What is the ReAssure Benefit in Senior First Platinum?

ReAssure activates after the first claim and provides unlimited restoration of the base sum insured. It can be used for both the same illness and different illnesses, subject to policy terms and conditions.

How do Loyalty Additions work?

Upon completion of each policy year, the base sum insured increases by 10% of the previous year's base sum insured. These additions can accumulate up to 100% of the original base sum insured.

Does the plan offer health check-ups?

Yes. Annual health check-ups are available from Day 1 of the policy. The benefit is available for a defined list of tests and is linked to the chosen sum insured.

Can I reduce the co-payment requirement?

Yes. The plan offers optional co-payment modification choices of 0%, 20%, 30%, or 40%. Policyholders may also opt for an Annual Aggregate Deductible, which removes the standard co-payment requirement under specified conditions.

OneAssure

Health Insurance

Niva Bupa

Senior First Platinum

Niva Bupa Senior First Platinum

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

5.6

Customer Rating

Policy Brochure

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92.02

Claim Settlement Ratio

10000

Network Hospitals

5.6

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Niva Bupa Health Insurance

Final Verdict

Senior First Platinum is a senior-focused health insurance plan offering unlimited ReAssure benefits, loyalty-based sum insured growth, and Day 1 health check-ups. It may suit seniors looking for long-term protection with higher coverage limits and restoration benefits.

About

About Niva Bupa Health Insurance

Senior First Platinum is a health insurance plan designed specifically for senior citizens between 61 and 75 years of age. The plan provides hospitalization coverage, daycare treatment benefits, AYUSH treatment coverage, domiciliary hospitalization, organ donor expenses, ambulance benefits, and annual health check-ups from Day 1. It distinguishes itself through unlimited ReAssure benefits, yearly loyalty additions that can increase the sum insured by up to 100%, and the absence of disease-specific sub-limits on common medical conditions. The plan also offers flexible co-payment modification and deductible options for policyholders seeking greater customization.

Senior First Platinum is a health insurance plan designed specifically for senior citizens between 61 and 75 years of age. The plan provides hospitalization coverage, daycare treatment benefits, AYUSH treatment coverage, domiciliary hospitalization, organ donor expenses, ambulance benefits, and annual health check-ups from Day 1. It distinguishes itself through unlimited ReAssure benefits, yearly loyalty additions that can increase the sum insured by up to 100%, and the absence of disease-specific sub-limits on common medical conditions....

Platinum Ratings

Platinum

Insurer Rating

5.28

out of 10

Insurance Rating

6.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

Yes

Maternity Available

No

Waiting Period Waiver

No

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

Room Rent

Normal: Single Private Room
ICU: Covered up to Sum Insured

Co-payment

50% co-payment.

Advanced Treatments

Modern treatments covered up to Sum Insured

Cashless Healthcare Providers

Not mentioned — verify from policy wordings

Waiting Period

Initial Waiting Period: Not mentioned — verify from policy wordings.
Pre-existing Disease Waiting Period: Not mentioned — verify from policy wordings.
Specific Disease/Procedure Waiting Period: Not mentioned — verify from policy wordings.

Daycare Treatment

Covered up to Sum Insured

AYUSH Treatment

Covered up to Sum Insured.

Room Rent

Normal: Single Private Room
ICU: Covered up to Sum Insured

Co-payment

50% co-payment.

Advanced Treatments

Modern treatments covered up to Sum Insured

Exclusions

Pre-existing conditions are not covered until 24 months of continuous coverage have elapsed since the policy's inception.
A 30-day initial waiting period applies, during which no claims are admissible, except for those arising from accidents.
Specific treatments, such as cataract, hernia, and spinal disorders, have a 12-month waiting period.
Mental disorder treatments and LASER surgery coverage have a 36-month waiting period.
HIV/AIDS coverage is subject to a 36-month waiting period.

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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...

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.