclaim policy.

The claims process is an important aspect of any health insurance policy, and at Tata AIG, we have a streamlined and customer-friendly claims process. You can either get treated at one of our network hospitals and file a cashless claim or get medical treatment in a non-network hospital and submit a reimbursement claim. Either way, the process is swift, simple, and safe.

If you receive medical treatment at one of our network hospitals across the country, you can file a cashless claim under your Senior Citizen Health Insurance Policy. Here's the process to file a cashless claim under your senior citizen mediclaim policy.

Step 1: Send us your cashless insurance claim via email within 24 hours of being hospitalised. If you have a hospitalisation scheduled in advance, it is advisable to inform us before you get admitted to a hospital.

Step 2: After receiving your health insurance claim form, you will be issued a Claim Intimation/Reference Number, which you should retain for further correspondence regarding the claim.

Step 3: You must submit the following documents with your cashless claim.

• A copy of your health insurance plan
• Your insurance card
• Your photo identity proof and address proof
• A duly filled CKYC form in case the value of the claim is higher than ₹1 lakh

Step 4: Once we have received the above documents, we will issue an authorisation letter to the relevant network hospital and pay your hospital bill.

Step 5: All you have to worry about is your health and recovery!

If you choose to get medical treatment at a hospital that is not a part of our network of partner hospitals, you need to pay the hospitalisation bills yourself, then subsequently file a reimbursement claim with us. Here's the process to file a reimbursement claim under your mediclaim policy for senior citizens.

Step 1: Email your reimbursement claim form to us along with the following documents:

• A copy of your senior citizen health insurance plan
• A copy of your hospital discharge certificate
• The relevant pathological test reports
• A Medical Certificate signed by a registered Medical Practitioner
• The original hospital and pharmacy bills
• Duly filled CKYC form if the claim amount is in excess of ₹1 lakh
• Your NEFT details (for the reimbursement of the claim amount)

Step 2: Once we have received your health insurance reimbursement claim form with the necessary documents, we will verify the authenticity and applicability of all these documents.

Step 3: After the verification of the claim form and the supporting documents, we shall process your claim and transfer the amount to your bank account.

You can submit your Senior Citizen Health Insurance Claim at the claims page of our official website. It is advisable to check the timelines of the claims process by perusing the policy wordings.

Every important decision in life must be taken after careful thought and consideration, and buying health insurance is no different. Before purchasing health insurance for senior citizens, you must consider the following significant factors:

1. Sum Insured: Since ageing enhances the risk of the occurrence of diseases and infections, your senior citizen health insurance plan must have an adequate sum insured. From preventive health check-ups to hospitalisation, from domiciliary treatment to the cost of medicines, your health insurance plan ought to be able to cover all your health-related expenses. Hence you must opt for a sufficient sum insured in your health insurance policy for senior citizens.

2. Maximum Age of Entry: Since health insurance for senior citizens often comes with a ceiling on the maximum age of entry, you must check whether you are eligible for subscribing to a specific plan before selecting it. It is, therefore, prudent to look for only those plans which allow entry at the age you are. This approach can help you save on time and effort.

3. Renewability: Not all health insurance plans can be renewed for a lifetime, which is why you must ascertain whether the plan you are selecting has the option of lifetime renewability. Plans with this feature are more convenient than ones that do not offer lifetime renewals since it is easier and cost-effective for you to renew the same plan and buy a new one.

4. Enhancement of Sum Insured: It is important to determine whether the senior citizen health insurance plan you are considering has the option of enhancement of sum insured at a later stage. This option can be available either in the form of the flexibility to choose a higher sum insured during policy renewal, an increase in the sum insured through a cumulative bonus, or both.

5. Waiting Period: Several covers in your senior citizen health insurance plan have specific waiting periods attached with them. You must read the policy wordings carefully to ascertain the activation timelines of various covers, such as the cover for pre-existing diseases, critical illnesses, etc.

6. Policy Inclusions and Exclusions: The extent of the coverage of any health insurance policy is determined by its inclusions as well as exclusions. It is, thus, advisable to check both of these components in the policy wordings before selecting a health insurance policy for senior citizens.