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Niva Bupa Insurance
Senior Citizen Individual Insurance

Niva Bupa Senior Citizen Individual Health Insurance

ReAssure Benefit - ReAssure Benefit will trigger after the 1st claim itself. It is unlimited. Each claim will be equal to the base sum insured
Day 1 Health Check-up - Avail Annual Health-check up from Day 1
No sub-limits on common health condition - No sub-limits applicable for common health conditions like cataract, joint replacements, cancer, or more.
No mandatory pre-issuance medical tests
Safeguard (Add-on) - Go truly cashless with coverage even for non-payable items like gloves etc.
Annual Aggregate Deductible - If deductible is opted, then co-payment will not apply

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Niva Bupa Health Insurance review

Sum Insured
2 lacs - 300 lacs options available

Tenure Options
1 year

Claims Incurred Ratio *
54.00%

Claims Settlement Ratio **
85.96%

List of Network Hospitals
4,500+ hospitals

Number of Policies issued *
696,107

Number of Lives Covered *
54,33,000

Maximum Family Floater Coverage
Self, Spouse + 4 dependent children

* As per IRDAI report for 2018-19 | ** As per NL25 data published on the Insurance Company website

Niva Bupa Niva Bupa Senior Citizen Individual insurance plan details

Product Benefit Table (all limits in INR unless defined as percentage)
Variant	Gold	Platinum
Benefits
In Patient Care	Covered up to Sum Insured
Room Category(1)	Shared Room	Single Private Room
Pre-Hospitalisation Medical Expenses (60 days)	Covered Upto Sum Insured
Post-Hospitalisation Medical Expenses (180 days)	Covered Upto Sum Insured
Day Care Treatment	Covered Upto Sum Insured
Domiciliary Hospitalisation	Covered Upto Sum Insured
Modern treatments	Covered up to Sum Insured with sub-limit of INR 1 Lac per claim on few robotic surgeries
Ambulance	Road ambulance: up to INR 2,000 per hospitalization Air ambulance: up to INR 2,50,000 per hospitalization
AYUSH Treatments	Covered Upto Sum Insured
Treatment at home (Domiciliary Hospitalization)	Covered up to Sum Insured
Organ Donor	Covered Upto Sum Insured
No Claim Bonus	Not applicable	In case of claim free year, increase of 10% of expiring Base Sum Insured in a Policy Year; maximum up to 100% of Base Sum Insured (In case of claim, no reduction in No Claim Bonus)
Vaccination of the new born baby	Not applicable	Unlimited up to base Sum Insured (Applicable for both same & different illness)
Emergency Ambulance	Not applicable	Annual (From Day 1); For defined list of tests; up to INR 500 for every INR 1 Lac Base Sum Insured (Individual policy: maximum INR 5,000 per Insured; Family Floater policy: maximum INR 10,000 per policy)
Co-payment(1)	50%
Optional Benefits
Annual Aggregate Deductible(2)	1 Lacs / 2 Lacs / 3 Lacs / 4 Lacs / 5 Lacs
Modification in co-payment	0% / 20% / 30% / 40%
Entry age: 61 to 75 years. Family Combination: 1 Adult or 2 Adults (Self & Spouse). 2 Adults policy can be taken on individual basis or floater basis sum insured
Notes:	1 - 10% additional co-payment applicable, if treatment is taken in higher room category than eligible room category. 2 - Deductible will be 1/5th of the base sum insured chosen. If deductible is opted, then co-payment will NOT apply except as specified in point (1) for treatment taken in higher than eligible category of room.