Niva Bupa Health Insurance Company Limited
Senior First
Senior-citizen-focused (61+ entry)
UIN MAXHLIP21575V012021We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹25 lakh
Claim settlement (CSR)
98.5%
PED waiting
24 months
Specific disease wait
24 months
Mandatory co-pay
0%
Room rent prop. ded.
No
Pre / post hosp.
60 / 180 days
Network hospitals
9,600+
Free look
30 days
What this plan does well
- SENIOR-FOCUSED — entry age 61+
- PED waiting ONLY 24 MONTHS — DEALBREAKER ADVANTAGE vs Care Senior (48mo) for seniors with pre-existing
- 180-day post-hospitalisation (industry leading for senior segment)
- ReAssure — UNLIMITED SI after first claim (industry-leading restoration mechanism)
- Modern Treatments up to SI (₹1L robotic cap, but cardiac/prostatectomy/nephrectomy/malignancies UP TO SI)
- Air Ambulance ₹2.5L/hosp built-in
- Day 1 Health Checkup with senior-relevant tests (no waiting)
- Health Check claims don't reduce SI
Watch out for
- Co-pay choice IMMUTABLE once chosen (Section 4.1) — can't reduce later
- Senior First variants may have 20% co-pay built-in per schedule
- Senior segment — premium high vs younger-age plans
- Specific disease waiting still 24 months
- Pre-policy medical check may be required (verify schedule)
- Robotic surgeries ₹1L sub-limit (except 4 carve-outs)
- Higher room category triggers additional 10% co-pay
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.