Best Health Insurance For Senior Citizens - Health Protection with a promise of love
TAX Savings upto ₹ 21,372 under section 80D*





50K+ Customers
Many individuals have already opted for Niva Bupa Health Insurance
Key features of
- 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. Treatment related to intentional self-inflicted Injury or attempted suicide by any means
- 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 & exclusions.
- •Pre-existing Diseases - Pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 24 months of continuous coverage
- •Specified disease/procedure - Treatment of the listed conditions shall be excluded until the expiry of 24 months of continuous coverage.
- •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 & exclusions.
vs Other Market Health Insurance Plans
Here is a quick comparison between Senior First v/s Other plans offered in the market
Use and get back your coverage
Allows you to reinstate your base sum insured again and again. Reinstated sum insured can be used for same illness, same person as well.
Minimum hospitalisation
Allows you to get coverage for all hospitalisation which are more than 2 hours.
Room & ICU limit
Take any room and coverage upto your sum insured
Pre & post hospitalisation expenses
Coverage for expenses before and after the hospitalisation such as diagnostics and pharmacy
Sublimit on common health conditions
No capping for coverage for common old age conditions like cataract and joint replacements
0% Co-payment
No mandatory cost sharing for the consumer.
Coverage for non payables
Allows you get coverage even for the non payable items which otherwise are excluded.
Other Popular Health Insurance Plans
Explore other health insurance plans offered by Niva Bupa
A Truly Unlimited Health Plan
Starts from
₹ 7,430^^
Annual Premium
UNLIMITED
Sum Insured
- Go LIMITLESS. Now your sum insured has no Limits
- Get Day 1 coverage for Pre-Existing Disease
- NivaBupaOne gives you access to Executive Health Assessment, Priority Claims, and Dedicated Support Services
- Go Borderless and get treatment anywhere in the world.

A plan that rewards you for starting young
Starts from
₹ 8,633^^
Annual Premium
₹ 5,00,000
Sum Insured
- Pay premium as per your entry age (till a claim is paid)
- Carry forward unused base sum insured up to 10 times of base cover
- Buy multiyear policies (2 and 3 years) and combine the entire sum insured (Base and Maternity) to be used anytime during the complete policy tenure
- Accumulate cashback on every claim-free year. Pay for premiums, deductible, co-payment, and OPD

Day 1 Coverage for Diabetes & Hypertension
Starts from
₹ 2,474^^
Annual Premium
₹ 5,00,000
Sum Insured
- No waiting period for pre-existing diabetes and hypertension
- Up to 20% off on renewal premium based on quarterly test results
- No extra loadings for pre-existing diabetes and hypertension
- Diagnostic tests covered up to INR 3,000 per year
Key Benefits of Senior First
There are several benefits that you can enjoy when buying Senior First. Some of them are listed below:
Comprehensive Coverage for Multiple Claims:
The ReAssure Benefit activates right after the first claim, ensuring continuous protection for policyholders. With unlimited reinstatement, it allows multiple claims during the policy year, each up to the full base sum insured.
Day 1 Health Check-up:
Annual health check-ups are available from the start of the policy, encouraging early detection and preventive care.
Unrestricted Coverage:
Medical expenses for common conditions such as cataract, joint replacements, and cancer have no sub-limits, ensuring comprehensive financial support.
Exclusions of Senior Citizen Family Floater Plans:
Senior First includes coverage for emergency ambulance services, ensuring that you can receive timely medical care and transportation to the hospital without worrying about the financial burden of ambulance fees.
Safeguard (Add-On):
Expands cashless coverage to include non-payable items like gloves, making your hospitalisation experience completely hassle-free.
Download Resources
Read more about the product through Product Brochure and Policy Wording documents
Our Satisfied Customers
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Niva Bupa App Today
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Reviews
Make your Health Insurance accessible on the go. Download the Niva Bupa Health App today
5
app rating by customer
I found, the Niva Bupa app to be very user-friendly and most convenient. Thanks for the interface that gives power to me. From finding cashless hospitals in any location, booking a consultation, to submitting and tracking claims, etc., everything is on my fingertip. Recently, suddenly, my 8-year-old daughter fell ill, infected by Dengue, I applied for reimbursement using this app for the first time. Still, I completed the process easily and today I got the reimbursement amount as well in a week. THANK YOU.
5
app rating by customer
The app works perfectly and provides real-time assistance. One-stop solution for most of the services - Policy details, premium certificate, network hospital details. The most important unlimited free teleconsultation feature. I used it multiple times, saving time and money.
5
app rating by customer
New Ul is crisp. Really an upgrade in experience.
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About Niva Bupa
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www.nivabupa.com
+91 11 41743397
1860-500-8888
3rd Floor, Capital Cyberscape, Sector 59, Gurgaon
Insurance is a subject matter of solicitation. Niva Bupa Health Insurance Company Limited (IRDAI Registration Number 145, Category:Health), 'Bupa' and 'HEARTBEAT' logo are registered trademarks of their respective owners and are being used by Niva Bupa Health Insurance Company Limited under license. CIN: L66000DL2008PLC182918
*Terms & Conditions apply
^Compare Variants
The premiums are excluding applicable taxes for all the variants , for a 25-year-old individual living in Pune & has opted Sum Insured for INR 5 Lacs.
*Claim Promise with Zero Deductions:
This is applicable for ReAssure, Reassure 2.0, Aspire and Rise product.
a. Buy your Niva Bupa policy for coverage of 10 Lacs or above, with Safeguard+ add on
b. Intimate Niva Claim helpline (1860-500-8888) 48 hours before hospitalization for non-emergency treatments
c. Choose any hospital from the list of recommendations given by Claim Advisor for your treatment, via cashless facility
d. Receive a claim promise with zero deduction, in accordance with policy inclusions and T&C
e. Claims Exclusions: the promise will not apply to claims arising due to exclusions stated in the policy (e.g.- non-disclosure, fraud, standard exclusions, waiting periods etc.)
^^ Other Popular Health Insurance Plans:
Smart Health (Disease Management Rider): The premium is including taxes and for Disease Management Gold Variant rider when bought with ReAssure 2.0 Bronze variant with Base Sum Insured of 5 lacs, for a 25-year-old individual living in Delhi.
Health Premia: The premium is including taxes and for Silver Variant, for a 25-year-old individual living in Delhi.
Senior First: The premium is including taxes and for Gold Variant, for a 65-year-old individual living in Delhi.
Aspire: The premium is including taxes and for Gold+ Variant, for a 25-year-old individual living in Delhi.
BEWARE OF SPURIOUS / FRAUD PHONE CALLS!
IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment or premium. Public receiving such phone calls are requested to lodge a police complaint.
Beware of misleading telephone calls from people posing as Niva Bupa officials, agents, Officials from ECI (Office of the Executive Council of Insurers) etc. and offering alluring benefits or sharing false information on your policy or on Niva Bupa.
Niva Bupa shall not be responsible for any loss or damages whatsoever for any acts or omissions arising out of such spurious calls and all customers are advised to contact our customer care at 1860-500-8888 and verify any representations or promises made by any such spurious callers before acting upon the same.





