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Find a plan that fits
your needs

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

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In-patient Care

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Get coverage for 2+ hours hospitalisation, up to sum insured (Including All day care Treatments and Modern Treatments)

Pre and Post Hospitalization

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Get coverage up to sum insured for medical expenses 60 days before hospitalisation and 180 days post discharge, up to sum insured.

Organ Donor

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Medical expenses for an organ donor’s inpatient treatment for the harvesting of the organ is also covered up to sum insured.

Treatment at home (Domiciliary Hospitalization)

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Get Coverage up to sum inured for the medical treatment taken at home on account of unavailability of a hospital bed or the doctor’s advice.

Ayush Treatment

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Get coverage up to sum insured, for treatment taken in an AYUSH Hospital for Ayush Treatments.

Room Category

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Get coverage for shared room under the Gold Plan and single private room with the Platinum Plan without any room rent capping.

Ambulance

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Provides coverage for Road ambulance: up to INR 2,000 per hospitalization and Air ambulance: up to INR 2,50,000 per hospitalization.

Standout Features

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ReAssure

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This benefit triggers after the 1st paid claim and provides unlimited reinstatement of base sum insured thereafter for the policy year. Applicable for both same & different illness.

Available in Platinum plan only.

No Claim Bonus

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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)

Available in Platinum plan only.

Health Check-up

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Avail annual health check-up from Day 1 of the policy. Available in Platinum plan only.

No sub-limits on common health condition

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Like cataract, joint replacements, cancer or any other common health conditions.

No mandatory pre-issuance medical tests

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Pre-Policy Medical checkup may be required as per Underwriting guidelines.

Add-on Features​

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Cost sharing options

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You can choose a co-payment of 0%, 20%, 30%, 40% or 50% OR you can choose a deductible amounting to 1/5th of your base sum insured. A co-pay or deductible is mandatory.

Safeguard

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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 for small claims.

Exclusions

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List of Exclusions

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  1. Investigation & Evaluation
  2. Rest Cure, rehabilitation and respite care
  3. Obesity/ Weight Control
  4. Change-of-Gender treatments
  5. Cosmetic or plastic Surgery
  6. Hazardous or Adventure sports
  7. Breach of law
  8. Excluded Providers
  9. Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences thereof
  10. Treatments received in heath hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons
  11. Dietary supplements and substances that can be purchased without prescription.
  12. Refractive Error
  13. Unproven Treatments
  14. Sterility and Infertility
  15. Maternity Expenses
  16. Charges related to a Hospital stay not expressly mentioned as being covered. This will include RMO charges, surcharges and service charges levied by the Hospital.
  17. Circumcision
  18. Conflict & Disaster
  19. External Congenital Anomaly
  20. Dental treatment
  21. Hormone Replacement Therapy
  22. Multifocal Lens and ambulatory devices
  23. Sexually transmitted Infections & diseases (other than HIV / AIDS)
  24. Sleep disorders
  25. Any treatment or medical services received outside the geographical limits of India
  26. Any expenses incurred on OPD treatment
  27. Unrecognized Physician or Hospital
  28. Treatment related to intentional self-inflicted Injury or attempted suicide by any means
  29. Costs which are not Reasonable and Customary and treatments which are not Medically Necessary
  30. Artificial life maintenance for the Insured Person who has been declared brain dead or in vegetative state

 

Refer to the policy document for further details on sub-limits, waiting period and exclusions.

Waiting Periods

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  1. Pre-existing Diseases - Pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 24 months of continuous coverage
  2. Specified disease/procedure - Treatment of the listed conditions shall be excluded until the expiry of 24 months of continuous coverage.
  3. 30-day waiting period - Expenses related to the treatment of any Illness within 30 days from the first Policy commencement date shall be excluded except claims arising due to an Accident, provided the same are covered.

 

Refer to the policy document for further details on sub-limits, waiting period and exclusions.

Get the most value from Senior First

Doctors Speak

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Live well with Niva Bupa

Check out what the doctors and the  experts have to say about your health and health insurance

Calculate Medical Expenses

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Financial Calculator Benefit

Painless renewals

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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 is Senior Citizen Health Insurance?

