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Niva Bupa Senior First Plan Details | Niva Bupa Health Insurance | Best Senior Citizen Plan
Niva Bupa Health Insurance
Niva Bupa Senior First Plan
An ideal fit for senior citizens from the age of 61 years, covering th ...Read More
Up to 1 Cr
Sum insured
1
No. of plans
320+
Pan India presence
98%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,740 reviews
🏥 10,000+ hospitals
📊 3.03 solvency ratio
✅ 98% claim settlement
About Niva Bupa Senior First Plan
A quick read on what this Niva Bupa Health Insurance plan covers and why it might be a fit for you.
Niva Bupa Senior First is a senior citizen health plan packaged with features that assure policyholders of good health at all times. Whether it's multiple treatments in the same year for the same illness or coverage for consumables, health coverage for seniors is constant and unconditional. Niva Bupa Senior First is an affordable and rewarding health protection plan for seniors, offering gold and platinum variants with a Sum Insured up to INR 25 lakhs.
Niva Bupa Senior First also encourages policyholders to stay healthy. Policyholders get rewarded for staying healthy with the no-claim bonus feature. Add 10% to your base sum insured every claim-free year, up to a maximum of 100% of the base Sum Insured.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
Min- 61 years, Max- 75 years
Plan type
Senior Citizen Health Insurance
Sum insured options
₹5 L
Waiting period
30 days
Renewability
N/A
Policy term
1/2/3 Years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- High-sum insured options
- Rewards and loyalty benefits
- Multiple plan variants
Cons
- ICU charges not covered
- OPD coverage not available
- Second medical opinion not available
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Not covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Covered
- Day-care treatment Covered
- OPD charges Not covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Not covered
- Daily hospital cash Not covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Covered
- E-consultation Covered
- Health check-up Not covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Covered
- Sub-limits Not covered
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Niva Bupa Health Insurance Review | Max Bupa Health Insurance | Niva Bupa Health Insurance Plan 2025
All about Niva Bupa Health Insurance Company
Niva Bupa Health Insurance Plan Detailed Review
Niva Bupa Senior First Plan Benefits
Tax Benefits
Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.Reassure Benefit
Niva Bupa Senior First allows unlimited reinstatement of the base sum insured for long-term treatments and multiple illnesses to ensure our seniors always have enough funds for any treatment.No sub-limits
Niva Bupa Senior First provides health coverage without any sub-limits on common health conditions like cataracts, joint replacements, cancer, or any other common health conditions.Discounts
Avail up to 15% discount if a policyholder opts for a 3-year policy. Get a 2.5% discount on renewal premiums.
Niva Bupa Health Insurance Network Hospital List
Niva Bupa Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Niva Bupa Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Health insurance policies generally exclude some medical conditions from their coverage. Find the permanent diseases or health conditions that are not covered under Niva Bupa Health Recharge.
- Hospitalization due to war, riot, strike, and nuclear weapons.
- Intentional self-injury.
- AIDS, miscarriage, and abortion.
- Miscarriage and abortion.
- Congenital disease.
- Infertility and in vitro fertilization.
- Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
- Listed ailments after 24 months.
- Pre-existing diseases after 24 months.
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Min. Entry Age: 61 Years
- Max. Entry Age: 75 Years
- SI: - 5 - 25 L
- Initial Waiting Period: - 30 Days
Other features & benefits
- No sub-limits are applicable for common health conditions
- Waive off co-payment on applying deductibles
- No mandatory pre-issuance medical tests
Niva Bupa Senior First Policy: FAQs
The 5 most-asked questions about Niva Bupa Senior First Plan, answered.
The min. SI option is 5 Lakhs and the max. SI option available is 25 Lakhs.
The different waiting periods are: 30 days initial waiting period, 24 months for listed ailments, and 24 months for pre-existing diseases.
For this plan the min. entry age is 61 years and the max. entry age is 75 years.
The Niva Bupa Senior First plan is available in 2 variants, the Gold plan (SI 5 and 10 Lakhs) and the Platinum plan (SI options 5, 10, 15, 20, and 25 Lakhs).
Some of the exclusive benefits available with this plan include tax benefits for senior citizens under Section 80D, special discounts, unlimited ReAssure benefits, no sub-limits, among others.
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