Senior First

Niva Bupa Health Insurance

Claim settlement ratio 91.6%

NCB* 10%, up to 100%

PED Waiting# 24 months

Network Hospital 10000+

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Overview of Senior First Policy

If you are looking for a health insurance plan for the elderly in your family, pick the  Niva Bupa Senior First policy. This is a comprehensive health plan designed to protect the health of senior citizens and allows them to enjoy a secured and protected second innings of their life.

USP features of Senior First Policy

  • The plan comes with a Reassure Benefit where the insured can get unlimited ReAssure sum insured (available with platinum plan up to base SI)
  • Niva Bupa Senior First policy allows the policyholders to enjoy direct claim settlement option without the involvement of any agent
  • The policy allows coverage for AYUSH treatment for the elderly for a wide choice of treatment options
  • The best part is that the policyholder or the senior citizen do not have to go through medical tests since it is not mandatory for every customer
  • The policy requires the insured to disclose their pre-existing health conditions with the insurer before buying the plan

What’s not covered under Senior First Policy?

  • Like all other health plans, treatment for the first 30 days of Senior First Policy will not be covered except for an accidental treatment
  • The plan covers expenses of treatment of pre-existing diseases only after the completion of 24-months waiting period
  • Investigations, evaluations, and OPD treatments are excluded from the plan
  • Plan also doesn’t include coverage for any change-of-gender treatments, or cosmetic surgery, hormone replacement therapy etc.
  • It doesn’t cover treatment expenses for injuries caused by any hazardous or adventure sports

Frequently asked questions

The Niva Bupa Senior First Health Insurance plan has an initial waiting period of 30 days. The plan comes with pre-existing diseases and specific diseases waiting for 24 months.

You can visit the website of the company to check the premium chart of the Senior First Health Insurance plan. You can also use the premium calculator to calculate the same.

Yes, you can opt for a single private room while getting hospitalized under the platinum variant of the plan.

The entry age for the senior first plan is between 61 to 75 years.

Yes, the Senior First health plan by Niva Bupa is specially designed for people above 60.

  • * 10% Cumulative Bonus (CB) will be applied on the Base Sum Insured for each claim free Year, which can go up to a maximum of 100% of the Base Sum Insured.
  • # Expenses related to the treatment of a pre-existing disease (PED) and its direct complications shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with the insurer.
(For Detailed Information Refer to the Policy Wording)

Other Plan Variants

ReAssure 2.0