Senior First Health Insurance Plan

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Elderly family members are those who require the most special care. Whether it is about food, lifestyle, or health insurance, a little extra is what they deserve. To help seniors access the desired healthcare services in their golden years, Niva Bupa offers a Senior First health insurance policy.

Niva Bupa Senior First is a health insurance policy designed to meet the needs of senior citizens. The policy has a sum insured up to ₹25 lacs, so the insured members never have to compromise their health. With over 10,000 network hospitals, it becomes even easier for people to access hassle-free, cashless healthcare services. Read on as we discuss all that you need to know about Senior First by Niva Bupa. Whether you want the policy for yourself or for elderly family members, you're on the right page!

Highlights of Senior First by Niva Bupa Health Insurance

Network Hospitals Available - 10000+

Waiting Period for Pre-existing Diseases (PED) – 2 to 6 years

Claims Settlement Ratio – 91.6%

NCB - 10% of SI, up to 100%

Sum insured ranging from ₹5 lacs up to ₹25 lacs

The policy offers two types of plans: Gold and Platinum

The entry age for the policy is 61 to 75 years, thus, focusing on senior members of a family

There is no compulsion for pre-insurance medical tests. So, start your journey hassle-free

Purchase add-ons with the base plan to further enhance the policy coverage.

Get all your insurance related queries answered

Niva Bupa Senior First: Highlights

Here are some of the highlights of the Niva Bupa Senior First:

Particulars	Details
Policy Name	Niva Bupa Senior First Health Insurance Plan
Insurance Company	Niva Bupa Health Insurance (Earlier known as Max Bupa)
Sum Insured Options	₹5 lacs to ₹25 lacs
Add-ons	Safeguard Cost sharing options
Entry age	61-75 years
Renewability	Yes
Add-ons	Initial waiting period: 30 days Pre-existing diseases: 24 monthsSpecific diseases: 24 months
Free Look Period	15 days
Network Hospital	10,400+
Best Suited For	Senior citizens

Wish to Enhance Your Coverage? Take a look at the Riders Available with Niva Bupa Senior First

Niva Bupa Senior First health insurance policy offers different types of add-ons. Details of these add-ons are given in the table below:

Add-on Covers	Details
Cost-sharing options	You have the option to either pay a deductible of 1/5th of the base sum insured or 0%/20%/30%/40%/50% co-payment
Safeguard	With this add-on, you can access various benefits like an annual increase in base sum insured coverage, non-medical items covered, and NCB intact in case of small claims

Features and Benefits of the Niva Bupa Senior First

Some of the features and benefits of Senior First by Niva Bupa are:

Comprehensive Coverage

The policy offers comprehensive coverage for a range of health conditions. So, you do not have to stress during medical emergencies. Senior First by Niva Bupa ensures you get sufficient coverage and access to high-quality healthcare services.

Health Check-up from Day 1

From day 1 of the policy, insured members can access annual health check-ups. Get an update on your health without any hassle and expense with Senior First by Niva Bupa.

No Sub-Limit for Certain Conditions

For common conditions, there are no sub-limits in coverage. These conditions include cataracts, cancer, etc.

Add-ons

There are options for several add-ons that you may choose to enhance the coverage of your policy. These add-ons help you protect no claim bonus, get coverage for non-medical items, reduce deductibles, etc.

Peace of Mind

A health insurance policy, especially during your golden age, acts as the much-needed peace of mind. At an age when health issues become common, having the right health insurance policy can be a huge relief.

Cashless Treatments

Niva Bupa has 10,400+ network hospitals across the country. These network hospitals let you access cashless treatments. So, you no longer have to burden your savings for a medical emergency. Your health insurer is there to take care of it.

Niva Bupa Senior First: What is Covered?

Inclusions are the conditions that are covered in a health insurance policy. Under the Niva Bupa Senior First policy, the following conditions are covered:

In-patient Care

The policy covers inpatient treatment expenses. So, you can relax and focus on recovery and treatment and let your insurer manage the bills.

Daycare Treatments

The policy also covers a range of daycare treatments. These are the types of treatments that do not require hospitalisation.

Pre-hospitalisation Expenses

Before hospitalisation, the treatment may begin at home. So, from 30 days before hospitalisation, your insurer will cover the expense for treatments.

Post-hospitalisation expenses

60 days after the insured patient has returned home from hospitalisation, the expenses of medications and more are covered by Niva Bupa.

Ambulance Charge

Ambulance charges are also covered in this policy. You can also access an emergency ambulance in the event of a medical emergency.

Room Rent

You also get room rent charges covered in the policy. You may choose from different room options.

Domiciliary Treatments

Some treatments may not require hospitalisation or even daycare attention. However, these may still affect your savings so, domiciliary expenses are also covered.

AYUSH Treatments

AYUSH treatments are also a part of this health insurance plan. So, you get coverage for Ayurveda, Yoga, Unani, Siddha, and Homoeopathy treatments.

ReAssure

Enjoy ReAssure benefits with a Senior First health insurance policy. After 1st claim, the ReAssure benefit gets activated. The base sum insured gets unlimited reinstatement.