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Medical insurance for senior citizens is tailored to ease the financial responsibility of recurring healthcare expenses. These insurance policies are specifically crafted for individuals aged 60 and above, addressing their unique healthcare requirements.

 

The Senior First Policy provides coverage for Allopathic and AYUSH treatments received within India during the policy period. Any expenses incurred outside this period will not be eligible for coverage. 

Why Do You Need a Health Insurance Policy for Senior Citizens in India?

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With age comes a greater likelihood of health challenges, and we understand the emotional and financial toll sudden hospitalisations can take on both you and your loved ones. That's where senior citizen mediclaim policies step in, offering invaluable support to ease the burden.

 

Combat Rising Healthcare Costs

It's no secret that healthcare expenses are on the rise, and this can be a cause for concern, especially for seniors. Medical insurance for senior citizens is not just an option; it's a necessity to ensure you have access to the best healthcare services without worrying about the costs.

 

Prioritise Preventive Health Check-ups

Many senior citizen insurance plans include preventive check-ups, which can be instrumental in identifying potential health concerns. Furthermore, the outcomes of these check-ups can influence the premium of your insurance.

 

Experience Peace of Mind

Dealing with medical bills can be a stressful experience, particularly when faced with the escalating costs of both minor and major illnesses. A robust and best health insurance plan provides you with peace of mind, knowing that your financial well-being is protected during challenging times.

 

Cost Sharing Options

Two major cost sharing options of the policy are listed below:

 

1. Co-payment

Once you've made your choice regarding co-payment, it remains fixed and cannot be altered. Co-payment represents the percentage of the eligible claim amount for which you are responsible, with the remainder being covered by us.

 

(NOTE:

  • Co-payment will not apply to ambulance and health check-up benefits.
  • You will have to bear an additional 10% co-payment if the treatment is taken in a more advanced room category than the eligible room category as specified in Your Policy Schedule.)

 

2. Annual Aggregate Deductible (optional benefit)

This is an annual amount you will need to cover for hospital admissions, which is not payable by the insurer. Once this limit is exceeded, the balance amount and the claims thereafter would be payable for that year. You should be aware that this choice is permanent and cannot be modified.

 

(Additional Information:

  • The deductible amount you bear must also adhere to the policy's terms and conditions.
  • Deductibles will not be applicable to Health Check-up benefits.
  • If you choose a deductible, co-payment will not be applicable, except as specified for admissions to higher room categories than the eligible ones.)

Exclusions of Senior Citizen Family Floater Plans

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Consider going through the insurance policy document for a detailed list of exclusions. Following are the general stipulations that should be noted in a senior citizen health insurance plan.

 

Standard Exclusions

 

  • Pre-existing Diseases 
  • Obesity/ Weight Control
  • Change-of-Gender treatments
  • Cosmetic or plastic Surgery
  • Sterility and Infertility
  • Maternity Expenses

 

(Please refer to the complete terms and conditions for detailed list of exclusions)

 

Specific Exclusions

 

  • Personal Waiting Period
  • Unspecified Hospital Charges
  • Conflict & Disaster
  • External Congenital Anomaly
  • Dental/Oral Treatment
  • Multifocal Lenses and Ambulatory Devices
  • Sexually Transmitted Infections & Diseases (except HIV/AIDS)
  • Sleep Disorders
  • Treatment Outside India
  • Outpatient Treatment Expenses
  • Unrecognised Physicians or Hospitals
  • Self-Inflicted Injury or Suicide
  • Artificial Life Maintenance

(Please refer to the complete terms and conditions for detailed list of exclusions)

Considerations While Buying Medical Insurance for Senior Citizens

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Consider these tips when buying one of the best health insurance for senior citizens:

 

Cashless Hospitals

  • Ensure the insurance company has a broad network of hospitals for cashless hospitalisation.
  • Verify if good local hospitals are included in the network.

 

Pre-existing Diseases Waiting Period

  • Choose a senior citizen health insurance plan with a minimal waiting period for pre-existing conditions.
  • Older individuals often have such conditions, and quick coverage is crucial.

 

Domiciliary Hospitalisation

  • Look for plans that cover domiciliary hospitalisation.
  • This covers home treatment expenses when recommended by a qualified doctor, especially when hospitalisation is not feasible.

