Network hospitals
10,372
Incurred claim ratio
54.05%
Sum insured
Up to 3 CR
No. of Plans
16
Solvency Ratio
1.7
Pan India Presence
200+
PolicyX.com is a Recognised Niva Bupa Partner View Certificate
Network hospitals
10,372
Incurred claim ratio
54.05%
Sum insured
Up to 3 CR
No. of Plans
16
Solvency Ratio
1.7
Pan India Presence
200+
PolicyX.com is a Recognised Niva Bupa Partner View Certificate
Niva Bupa Senior First is a senior citizen health plan packaged with features that give policyholders the assurance of good health at all times. So whether it’s multiple treatments in the same year for the same illness or coverage for consumables, health coverage for seniors is constant and unconditional. Niva Bupa Senior First is an affordable and rewarding health protection plan for seniors. An innovative insurance plan with gold and platinum variants offering a Sum Insured up to INR 25 lakhs.
Niva Bupa Senior First also encourages policyholders to stay healthy. Policyholders get rewarded for staying healthy with the no-claim bonus feature. Add 10% to your base sum insured every claim-free year. Max up to 100% of base Sum Insured.
Niva Bupa Health Insurance Plan Detailed Review
All about Niva Bupa Health Insurance Company
Niva Bupa Health Insurance policy comes with some unique features. Below-mentioned are the specifications of the plan:
Minimum Entry Age
61 Years
Maximum Entry Age
75 Years
Plan Type
Individual/ Family Floater
Policy Term
1/2/3 Years
Initial Waiting Period
30 Days*
Sum Insured
5 L | 10 L | 15 L | 20 L | 25 L
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
**Annual aggregate deductible is available as an optional benefit.
With comprehensive coverage options, Niva Bupa Senior First Plan lets you customize your health insurance plan as per your requirements:
In-patient & Out-patient coverage
Room Rent
Covered, Shared Room
ICU Charges
Not Covered
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 180 days
Domiciliary Hospitalization
Covered up to SI
Daycare Treatment
Covered up to SI
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Covered up to SI
No Claim Bonus
Available, Up to 100% of SI
Automatic Restoration
Not Applicable
Daily Hospital Cash
Not Available
Organ Donor
Covered up to SI
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Covered up to SI
IVF Treatment
Not Covered
Modern Treatment
Covered up to SI
Emergency Coverage
Ambulance
Covered up to SI
Air Ambulance
Covered Up to INR 2.5 L
Compassionate Travel
Not Covered
Global Coverage
Not Covered
Wellness Programmes
E-Consultation
Not Available
Health Check-Up
Not Covered
Second Medical Opinion
Not available
Vaccination
Not available
Limitations
Co-payment
Applicable, 50% co-pay on all claims
Sub-limits
Not applicable
In-patient & Out-patient coverage
Room Rent
Covered, Single Private Room
ICU Charges
Not Covered
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 180 days
Domiciliary Hospitalization
Covered up to SI
Daycare Treatment
Covered up to SI
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Covered up to SI
No Claim Bonus
Available, Up to 100% of SI
Automatic Restoration
Not Applicable
Daily Hospital Cash
Not Available
Organ Donor
Covered up to SI
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Covered up to SI
IVF Treatment
Not Covered
Modern Treatment
Covered up to SI
Emergency Coverage
Ambulance
Covered up to SI
Air Ambulance
Covered Up to INR 2.5 L
Compassionate Travel
Not Covered
Global Coverage
Not Covered
Wellness Programmes
E-Consultation
Not Available
Health Check-Up
Available Annually
Second Medical Opinion
Not available
Vaccination
Not available
Limitations
Co-payment
Applicable, 50% co-pay on all claims
Sub-limits
Not applicable
Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common Room categories covered under room rent are:
Coverage status under Niva Bupa Senior First Plan?
Under Niva Bupa Senior First Plan, the room rent is covered,
Gold Plan - Shared Room
Platinum Plan - Single Private Room
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under Niva Bupa Senior First Plan?
Under Niva Bupa Senior First Plan, the ICU charges are not covered.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Niva Bupa Senior First Plan?
This plan covers medical expenses incurred during pre-hospitalization for up to 60 days.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Niva Bupa Senior First Plan?
This plan covers medical expenses incurred during post-hospitalization for up to 180 days.
Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.
Coverage status under Niva Bupa Senior First Plan?
Under Niva Bupa Senior First Plan, domiciliary hospitalization is covered up to SI.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Niva Bupa Senior First Plan?
This plan covers daycare procedures up to SI.
The cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under Niva Bupa Senior First Plan?
Not covered under the plan.
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under Niva Bupa Senior First Plan?
Covid-19 Covered.
A common eye condition in which your vision gets blurred.
Coverage status under Niva Bupa Senior First Plan?
The plan covers cataracts up to SI.
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under Niva Bupa Senior First Plan?
The cumulative Bonus will be increased by 10% in respect of each claim-free policy year to a maximum of 100% of the sum insured only if you opt for a Platinum Plan.
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under Niva Bupa Senior First Plan?
Not Available.
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under Niva Bupa Senior First Plan?
