Niva Bupa Senior First Plan
vs
Narayana Arya Health Insurance
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| PLAN DETAILS |
 Niva Bupa Senior First Plan |
 Narayana Arya Health Insurance |
| Premium Including GST | ||
| Product Type | Senior Citizen Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
10425 | 21 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Not Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Not Available |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Available |
| Plan Entry Age | Min- 61 years, Max- 75 years | 3 months to 65 years |
| Plan Premium Entry Age and S/A | NA | NA |
| Plan Waiting Period | 30 | 00 |
| Plan Coverage | - | Indemnity |
| Plan Sample Premium | NA | NA |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 Years | 1 year |
| ICU Charges | Not Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not Covered | Not Covered |
| Ayush Treatment | Covered | - |
| Modern Treatment | Covered | - |
| E Consultation | Covered | Not Covered |
| Air Ambulance | Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 98 | NA |
| Solvency Ratio | 2.55 | NA |
|
Niva Bupa Health Insurance Plan Detailed Review |
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Niva Bupa Senior First is a senior citizen health plan packaged with features that give policyholders the assurance of good health at all times. So whether it’s multiple treatments in the same year for the same illness or coverage for consumables, health coverage for seniors is constant and unconditional. Niva Bupa Senior First is an affordable and rewarding health protection plan for seniors. An innovative insurance plan with gold and platinum variants offering a Sum Insured up to INR 25 lakhs.
Niva Bupa Senior First also encourages policyholders to stay healthy. Policyholders get rewarded for staying healthy with the no-claim bonus feature. Add 10% to your base sum insured every claim-free year. Max up to 100% of base Sum Insured.
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