How does the waiting period affect my coverage?

Niva Bupa Senior First Gold has a 30-day initial and 24-month pre-existing & specific disease waiting periods.

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

If no claims are made during the policy year, the Senior First Gold policy does not offer a No Claim Bonus (NCB) or any cumulative benefits for claim-free years.

Will my health insurance cover treatment abroad?

This policy excludes international treatment; only India-based medical expenses within the covered hospital network are reimbursed.

How to avail cashless hospitalization under Niva Bupa Senior First Gold?

Visit a network hospital, show your health card and ID, hospital sends pre-authorization; upon approval, treatment proceeds cashless.

OneAssure

Health Insurance

Niva Bupa

Senior First Gold

Niva Bupa Senior First Gold

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

7.6

Customer Rating

Policy Brochure

Policy Policy Wording

Get a Quote

92.02

Claim Settlement Ratio

10000

Network Hospitals

7.6

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: Niva Bupa Health Insurance

Final Verdict

Niva Bupa’s Senior First Gold Plan is ideal for seniors needing comprehensive coverage. While it includes hospitalization and modern treatments, the mandatory 50% co-payment can lead to high out-of-pocket expenses.

About

About Niva Bupa Health Insurance

Niva Bupa’s Senior First Gold Plan covers senior citizens (61-75 years) with ₹5 lakh or ₹10 lakh sum insured and mandatory 50% co-payment. It includes in-patient care, 60-day pre & 180-day post-hospitalization, all day care & AYUSH treatments, organ donor expenses, and modern treatments (₹1 lakh sub-limit on robotic surgeries). It also offers ambulance coverage (₹2,000 road, ₹2.5 lakh air) for comprehensive senior healthcare.

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of Niva Bupa Insurance Company Limited

Advanced Treatments

Immunotherapy
Stem Cell Therapy
Balloon sinuplasty
Oral Chemotherapy
Robotic Surgeries
Stereotactic Radio Surgeries
Deep Brain Stimulation
Bronchial Thermoplasty
IONM-( Intra Operative Neuro Monitoring)

AYUSH Treatment

Covered up to Sum Insured.
Cover for Ayurvedic, Unani, Siddha and Homeopathic treatments.

Waiting Period

Initial Waiting Period -30 Days
Pre-Existing Diseases- 24 Months
Specific Diseases - 24 Months
30 Days free look period.

Co-payment

50% is applicable
An optional benefit to reduce co-payment from 50% to 0%/20%/30%/40%

Cashless Healthcare Providers

10,000+ Cashless Network Hospitals

Daycare Treatment

Covered up to Sum Insured.

Room Rent

Normal: Shared Room
ICU: Covered up to the sum insured

Advanced Treatments

Immunotherapy
Stem Cell Therapy
Balloon sinuplasty
Oral Chemotherapy
Robotic Surgeries
Stereotactic Radio Surgeries
Deep Brain Stimulation
Bronchial Thermoplasty
IONM-( Intra Operative Neuro Monitoring)

AYUSH Treatment

Covered up to Sum Insured.
Cover for Ayurvedic, Unani, Siddha and Homeopathic treatments.

Cashless Healthcare Providers

10,000+ Cashless Network Hospitals

Exclusions

Conditions present before policy inception are excluded until 24 months of continuous coverage.
Certain diseases and procedures have a 24-month waiting period before coverage begins.
A 30-day waiting period applies from policy start, excluding accidental injuries.
Treatment for injuries intentionally caused by oneself is not covered.
Medical expenses arising from alcohol or drug abuse are excluded.

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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...

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...