The daily hospital cash is not available.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under Niva Bupa Senior First Plan?
Under the plan, Organ Donor expenses are covered up to SI.
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under Niva Bupa Senior First Plan?
Not covered
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Coverage status under Niva Bupa Senior First Plan?
Not covered.
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Niva Bupa Senior First Plan?
Under this plan, AYUSH treatment is covered up to SI.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Niva Bupa Senior First Plan?
Not available.
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Niva Bupa Senior First Plan?
Under this plan, Modern Treatment is covered up to SI.
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under Niva Bupa Senior First Plan?
Under this plan, ambulance expense is covered Up to INR 2K per claim.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under Niva Bupa Senior First Plan?
Under this plan, Air ambulance expense is covered Up to INR 2.5 L per claim.
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under Niva Bupa Senior First Plan?
Not available
Any kind of medical/health emergency when you are outside of India.
Coverage status under Niva Bupa Senior First Plan?
Not Available
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under Niva Bupa Senior First Plan?
The plan does not cover the expenses for e-consultation.
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under Niva Bupa Senior First Plan?
Under this plan, health check-up is covered annually for Platinum Plan.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.
Coverage status under Niva Bupa Senior First Plan?
Not Covered.
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Niva Bupa Senior First Plan?
The plan does not cover vaccination expenses.
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Coverage status under Niva Bupa Senior First Plan?
Applicable, 50% co-payment on each and every admissible claim.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.
Coverage status under Niva Bupa Senior First Plan?
Not Applicable
Max Bupa Health Insurance Network Hospitals are present in 32 states nationwide. With a wide network of hospitals, Max Bupa Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Tax Benefits
Get tax relief under section 80D
Reassure Benefit
Get unlimited ReAssure sum insured
No sub-limits
No sub-limits on common health conditions
Discounts
Avail Multiple Discounts
Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
Niva Bupa Senior First allows unlimited reinstatement base sum insured for long-term treatments and multiple illnesses to ensure our seniors always have enough funds for any treatment.
Niva Bupa Senior First provides health coverage without any sub-limits on common health conditions like cataracts, joint replacements, cancer, or any other common health conditions.
Avail up to 15% discount if a policyholder opts for a 3-year policy.
Get a 2.5% discount on renewal premiums.
Health insurance policies generally exclude some medical conditions from their coverage. Find the permanent diseases or health conditions that are not covered under Niva Bupa Health Recharge.
Hospitalization out of war, riot, strike, and nuclear weapons
Intentional self-injury
AIDSMiscarriage, and abortion
Miscarriage, and abortion
Congenital disease
Infertility and in vitro fertilization
Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
Listed ailments after 24 Months
Pre-existing diseases after 24 Months
Niva Bupa Health Insurance company offers several tailored health plans that are designed to serve you in the best way possible. Take a look:
Comprehensive
This plan is designed for youngsters and allows the policyholder to go overseas for treatments.
Unique Features
Comprehensive
A complete health insurance policy that covers you and your family with a wide range of SI (3 Lakh to 1 Crore) and continues to give you more benefits.
Unique Features
Comprehensive
An individual and family plan that covers all day care treatments, modern treatments, comes with a safeguard add-on and provides annual health check-ups.
Unique Features
Comprehensive
A policy for you and your family which covers modern treatments, laser surgery, e-consultations, annual health check-ups, and coverage of 3 Crores.
Unique Features
Affordable
A budget-friendly health insurance plan that offers coverage to individuals and families with tailor-made benefits and great value for money.
Unique Features
Digital
A modern-day digital insurance plan offering you cashless OPD and diagnostic services along with basic coverage and healthcare benefits.
Unique Features
Comprehensive
A complete health plan, providing a wide range of medical benefits along with global emergency coverage.
Unique Features
Affordable
An individual and family health plan, providing a cover of up to 1 crore at affordable premiums combined with advanced features and benefits.
Unique Features
Top-up plan
A super top-up plan providing extra coverage to you and your family on the basis of deductible with SI options of up to 95 lakhs.
Unique Features
Critical Illness
Buy a cover of up to 2 crores to secure you and your loved ones against 20 major critical illnesses with the Niva Bupa CritiCare plan.
Unique Features
Personal Accident
Offers personal accident cover of up to 2 crores on an individual and family floater basis. Pays 100% of SI to your family in case of accidental death.
Unique Features
Comprehensive and Top-Up plan
A unique health insurance plan that combines the benefits of basic SI and top-up cover to offer enhanced protection to individuals and families.
Unique Features
Senior Citizen
A plan providing comprehensive protection to senior citizens with multiple coverage options counting from 5 - 25 Lakhs.
Unique Features
Comprehensive Plan
Niva Bupa Reassure 2.0 provides insurance holders with a high sum insured through their platinum, titanium, and bronze variants along with a multitude of other features.
Unique Features
Suraksha Plan
A personal accident insurance policy that offers a lump sum compensation in case of permanent disability or death resulting from an accident.
Unique Features
Corona Plan
The plan covers you and your family against COVID-19, covers the Comorbidities arising out of COVID, and imposes no room rent capping.
Unique Features
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