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

Get a Quote

92.02

Claim Settlement Ratio

10000

Network Hospitals

5.6

Customer Rating

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....

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

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.

Cashless Healthcare Providers

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

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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 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...

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.