Niva Bupa Senior First Platinum
Niva Bupa
5.6/10
OneAssure Rating
5.6/10
OneAssure Rating
Highlighted Features
Room Rent and ICU Limit
Covers a single private room with no rent cap; ICU charges up to sum insured. Higher room categories require a 10% co-payment, ensuring flexibility and financial security.
Advanced Treatments
Covers robotic surgeries, stem cell therapy (specific conditions), oral chemotherapy, proton beam therapy, deep brain stimulation, and immunotherapy, providing senior citizens access to cutting-edge medical treatments for better recovery.
Brochure
Explore more features
Our Verdict
The Niva Bupa Senior First Health Insurance Plan offers comprehensive coverage for seniors, including hospitalization, AYUSH treatments, and wellness benefits. Ideal for seniors seeking robust health protection, it provides flexible co-payment and deductible options.
About the Plan
The Niva Bupa Senior First Health Insurance Plan is specially designed to meet the healthcare needs of individuals aged 60 and above, offering comprehensive coverage for senior citizens. The plan covers hospitalization expenses, pre- and post-hospitalization care, daycare treatments, and even alternative treatments like AYUSH. It also offers features like annual health check-ups and coverage for modern medical procedures. With high sum insured options and cashless treatment available at a wide network of hospitals, this plan provides financial security and easy access to quality healthcare. Additionally, it offers benefits like free medical check-ups and no upper age limit for renewal, making it a valuable choice for seniors seeking robust health protection.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent
Single private AC room is covered
ICU Charges
No restriction on ICU room rent
Disease-wise sublimits
No
Co-payment
Yes
Restoration Benefit
Yes, your sum insured restores to 100% unlimited times after your first claim, for both related and unrelated illnesses
Cumulative Bonus
Your sum insured increases by 10% for every claim-free year, upto 100%
Consumable Cover
Not Available
Initial Waiting Period
30 days.
Specific Waiting Period
2 years
PED Waiting Period
2 years
Modern Treatment
Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period
Annual Health Checkup
Health Checkup is covered upto INR5000 per individual per policy year.
Daycare Treatment
Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured
AYUSH Treatment
Covers AYUSH treatment expenses up to your annual sum insured during the policy period
Pre-Hospitalisation
You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved
Post-Hospitalisation
You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it
Outpatient Department Cover (OPD Expense)
OPD expense is not included
Deductible Option
Available
Claim Settlement Ratio
92.02%
Cashless Healthcare Providers
10000+ Healthcare Providers
Coverage Options
Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L
Maternity Cover
Not Available
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.
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
Senior First Platinum vs Heart
Senior First Platinum vs Activ One Max
Senior First Platinum vs Medicare Plus
Senior First Platinum vs Activ One Vytl
Senior First Platinum vs Supreme Enhance Two
Senior First Platinum vs Medicare Premier
Senior First Platinum vs Supreme Enhance One
Senior First Platinum vs Supreme
Senior First Platinum vs Health Companion Variant 2022
Senior First Platinum vs Reassure 2.0 Platinum+
Senior First Platinum vs Reassure 2.0 Titanium+
Senior First Platinum vs Reassure 2.0 Bronze+
Senior First Platinum vs Elevate
Senior First Platinum vs Joy Today
Senior First Platinum vs Joy Tomorrow
Senior First Platinum vs Young Star Gold
Senior First Platinum vs Activate Booster Plan A
Senior First Platinum vs Senior First Gold Plan
Senior First Platinum vs Star Women Care Policy
Senior First Platinum vs Activ One VIP
Senior First Platinum vs Advantage
Senior First Platinum vs Health Recharge Super Top Up Plan
Senior First Platinum vs HeartBeat Gold
Senior First Platinum vs Young Star Silver
Senior First Platinum vs Assure
Senior First Platinum vs Activate Booster Plan B
Senior First Platinum vs Energy Silver With Copay
Senior First Platinum vs Optima Secure
Still Confused ?
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.
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.
Related Blogs
Family Floater Plans: A Quick Overview
How Does Life Insurance Work? Everything You Need to Know Before Buying
Discover how life insurance works in India, including key terms, premium payments, and what happens on claim settlement.
What Is Insurable Interest in Life Insurance and Why Is It Important?
Learn what insurable interest is in life insurance, why it is important, and look at examples of insurable interest. See how it impacts the policies and claims.
Insurance in 2026: Great for Your Wallet, But What’s Still Missing?
The Union Budget 2026 was just presented by the Finance Minister, and for the first time in years, the "boring" world of insurance has some of the most exciting updates for young earners.
Term Insurance Medical Test Fail: Common Mistakes You Should Avoid
What Happens If You Fail a Term Insurance Medical Test? Understanding the Reasons, Next Steps, and How to Improve Your Eligibility
ICICI Elevate vs Care Supreme: Which Health Plan Offers Better Coverage in 2025?
Explore ICICI Elevate vs Care Supreme to find the best health insurance in 2025.
Understanding the Critical Illness List in Insurance Policies
Explore the critical illness list in insurance, key coverage details, and how it helps safeguard your finances against major health risks.
Understanding Mahatma Jyotiba Phule Jan Arogya Yojana: A Comprehensive Guide
Mahatma Jyotiba Phule Jan Arogya Yojana: Eligibility, Enrollment Process & Key Healthcare Benefits
Factors to consider when buying critical illness insurance
Explore the importance of critical illness insurance, how it works, what it covers, and key factors to consider before buying a policy for financial protection.
Top Senior Citizen Health Insurance Schemes by Government of India
Explore government-backed senior citizen health insurance schemes in India, offering cashless hospitalization, financial security, and comprehensive medical coverage.
How to Surrender Your HDFC Life Policy Online and Claim Your Surrender Value?
Learn how to surrender HDFC Life policy online and claim your surrender value in India.
Benefits of Having a Death Insurance Policy
Explore the potential benefits of opting for a death insurance policy in India in 2025.
Pre-Existing Disease in Health Insurance: All You Need to Know Before Buying
.png)
Tips To Choose The Best Health Insurance Plan
Making Health Insurance Affordable: Is EMI Really the Best Way?
In India, we’ve mastered the art of the EMI. From the latest iPhone to that fancy fridge, if it has a price tag, it probably has an "Easy Monthly Installment" plan. So, it was only a matter of time before the insurance world caught up.
How India’s Budget 2026 Could Shape the Future of Insurance - A Young Earner’s Guide.
Let’s break down what the latest Union Budget means for you - not just as a citizen, but as someone earning, planning finances, and thinking seriously about securing your future with insurance.
