How does the waiting period affect my coverage?

The Niva Bupa Senior First Gold plan includes a 30-day initial waiting period, during which no claims are covered except for accidental injuries. Pre-existing conditions are covered after 24 months, and certain specified illnesses may also have a waiting period of up to 24 months.

What happens if I don’t use my health insurance benefits for the entire year?

If no claims are made throughout the policy year, you may be eligible for a No Claim Bonus (NCB), which increases your sum insured by a fixed percentage each year, up to a specified limit, providing additional coverage without extra premiums.

Does the Niva Bupa Senior First Gold plan cover treatment abroad?

The plan primarily offers coverage within India and does not include international treatment under the standard policy. However, some optional add-ons may provide limited coverage for medical emergencies abroad.

What riders can be added to the Niva Bupa Senior First Gold?

For Niva Bupa Senior First Gold, you can add these optional riders: Critical Illness Cover, Personal Accident Cover, Hospital Cash, E‑Consultation, Annual Aggregate Deductible (1–5 L), Modification in Co‑payment (20/30/40%), and Safeguard add‑on

OneAssure

Health Insurance

Niva Bupa

Senior First Gold Plan

Niva Bupa Senior First Gold Plan

Experience India's most trusted health insurance with Niva Bupa Health Insurance. Get instant cashless treatment at 10000 network hospitals with sum insured up to ₹50 lakhs.

92.02

Claim Settlement Ratio

10000

Network Hospitals

6.4

Customer Rating

Get a Quote

92.02

Claim Settlement Ratio

10000

Network Hospitals

6.4

Customer Rating

Our Verdict

Expert Review: Niva Bupa Health Insurance

Use our free BMI calculator for men and women to quickly check your Body Mass Index. Discover whether you're underweight, normal, overweight, or obese based on your height and weight - only at Oneassure.

Final Verdict

The Niva Bupa Senior First Health Insurance Plan offers extensive coverage for seniors aged 60+, with benefits like hospitalization, daycare treatments, and AYUSH. Add-ons enhance flexibility, but co-payment may be high. Ideal for senior citizens seeking comprehensive health protection.

About

About Niva Bupa Health Insurance

The Niva Bupa Senior First Health Insurance Plan is tailored specifically for individuals aged 60 and above, offering comprehensive health coverage designed to address the unique medical needs of senior citizens. The plan provides high sum insured options, ensuring financial security during medical emergencies. Key features include coverage for hospitalization expenses, pre- and post-hospitalization care, daycare treatments, and alternative therapies like AYUSH. It also includes provisions for domiciliary treatment and ensures a hassle-free claim process with cashless treatment available across a vast network of hospitals. With wellness benefits and options for lifelong renewability, this plan empowers seniors with robust protection and peace of mind.

The Niva Bupa Senior First Health Insurance Plan is tailored specifically for individuals aged 60 and above, offering comprehensive health coverage designed to address the unique medical needs of senior citizens. The plan provides high sum insured options, ensuring financial security during medical emergencies. Key features include coverage for hospitalization expenses, pre- and post-hospitalization care, daycare treatments, and alternative therapies like AYUSH. It also includes provisions for domiciliary treatment and ensures a hassle-free claim process...

Inclusions and Exclusions

Inclusions and Exclusions of Niva Bupa Insurance Company Limited

Outpatient Department Cover (OPD Expense)

OPD expense is not included

ICU Charges

No restriction on ICU room rent

Coverage Options

Available coverage options: ₹5L, ₹10L

Maternity Cover

Not Available

Claim Settlement Ratio

92.02%

Post-Hospitalisation

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

Deductible Option

Available

Cashless Healthcare Providers

10000+ Healthcare Providers

Specific Waiting Period

2 years

AYUSH Treatment

Covers AYUSH treatment expenses up to your annual sum insured during the policy period.

Advanced Treatments

Including robotic surgeries, stem cell therapy (for specific conditions), and modern procedures like laser treatments and bariatric surgery.

Co-payment

Yes, 50%

Daycare Treatment

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Cumulative Bonus

Not Available

Disease-wise sublimits

No

Restoration Benefit

Not Available.

PED Waiting Period

2 years

Initial Waiting Period

30 days.

Modern Treatment

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Not Available

Pre-Hospitalisation

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Consumable Cover

Not Available

Room Rent

The shared Room is covered.

Outpatient Department Cover (OPD Expense)

OPD expense is not included

ICU Charges

No restriction on ICU room rent

Coverage Options

Available coverage options: ₹5L, ₹10L

Pageof 8

...

Exclusions

Admissions primarily for diagnostics and evaluation purposes are excluded.
Expenses for enforced bed rest and custodial care are not covered.
Treatments for obesity, unless meeting specific medical criteria, are excluded.
Expenses for procedures to change body characteristics to those of the opposite sex are not covered.
Treatments aimed at altering appearance, unless medically necessary due to accident, burns, or cancer, are excluded.
Injuries resulting from participation in professional hazardous or adventure sports are not covered.

Add ons

Add-Ons

Safeguard

Insurance Premium Calculator

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

About the company

Niva Bupa Health Insurance Company Ltd. (formerly Max Bupa) is a standalone health insurer in India, formed through a joint venture between the UK-based Bupa Group and Indian private equity firm True North. Established in 2008, the company offers a comprehensive range of health insurance products for individuals, families, and senior citizens, designed to make quality healthcare more accessible and affordable. The company operates with a nationwide network of over 10,000 hospitals and provides coverage across hospitalization, surgeries, consultations, and post-hospital care. Under the leadership of Managing Director and CEO Krishnan Ramachandran, Niva Bupa has expanded its presence and strengthened its digital and service capabilities to enhance the customer experience. Listed on both the BSE and NSE after its November 2024 IPO, Niva Bupa reflects...

Niva Bupa Health Insurance Company Ltd. (formerly Max Bupa) is a standalone health insurer in India, formed through a joint venture between the UK-based Bupa Group and Indian private equity firm True North. Established in 2008, the company offers a comprehensive range of health insurance products for individuals, families, and senior citizens, designed to make quality healthcare more accessible and affordable. The company operates with a nationwide network of over 10,000 hospitals and provides coverage...