 

Sum Insured

  • Opt for a plan with a higher sum insured.
  • Senior citizens are at increased risk of illnesses, so a generous coverage amount is advisable.

 

Maximum Entry Age

  • Select a plan with the highest allowable entry age.
  • Ensure it offers coverage for an extended period to address long-term health needs.

Claim Settlement for Senior Citizen Health Insurance

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The claim process for health insurance policies is quite simple. First, the insured must inform the health insurance company about the hospitalisation or other claims per the health plan. Then, they can decide to get the claim settled in either of the following ways:

 

  • Reimbursement Claim Settlement
  • Cashless Claim Settlement

 

Provision for Penal Interest

 

  • We will either settle or reject a claim within 30 days of receiving the final necessary document.
  • If a claim payment is delayed, we will be responsible for paying interest to you. This interest will be calculated from the date of receiving the last necessary document to the date of claim payment at a rate of 2% above the current bank rate.
  • In cases where we deem an investigation, we will promptly initiate and complete it, ensuring it concludes within 30 days of receiving the last necessary document. In such instances, we will settle or reject the claim within 45 days of the document receipt date.
  • If we exceed the stipulated 45-day timeframe, we will be liable to pay interest to you at a rate of 2% above the current bank rate.

 

(NOTE: "Bank rate" refers to the rate established by the Reserve Bank of India (RBI) at the start of the financial year in which the claim becomes due.)

Tax Benefits of Senior Citizen Health Insurance

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By acquiring health insurance for senior citizens, the insured can claim a tax benefit of up to ₹50,000 (for above 60 years) under section 80D of the Income Tax Act, 1961. Moreover, if your children or spouse below 60 years are bearing this premium on your behalf, they can benefit from this deduction on their income tax liability.

Why Choose Us?

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We offer a streamlined and customer-friendly claims process. Packed with multiple benefits and affordable pricing, Niva Bupa's Senior Citizen Family Floater Plan encompasses coverage for a wide range of health-related matters, including those associated with age.

 

Buy the best health insurance for senior citizens in India today.

How to Buy Best Health Insurance for Senior Citizens?

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Here's a concise checklist for selecting the best health insurance policy for senior citizens:

 

  • Choose Plans with Shorter Waiting Period: Senior citizens should select policies with a 1 or 2-year waiting period for pre-existing conditions.
  • Prioritise Insurers with Extensive Network Hospitals: Look for policies that offer cashless hospitalisation at numerous network hospitals, which is crucial for frequent medical needs.
  • Seek Plans with Free Medical Check-ups: Opt for policies providing complimentary medical check-ups to detect diseases early.
  • Insist on No Claim Bonus Benefit: Ensure your policy offers a no-claim bonus to boost your coverage without increasing premiums.
  • Include Domiciliary Treatment Cover: Look for coverage that extends to medical treatment at home when necessary.
  • Check for Day Care Procedure Coverage: Ensure the policy covers treatments that don't require extended hospital stays, like chemotherapy or dialysis.
Frequently Asked Questions

What is a senior citizen health insurance policy?

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 remember when buying a health insurance plan for senior citizens?

What is the difference between senior citizen insurance and standard health insurance?

What are the eligibility criteria for senior citizen health insurance?

Is COVID-19 Covered Under Senior Citizen Family Floater plan?

What is a senior citizen health insurance policy? - +

Senior citizen health insurance plans are designed to alleviate the financial strain caused by the recurring medical expenses. These insurance policies are custom-made for individuals aged 60 and beyond, catering to their distinct healthcare needs. A senior citizen health insurance can facilitate prompt diagnoses and enhance overall health results, providing valuable assistance during this stage of life.

The Niva Bupa Promise

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The Niva Bupa Promise

30 Minute cashless claims processing

Spend less time on paperwork and more with your family

Health network beyond hospitals

A cashless network of 7600+ hospitals & 2000+ doctors

No third-party agents! Direct claim settlement

No TPA involvement in processing your claim

Paperless reimbursements

No paper, no hassle. Get online reimbursements

Your everyday health partner

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Your Everyday Health Partner

Niva Bupa Health App

Track your health, manage your policy & renewals

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Document locker

Store & access all your medical records with a few taps

Login to Health App>>

Hassle-free claims

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Hassle-free Claims
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In as less as 30 minutes!

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