Niva Bupa Senior First
Comprehensive Health Protection for You and Your Family
Niva Bupa Senior First
Comprehensive Health Protection for You and Your Family
Overview
Niva Bupa Senior First is a comprehensive health insurance plan designed to protect senior citizens from unexpected medical expenses. The policy offers flexible coverage with various sum insured options and includes a range of benefits such as cashless hospitalisation, no room rent capping, and a refill benefit.
Key Features
No Room Rent Capping
The policy covers all types of hospital accommodation without any room rent capping (except suite or above room category), giving you the freedom to choose your room.
Refill Benefit
If your sum insured and No Claim Bonus are exhausted, the policy automatically refills your sum insured for subsequent claims in the same policy year.
Health Check-ups
You can avail of cashless health check-ups once every two years (for Variant 1) or annually (for Variants 2, 3, and Family First) to help you live a healthier life.
Day Care Treatments
The plan covers all daycare treatments that do not require a 24-hour hospital stay.
Alternative Treatments
Niva Bupa Senior First covers in-patient treatment under AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) up to the base sum insured.
Modern Treatment Coverage
The policy covers new-age treatments like robotic surgeries, bariatric surgery, and other advanced procedures.
Comprehensive Coverage
The plan offers extensive coverage for a wide range of medical expenses, including:
- In-Patient Hospitalization: Covers expenses for hospital stays, including room rent, ICU charges, and doctor fees.
- Pre & Post Hospitalization: Medical expenses are covered for 30 days before and 60 days after hospitalization.
- Ambulance Charges: Covers ambulance expenses up to ₹3,000 for emergency transfers.
- Organ Donor Expenses: Hospitalization costs for the organ donor are covered up to the sum insured.
- Domiciliary Treatment: The policy covers medical treatment taken at home if a hospital bed is unavailable or on the advice of a medical practitioner.
Waiting Periods
There are standard waiting periods that apply before certain claims can be made:
- Initial Waiting Period: A 30-day waiting period from the policy start date for all illnesses, except those due to an accident.
- Specific Illnesses: A 24-month waiting period for certain specified illnesses and procedures like hernia and joint replacement surgery.
- Pre-existing Diseases: A 36-month waiting period applies to claims for pre-existing diseases (48 months for Variant 1).
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