What is the waiting period for pre-existing diseases under Senior First Gold?

Senior First Gold has a waiting period of 24 months for pre-existing diseases from the policy commencement date. Coverage for these conditions becomes available after completion of this waiting period, subject to policy terms

What is unique about the ReAssure Benefit?

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

How does cashless hospitalization work?

Policyholders can avail cashless treatment at over 8,500 network hospitals. The hospital submits the pre-authorization request to Niva Bupa, and eligible claims are processed according to policy terms.

Can I reduce the 50% co-payment?

Yes. The policy offers optional benefits that allow co-payment to be modified to 0%, 20%, 30%, or 40%. Customers can also choose an Annual Aggregate Deductible option, which removes the standard co-payment requirement.

OneAssure

Health Insurance

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

0

Customer Rating

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92.02

Claim Settlement Ratio

10000

Network Hospitals

0

Customer Rating

Our Verdict

Expert Review: Niva Bupa Health Insurance

Final Verdict

Senior First Gold is a senior-focused health insurance plan that combines broad hospitalization coverage with Day 1 health check-ups and flexibility around co-payment structures. It may suit seniors seeking comprehensive protection with customizable cost-sharing options

About

About Niva Bupa Health Insurance

Senior First Gold is a health insurance plan specifically designed for senior citizens aged 61 to 75 years. The plan provides coverage for hospitalization expenses, daycare treatments, AYUSH treatments, domiciliary hospitalization, organ donor expenses, and emergency ambulance services. It stands out for offering Day 1 health check-ups, no sub-limits on common illnesses, and flexible options to reduce co-payment or replace it with deductibles. The plan also provides access to a large cashless hospital network and a simplified claims process designed for seniors.

Senior First Gold is a health insurance plan specifically designed for senior citizens aged 61 to 75 years. The plan provides coverage for hospitalization expenses, daycare treatments, AYUSH treatments, domiciliary hospitalization, organ donor expenses, and emergency ambulance services. It stands out for offering Day 1 health check-ups, no sub-limits on common illnesses, and flexible options to reduce co-payment or replace it with deductibles. The plan also provides access to a large cashless hospital network and...

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: Shared Room
ICU: Covered up to Sum Insured

Advanced Treatments

Modern treatments covered up to Sum Insured

Co-payment

50% mandatory co-payment.

Cashless Healthcare Providers

8,500+ network hospitals

Waiting Period

Initial Waiting Period: 30 days
Pre-existing Disease Waiting Period: 24 months
Specific Disease/Procedure Waiting Period: 24 months

Daycare Treatment

Covered up to Sum Insured

AYUSH Treatment

Covered up to Sum Insured

Room Rent

Normal: Shared Room
ICU: Covered up to Sum Insured

Advanced Treatments

Modern treatments covered up to Sum Insured

Co-payment

50% mandatory co-payment.

Exclusions

Not available

Add ons

Add-Ons

Safeguard

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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...