No Claim Bonus

For each no-claim policy year, you get a no-claim bonus reward. It can be used to get discounts during policy renewal.

Organ Donor

The cost of organ donors is also covered in the policy. This may include tests and other required treatments.

Health Check-up

You get annual health check-ups as early as the 1st day of the policy. It helps you keep a regular tab on your health.

Niva Bupa Senior First: What is Not Covered?

Some of the common health conditions that are not covered in the policy are termed exclusions. So, the conditions that are not covered under the Niva Bupa Senior First policy are:

Self-inflicted harms

Intentional and self-inflicted harm, including suicide attempts, are not covered in this policy.

Weight control

Treatment or medication for weight control is not covered in the policy.

Gender-change treatments

Gender change is a voluntary treatment and not a medical necessity. Hence, it remains out of reach of a health insurance policy.

Cosmetic surgery

Cosmetic surgery, again, is a voluntary treatment and not a medical requirement. So, such cosmetic and plastic surgeries are excluded from the policy coverage.

Adventure sports

Injuries or damages due to adventure sports participation are uncovered.

Breach of law

Injuries sustained due to participation in illegal activities are not covered in your health insurance policy.

Intoxications

The use of intoxicants, like drugs such as alcohol, tobacco, etc., may cause physical damage. Such treatments are not covered in a health insurance plan.

Excluded providers

If you seek treatment from excluded providers is not covered in the policy.

Cost of supplements

Supplements that your doctor may advise are not covered under the policy.

Unproven treatments

Expenses incurred on unproven treatments are usually uncovered.

Fertility treatments

Treatments or medications for fertility treatment are a voluntary treatment and thus, these are not covered.

Circumcision

Circumcision is religiously mandatory in some communities. However, since it is not medically required, expenses are not covered.

Maternity expenses

Expenses of childbirth, mother, or newborn baby are not covered in this policy.

Dental treatments

Dental treatments may not be covered under the policy.

STDs

Expenses for treatments for sexually transmitted diseases are not covered.

Sleep disorders

Treatments or medications for sleep disorders are not covered.

Pros & Cons of Senior First by Niva Bupa Health Insurance

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

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

Our Verdict on Niva Bupa Senior First

Health insurance for senior citizens has become essential to ensure hassle-free and high-quality healthcare services. Niva Bupa, formerly known as Max Bupa Health Insurance, also offers an exclusive senior citizen health insurance policy, Senior First health insurance. With 10,000+ network hospitals, it is easier for people to access cashless treatments. The company has also received several awards for quality services and high claim settlement.

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Senior First by Niva Bupa Health
Insurance Company

Niva Bupa, formerly known as Max Bupa, is a standalone health insurance provider in India. The company is a joint venture between Fettle Tone LLP and Bupa Singapore Holdings Private Limited. Fettle Tone LLP is an affiliate of True North Fund VI LLP and is a private equity firm of India. Bupa, on the other hand, is a leading healthcare provider globally. Niva Bupa’s health insurance plans are meant for individuals, families, senior citizens as well as corporates.

Founded in

2008

Claim Incurred ratio

54.05%

Turnover (GWP)

Rs 2,6628 Crore

JV Partners

Fettle Tone LLP and Bupa Singapore Holdings Pte. Limited.

Claims Experience

Claims Experience Rating 4.7

% of claims settled in less than 30 days
Reflects on the speed of settling valid claims

99.95%

% of Complaints received on overall claims
% customers unhappy with claims experience

0.49%

Claims Incurred Ratio

65.44%

Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?

91.6%

No. of Cashless Hospitals

10000+

Benefits of Senior First by Niva Bupa Health Insurance

In-patient Hospitalization
ICU Rent Limit	Up to 2% of SI
Room Rent Limit	1% of SI per day to No Limit (depends on plan)
Pre & Post Hospitalization
Post-hospitalization expenses are covered	up to the Sum Insured
Post-hospitalization expenses are covered for up to	180 days after the date of discharge from the hospital
Pre-hospitalization expenses covered	up to the Sum Insured
Pre-hospitalization expenses covered up to	60 days before hospitalization
Day Care Treatment
Financial Limit	Up to SI or sum insured
No. of treatments covered	536+ Daycare treatments covered

Top Health Insurance Plans by Niva Bupa

ReAssure 2.0 Bronze

ReAssure 2.0 Platinum

ReAssure 2.0 Titanium

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Ask Anything as We Have Answers to Everything in Insurance

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.

Senior First is dedicated to serving the needs of senior citizens. Hence, the entry age for the policy is 61-75 years of age.

Yes, people can purchase Senior First health insurance for themselves (an individual policy) or include their spouse under a family floater policy.

The sum insured amount for the Niva Bupa Senior First health insurance policy ranges from ₹5 lacs to ₹25 lacs. The right sum insured depends on several factors, such as your age, health condition, and the type of policy.

T&C

The Cumulative Bonus Super allows the insured to boost sum assured by up to a maximum amount of 500% of SI in 5 consecutive years. The plan allows 100% incremental increase each year on base sum insured
Expenses related to the treatment of a pre-existing Disease (PED) and its complications shall be excluded until the expiry of 48 months of continuous coverage after the date of inception of the first policy