Niva Bupa Senior First Plan

Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

• Private Single AC Room
• Twin Sharing
• General Ward

Coverage status under Niva Bupa Senior First Plan?

Under Niva Bupa Senior First Plan, the room rent is covered,

Gold Plan - Shared Room

Platinum Plan - Single Private Room

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Niva Bupa Senior First Plan?

Under Niva Bupa Senior First Plan, the ICU charges are not covered.

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Niva Bupa Senior First Plan?

This plan covers medical expenses incurred during pre-hospitalization for up to 60 days.

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Niva Bupa Senior First Plan?

This plan covers medical expenses incurred during post-hospitalization for up to 180 days.

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.

Coverage status under Niva Bupa Senior First Plan?

Under Niva Bupa Senior First Plan, domiciliary hospitalization is covered up to SI.

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Niva Bupa Senior First Plan?

This plan covers daycare procedures up to SI.

The cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under Niva Bupa Senior First Plan?

Not covered under the plan.

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under Niva Bupa Senior First Plan?

Covid-19 Covered.

A common eye condition in which your vision gets blurred.

Coverage status under Niva Bupa Senior First Plan?

The plan covers cataracts up to SI.

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under Niva Bupa Senior First Plan?

The cumulative Bonus will be increased by 10% in respect of each claim-free policy year to a maximum of 100% of the sum insured only if you opt for a Platinum Plan.

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under Niva Bupa Senior First Plan?

Not Available.

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under Niva Bupa Senior First Plan?

The daily hospital cash is not available.

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Niva Bupa Senior First Plan?

Under the plan, Organ Donor expenses are covered up to SI.

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under Niva Bupa Senior First Plan?

Not covered

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under Niva Bupa Senior First Plan?

Under this plan, AYUSH treatment is covered up to SI.

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under Niva Bupa Senior First Plan?

Under this plan, ambulance expense is covered Up to INR 2K per claim.

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Niva Bupa Senior First Plan?

Under this plan, Air ambulance expense is covered Up to INR 2.5 L per claim.

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under Niva Bupa Senior First Plan?

Not available

Any kind of medical/health emergency when you are outside of India.

Coverage status under Niva Bupa Senior First Plan?

Not Available

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Niva Bupa Senior First Plan?

The plan does not cover the expenses for e-consultation.

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under Niva Bupa Senior First Plan?

Under this plan, health check-up is covered annually for Platinum Plan.

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.

Coverage status under Niva Bupa Senior First Plan?

Not Covered.

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Coverage status under Niva Bupa Senior First Plan?

Applicable, 50% co-payment on each and every admissible claim.

Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

Niva Bupa Senior First allows unlimited reinstatement base sum insured for long-term treatments and multiple illnesses to ensure our seniors always have enough funds for any treatment.

Niva Bupa Senior First provides health coverage without any sub-limits on common health conditions like cataracts, joint replacements, cancer, or any other common health conditions.

Avail up to 15% discount if a policyholder opts for a 3-year policy.

Get a 2.5% discount on renewal premiums.