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What you get
What you get
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Please click here to see premium illustration
Modern Treatments
Covered up to sum insured with sub-limit of ₹1 lakh per claim on a few robotic surgeries.
Day Care Treatments
Get coverage for all day care treatments up to the sum insured.
Pre & Post Hospitalisation
Expenses covered 60 days before hospitalisation and 180 days post-discharge.
AYUSH Treatments
Get cover for Ayurvedic, Unani, Siddha and Homeopathic treatments under AYUSH up to the sum insured
Room Category
Coverage for shared room under the Gold plan and single private room under the Platinum Plan.
Organ Donor
Avail coverage for medical expenses incurred on the organ donor’s treatment up to the sum insured.
Know what’s covered under Senior First Health Insurance Plan
Search for diseases covered in the Senior First Health Insurance Plan and check out all the policy features.
Hospitalisation
IN-PATIENT CARE (HOSPITALISATION)
+ -Get cashless coverage for hospitalisation expenses for all insured members at network hospitals
HOSPITAL ACCOMMODATION
+ -Get coverage for shared room under the Gold Plan and single private room with the Platinum Plan without any room rent capping
PRE & POST HOSPITALISATION MEDICAL EXPENSES
+ -The policy covers expenses 60 days before hospitalisation and 180 days post discharge
DOMICILIARY HOSPITALISATION
+ -The policy will reimburse you for the medical treatment taken at home on account of unavailability of a hospital bed or the doctor’s advice
ORGAN TRANSPLANT
+ -Medical expenses for an organ donor’s inpatient treatment for the harvesting of the organ is also covered
EMERGENCY AMBULANCE
+ -The policy covers the cost of ambulance. These expenses are paid once we have accepted the inpatient claim
DAY CARE TREATMENT COVERED
+ -All day-care treatments are covered
HEALTH CHECKUP
+ -With the Platinum Plan, avail annual health check-up from Day 1 of the policy
Standout Features
REASSURE BENEFIT
+ -Get unlimited ReAssure sum insured (maximum amount for single claim is up to base sum insured). Available in Platinum plan only.
DIRECT CLAIM SETTLEMENT
+ -There are no third-party agents involved. Get your claims processed painlessly by our customer service team directly
NO CLAIM BONUS
+ -In case of claim free year, increase of 10% of expiring Base Sum Insured in a Policy Year; maximum up to 100% of Base Sum Insured (In case of claim, no reduction in No Claim Bonus)
Add-on Features
Optional Benefits: |
|
COST SHARING OPTIONS |
A co-pay or deductible is mandatory. You can choose a co-payment of 20%, 30%, 40% or 50%. Alternatively, you can choose a deductible amounting to 1/5th of your base sum insured
|
SAFEGUARD |
Get access to additional benefits like- annual increase in coverage based on inflation rate, coverage for non-payable items and no impact on No Claim Bonus. |
Exclusions
Permanent Exclusions
+ -- - Treatment during the first 30 days of the plan will not be covered, unless the treatment needed is a result of an accident. This waiting period does not apply for health check-up and renewal policies.
- - Any pre-existing conditions and specified disease/procedures like cataract, pancreatitis, hernia, osteoarthritis, joint replacement etc. will be covered after a waiting period of 2 years. In case of enhancement of Sum Insured the exclusion shall apply afresh to the extent of Sum Insured increase.
- - Investigation & Evaluation, OPD Treatment
- - Unproven Treatments, Unrecognized Physician or Hospital
- - Breach of law, Excluded Providers, Conflict & Disaster
- - Rest Cure, rehabilitation and respite care
- - Change-of-Gender treatments, Cosmetic or plastic Surgery, Hormone Replacement Therapy
- - Hazardous or Adventure sports
- - Sleep disorders, Treatment for, alcoholism, drug or substance abuse or any addictive condition
- - Treatments received in heath hydros, nature cure clinics, spas or similar establishments
- - Dietary supplements and substances without prescription, including but not limited to vitamins, minerals and organic substances
- - Sterility and Infertility, Maternity Expenses
- - Circumcision, External Congenital Anomaly, Sexually transmitted Infections & diseases (other than HIV / AIDS)
- - Dental/oral treatment
- - Multifocal Lens and ambulatory devices such as walkers, crutches etc.- Any treatment or medical services received outside the geographical limits of India.
