Niva Bupa Health Insurance

Niva Bupa Senior First Gold Plan

Niva Bupa Health Insurance

7.6/10

OneAssure Rating

85.18%
Claim Settlement Ratio
10,000
Network Hospitals

Highlighted Features

Advanced Medical Coverage

Advanced Medical Coverage

Includes immunotherapy, stem cell therapy, robotic surgeries, deep brain stimulation, and more, ensuring access to cutting-edge medical treatments.

Flexible Co-Payment Option

Flexible Co-Payment Option

Standard 50% co-payment can be reduced to 0%, 20%, 30%, or 40%, offering customized cost-sharing options based on policyholder preference.
 

Brochure

Policy Wording

Our Verdict

Niva Bupa’s Senior First Gold Plan is ideal for seniors needing comprehensive coverage. While it includes hospitalization and modern treatments, the mandatory 50% co-payment can lead to high out-of-pocket expenses.

About the Plan

Product Stats

Rating

Coverage
Claim Settlement
Hospital Network
Co-Payment
Waiting Periods
No Claim Bonus

Features of the Product

01

Room Rent (Normal & ICU)

  1. Normal: Shared Room 

  2. ICU: Covered up to the sum insured

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02

Advanced Treatments

  1. Immunotherapy

  2. Stem Cell Therapy 

  3. Balloon sinuplasty 

  4. Oral Chemotherapy 

  5. Robotic Surgeries 

  6. Stereotactic Radio Surgeries

  7. Deep Brain Stimulation 

  8. Bronchial Thermoplasty 

  9. IONM-( Intra Operative Neuro Monitoring)

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03

Co-payment

  1. 50% is applicable 

    An optional benefit to reduce co-payment from 50% to 0%/20%/30%/40%

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04

Waiting Periods

  1. Initial Waiting Period -30 Days 

  2. Pre-Existing Diseases- 24 Months

  3. Specific Diseases - 24 Months

  4. 30 Days free look period.

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05

Cashless Healthcare Providers

  1. 10,000+ Cashless Network Hospitals

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06

Day Care Treatments

  1. Covered up to Sum Insured.

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07

AYUSH Treatment

  1. Covered up to Sum Insured.

    Cover for Ayurvedic, Unani, Siddha and Homeopathic treatments.

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Exclusions

Add-ons

Looking for a Specific Hospital ?

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Why OneAssure?

Coverage That Grows with You

We help you maximize your coverage over time for stronger protection.

About the Company

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Frequently Asked Questions

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