Senior First Platinum Plan is designed for senior citizens only, this is the second plan of Senior First, it is better than Senior First Gold Plan. It includes unlimited restoration of sum insured, free health checkup, pre and post hospitalization, AYUSH treatment, air ambulance, modern treatments and much more. But remember this plan comes with 50% co-payment, but you can reduce this 50% to 0%. So if you are looking for a plan for your parents, you can consider this one.
Senior First Platinum - Key Highlights
ReAssure Benefit
Sum Assured refills an unlimited number of times during the policy term
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
Day 1 Health Check-up
Avail Annual Health-check up from Day 1
Features & Benefits
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.
Note: This allows the coverage amount to be automatically refilled when your coverage exhaust due to multiple claims
Note: This is an additional coverage amount that the insurance company gives you as a loyalty benefit on policy renewal, without reducing the actual coverage amount.
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.
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
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
Restoration benefit automatically replenish the sum insured if the coverage is exhausted due to a medical claim during the policy term.
The waiting period for pre-existing illnesses is 2 years. The insured can apply for a claim after the completion of the waiting period.
Yes, the plan offers cashless hospitalization facility if you are admitted to the insurer network hospital.
No, there is no cap on room rent in this plan and there are no other specific sub-limits.
Yes, treatments requiring hospitalization for less than 24 hours such as cataract surgery, dialysis, and chemotherapy are covered.
No, this policy does not provide coverage for maternity and newborn baby expenses.
Yes, The child should be 91-180 days old at the time of adding the child to the policy after the policy issuance. Spouse will be added after 91 days of policy issuance, provided the date of marriage is after the date of policy issuance
Yes, there is 50% co-payment per hospitalization but insured can modify co-payment by adding Modification in co-payment 40% to 0% .
Yes, the plan provides alternative treatments under AYUSH including Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy.
Policy renewal can be done online. Policyholders can contact us at 011 6932-0444, by email at support@liablecover.com, or by contacting their Relationship Manager.
Latest review
Dr. Arvind Yadav
Great plan structure with a good hospital network. Helpful for my father’s treatment.
