Niva Bupa Senior First Gold Plan
Niva Bupa
6.4/10
OneAssure Rating
6.4/10
OneAssure Rating
Highlighted Features
Advanced Treatments
The Niva Bupa Senior First Gold plan covers advanced treatments like robotic surgeries, stem cell therapy, cyberknife, and proton therapy.
Room Rent (Normal & ICU)
This policy includes room rent coverage, offering a single private room for normal hospitalization and no cap on ICU stays.
Brochure
Explore more features
Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
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
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
Claim Settlement Ratio
90.10%
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.
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.
Exclusions
Safeguard - Increases cover with inflation, protects bonus for claims under ₹50,000, and covers some of the excluded consumable items like syringes, gloves, PPE kits etc.
Add-ons
Related Variants
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
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 strong financial performance and market confidence.
About the Company
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