Niva Bupa Senior First Plan: Benefits, Premium, Coverage, Renewal Online
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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
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,740 reviews
🏥 10,000+ hospitals
📊 3.03 solvency ratio
✅ 98% claim settlement

An ideal fit for senior citizens from the age of 61 years, covering them with features like ReAssure benefit, safeguard add-ons, and more.

Why Do We Recommend This?
  • No sub-limits are applicable for common health conditions like cataracts, joint replacements, and even cancer.
  • Waive off co-payment on applying deductibles.
  • No mandatory pre-issuance medical tests.

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

A quick look at what this plan covers — and what it doesn't.

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 Senior First Plan Details | Niva Bupa Health Insurance | Best Senior Citizen Plan

Niva Bupa Senior First Plan Details | Niva Bupa Health Insurance | Best Senior Citizen Plan

Niva Bupa Health Insurance Review | Max Bupa Health Insurance | Niva Bupa Health Insurance Plan 2025

Niva Bupa Health Insurance Review | Max Bupa Health Insurance | Niva Bupa Health Insurance Plan 2025

All about Niva Bupa Health Insurance Company

All about Niva Bupa Health Insurance Company

Niva Bupa Health Insurance Plan Detailed Review

Niva Bupa Health Insurance Plan Detailed Review

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.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

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

Frequently Asked Questions

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.

Explore Niva Bupa Health Insurance

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 1 Jun 2026 · Originally published: 27 Sep 2024

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