Senior First Gold plan is designed for senior citizens only. This is the first version of Senior First, which comes with features required for this age group, such as pre and post hospitalization coverage, no sub-limit on general health treatments, air ambulance, etc. This plan is a good option, but this plan comes with a 50% co-payment, but you have revised it from 50% to 0% co-payment.
Senior First Gold - Key Highlights
Air Ambulance
Covers air ambulance up to 2,50,000 per hospitalization
No sub-limits
No sub-limit on common health like cataract, joint replacements or cancer ..etc.
No Pre-issuance Medical Tests
No medical examination is required for issuing the policy
100% CSR
100% claim settlement ratio in last 3 months
10,769+ Hospitals
More then 10,000+ hospitals pan India
Modern Treatments
Covers modern treatments up to SI
Features & Benefits
Shared Room
Note: Room rent limits can impact all expenses related to hospitalization. For better coverage, ensure that your health plan does not have any room rent limits.
10,769+ cashless hospitals in India
Note: A large hospital network will allow you to get hassle-free treatment across India without any co-payments and reimbursements, make sure the nearest hospital is included in the network hospital list of your insurer company.
50% Co-Pay (50% paid by insurer)
Note: Always ensure that your health plan does not have any co-pay so that you do not have to spend a single penny from your pocket.
Note: It covers all medical expenses like doctor visits, tests, diagnosis, etc. before hospitalization.
Note: This covers all medical expenses, such as doctors’ medication, follow-up and recovery treatment after discharge
Note: All treatments that take less than 24 hours and do not require you to be hospitalised fall under day care treatment.
Note: Hospitalization at home is possible when beds are not available in the hospital or on medical advice.
up to INR 2,000 per hospitalization
Note: Covers ambulance charges before and after the hospitalization
Value Added Services
Individual: upto Rs. 5,000 per Insured; Family Floater: up to Rs. 10,000 per policy
Note: Applicable for insured persons who are 18 years or above.
Additional Features
Note: This feature is good if the treatment requires the Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy (AYUSH) treatment, make sure your policy covers AYUSH treatments.
Note: This is the important feature in future, it may need.
Note: sub-limit of INR 1 Lac per claim on few robotic surgeries
Note: sub-limit of INR 1 Lac per claim on few robotic surgeries
Maternity Benefit(s)
Note: Covers expenses related to child delivery and pre and post delivery care. Couples who are planning or expecting a baby can add this feature to their health policy.
Available Add-ons
Note: Available option 1 Lacs / 2 Lacs / 3 Lacs / 4 Lacs / 5 Lacs
Exclusions
Note: To know more about the exclusions details, please refer to the policy wording.
About Niva Bupa Health Insurance
Niva Bupa Health Insurance, formerly known as Max Bupa, is a standalone health insurance company in India that focuses only on health insurance and not on other insurance. It is a joint venture company between True North Indian based company and Bupa which is a global healthcare company established in 1947. It has a strong presence in India and Niva Bupa has a wide network to provide a hassle-free-cashless claim process. The company focuses exclusively on health insurance to provide the best for individuals, families, and senior citizens. The company is committed to making quality healthcare accessible and affordable.
FAQs
There is an option to choose for 10% & 20% co –Payment.
1 Year – Nil
2 Years – 7.5%
3 Years – 10%
5 years to 65 years.
Hospitalization expenses incurred abroad shall be paid up to sum insured. This benefit is available
for Sum Insured of 25 Lakhs and above.
Yes, you may file multiple claims in the year, subject to the total amount of the claims not exceeding
the sum insured on your policy.
Latest review
Dr Sachin Kumar Nagar
Coverage is good but I wish OPD consultations were included.
