Niva Bupa Senior First Gold
Niva Bupa
7.6/10
OneAssure Rating
7.6/10
OneAssure Rating
Highlighted Features
Advanced Medical Coverage
Includes immunotherapy, stem cell therapy, robotic surgeries, deep brain stimulation, and more, ensuring access to cutting-edge medical treatments.
Flexible Co-Payment Option
Standard 50% co-payment can be reduced to 0%, 20%, 30%, or 40%, offering customized cost-sharing options based on policyholder preference.
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Policy Wording
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Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
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
Co-payment
50% is applicable
An optional benefit to reduce co-payment from 50% to 0%/20%/30%/40%
Waiting Period
- Initial Waiting Period -30 Days
- Pre-Existing Diseases- 24 Months
- Specific Diseases - 24 Months
- 30 Days free look period.
Daycare Treatment
Covered up to Sum Insured.
Room Rent
- Normal: Shared Room
- ICU: Covered up to the sum insured
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.
Treatments for aesthetic purposes without medical necessity are not covered.
Injuries or illnesses due to war or related activities are excluded.
Injuries from engaging in dangerous sports or activities are not covered.
Treatments by practitioners not recognized by medical councils are excluded.
Medical expenses incurred for treatments outside India 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
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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 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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