Niva Bupa Senior First Health Insurance Policy – Complete Guide for Senior Citizens

The Niva Bupa Senior First Policy (previously known as Max Bupa Senior First Plan) is designed to provide financial protection for individuals aged 60 years and above. With rising medical costs, senior citizens need a plan that covers hospitalization, treatments, and cashless facilities.

This exclusive senior citizen health insurance by Niva Bupa Health Insurance ensures peace of mind by offering extensive benefits, flexible policy terms, and a strong hospital network across India.

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Why Choose Niva Bupa Health Insurance Plans?

Niva Bupa (earlier Max Bupa Health Insurance) has earned a strong reputation for transparent policies, quick claim settlements, and customer-first service. Its wide range of health insurance plans includes solutions for individuals, families, and senior citizens.

Advantages of Niva Bupa Senior First Policy

• Entry Age: 60 years & above

• Sum Insured: Up to ₹25 lakh

• Network Hospitals: 10,000+ (check the Niva Bupa Health Insurance Hospital List)

• No mandatory pre-policy medical test (in most cases)

• Lifetime renewability under Niva Bupa Health Insurance Renewal

• Tax benefits under Section 80D of the Income Tax Act

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Key Features of Niva Bupa Senior First Plan

The Senior First Niva Bupa Plan is built keeping in mind the healthcare needs of elderly citizens.

• ✅ Daycare procedure coverage (540+ treatments)

• ✅ Domiciliary hospitalization for home-based treatments

• ✅ Pre & post-hospitalization expenses (60 & 90 days)

• ✅ Second medical opinion benefit

• ✅ No claim bonus for claim-free years

• ✅ Affordable premiums compared to other senior health plans

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Types of Senior First Niva Bupa Health Insurance Plans

Niva Bupa offers two options under the Senior First Policy:

1. Senior First – Gold Plan

   • Affordable premium option

   • Suitable for basic medical coverage

2. Senior First – Platinum Plan

   • Higher sum insured (up to ₹25 lakh)

   • Wider benefits and lower co-payment clauses

Both plans are designed for senior citizens but differ in premium and coverage extent.

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Niva Bupa Policy Details

• Eligibility: Individuals aged 60 years and above

• Policy Term: 1, 2, or 3 years

• Coverage: Individual policy (can also cover spouse)

• Renewal: Simple Niva Bupa Health Insurance Renewal process online/offline

• Family Options: For younger members, explore Max Bupa Health Insurance Plans for Family

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Niva Bupa Health Insurance Review

Based on customer feedback, the Niva Bupa Senior First Policy scores well for affordability and claim settlement.

Pros:

✔ Large network of cashless hospitals
✔ Flexible plan options (Gold & Platinum)
✔ Transparent claim settlement process

Cons:

✘ Co-payment applies for certain claims
✘ Waiting period for some pre-existing diseases

Overall Review:
The plan is considered one of the most trusted senior citizen health insurance plans in India due to its balance of benefits and premium affordability.

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Niva Bupa Health Insurance Hospital List

The Niva Bupa Health Insurance Hospital List includes over 10,000+ network hospitals across India, offering:

• Cashless treatment facilities

• Easy access for emergency hospitalization

• Pan-India coverage for senior citizens

This extensive network makes it easier for elderly members to avail medical services without financial stress.

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Niva Bupa Health Insurance Renewal

The renewal process for the Niva Bupa Senior First plan is quick and paperless:

1. Visit the official Niva Bupa website or app

2. Enter your policy details

3. Review coverage and premium

4. Pay securely online

5. Download your renewed policy instantly

With lifetime renewability, senior citizens never lose coverage benefits.

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Conclusion

The Niva Bupa Senior First Plan (earlier Max Bupa Senior First) is among the best senior citizen health insurance plans available in India. With extensive coverage, affordable premiums, and a strong hospital network, it ensures that healthcare expenses never become a burden during retirement years.

If you are looking for a reliable and value-packed health insurance option for senior citizens, the Senior First Niva Bupa Health Insurance Policy is a smart choice.