- Intentional self inflicted Injury or attempted suicide
- Costs which are not Reasonable and Customary and treatments which are not Medically Necessary
Refer to the policy document for further details on sub-limits, waiting period and exclusions.
Initial waiting period is 30 days
+ -Waiting period for pre-existing and specified conditions is 2 years
Get the most value from Senior First
Doctors Speak
Live well with Niva Bupa
Check out what the doctors and the experts have to say about your health and health insurance
03 February 2020
Niva Bupa Health Insurance
Picking the right health insurance for you
Choosing the right health insurance plan is not easy. Niva Bupa can help you in choosing the right health insurance policy in India based on your requirements.
21 January 2020
Niva Bupa Health Insurance
Everything you need to know about health insurance
It is important to have a comprehensive health insurance. Know all about the types of health insurance, it's benefits & understand how to make the best of your medical insurance policy.
Calculate Medical Expenses
Painless renewals
Assured plan renewal for life
Get up to 20% off on renewals for staying healthy
Get health check-up annually on the Platinum Plan
Get health check-up annually on the Platinum Plan
Get No Claim Bonus of 10% in a policy year, up to a maximum of 100% - on the Platinum Plan
Get No Claim Bonus of 10% in a policy year, up to a maximum of 100% - on the Platinum Plan
Hassle-free 5 minutes renewal process
Seamless renewal options.
What are some of the myths about senior citizen health insurance?
How to select the best health insurance plan for people above 60?
Why do you need health insurance for senior citizens?
What are the things to keep in mind when buying a health insurance plan for senior citizens?
What is the difference between senior citizen health insurance and standard health insurance?
What is the eligibility criteria for senior citizen health insurance?
Myth 1: My parents don’t need health insurance as they are healthy
Everyone needs health insurance, especially ageing parents. While they may be healthy now, the situation could change in a few years. Thus, having a health insurance plan for contingency is a wise move. Additionally, most health insurance plans have a waiting period. So, it best to buy a health insurance plan as early as possible to serve the waiting period and mitigate the risks.
Myth 2: There are very high waiting periods in senior citizens health insurance policies
Senior First has a waiting period of only two years for pre-existing conditions and for specific diseases/procedures such as cataract, hernia, joint replacement etc. However for other conditions, the hospitalization coverage starts after initial waiting period of 30 days. For hospitalization due to accident, the policy provides coverage from day 1.
Myth 3: My work/corporate insurance cover is enough
This is a prevalent misconception. Many youngsters feel that the mediclaim policy provided by their employer is comprehensive, but in most cases it is not. Additionally, the insurance benefit ceases if you lose your job or quit. Hence, it is prudent to have separate health insurance for yourself and your parents.
Myth 4: Insurance for senior citizen is expensive
Health insurance is a safety net to safeguard your finances and ensure the best possible care if a health emergency arises. With medical costs skyrocketing, it is highly essential to have health insurance. While the cost of health insurance for senior citizens is slightly higher, it is not expensive. With some financial planning, it can easily be taken care of, and in the long run, it will only help you save money.
Furthermore, Senior First gives you the freedom to choose co-payment or deductible options to make the premium more affordable as per your needs.
Myth 5: Senior citizens cannot get health insurance if they have a pre-existing condition
Many people refrain from buying health insurance if they have a pre-existing condition such as diabetes, hypertension, etc., as they believe that they will be denied a health cover. This is not true. For instance, Niva Bupa’s Senior First health insurance plan covers pre-existing conditions up to a certain level with a waiting period of two years.
The Niva Bupa Promise
Your everyday health partner
Hassle-free claims
Get admitted
Visit us at one of our hospitals
Use your health card
Identify yourself with your NivaBupa health card
Get validated
After validation your request will be sent directly to us
We Review
No third party involved!
Claim Settled
In as less as 30 minutes!
Get a quote
Tell us a little about yourself and we’ll get you the right quote.
Download Resources
Senior First Brochure
Download the brochure to understand the Senior First Health Insurance Plan better.
Senior First Policy
Wordings
Find out all you need to know about the plan here
Senior First
Claim Form
Download the form to make a hassle-free claim
Senior First
Proposal Form
Download the proposal form.
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