Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Policy typeSenior-citizen health insurance with Gold and Platinum plan variants, individual or family coverage choices and optional deductible/co-payment selection.View source
The BOI page presents Senior First as a senior-citizen plan and compares Gold and Platinum variants.
- Source
- Senior First
- Page / section
- Product Features
- Accessed
- 30 Aug 2026
- Confidence
- high
InsurerNiva Bupa Health Insurance Company Limited; Bank of India distributes the product.View source
The official BOI URL is under the Niva Bupa health-insurance product family.
- Source
- Senior First
- Page / section
- Product identity
- Accessed
- 30 Aug 2026
- Confidence
- high
Sum insured / coverWide sum-insured options starting from ₹5 lakh to ₹25 lakh.View source
The Product Features table states sum-insured options from ₹5 lakh to ₹25 lakh.
- Source
- Senior First
- Page / section
- Product Features — Sum Insured
- Accessed
- 30 Aug 2026
- Confidence
- high
Gold and Platinum plan differencesGold provides shared-room accommodation; Platinum provides a single private room. ReAssure, 10% per-year no-claim bonus up to 100% and annual health check-up from day one are covered in Platinum but not Gold. Both plans cover pre/
The official comparison table lists Gold and Platinum room, ReAssure, no-claim bonus, check-up and treatment benefits.
- Source
- Senior First
- Page / section
- Product Features rows 2–12
- Accessed
- 30 Aug 2026
- Confidence
- high
Co-payment choicesAt inception, the Gold plan offers co-payment choices of 0%, 20%, 30%, 40% or 50%.View source
The table says the co-payment reduction option can be chosen at inception at 0%, 20%, 30%, 40% or 50%.
- Source
- Senior First
- Page / section
- Product Features row 13
- Accessed
- 30 Aug 2026
- Confidence
- high
Optional annual deductibleAn optional deductible equal to 20% (one-fifth) of sum insured removes the co-payment when selected.View source
The table states a 20% of deductible and that opting for it removes co-pay.
- Source
- Senior First
- Page / section
- Product Features row 14
- Accessed
- 30 Aug 2026
- Confidence
- high
Optional coversSafeguard is an optional cover providing cashless non-payable-item coverage, no-claim-bonus protection and inflation-proof benefits. The page also describes the ReAssure extension, which triggers with the first claim and can refill cover without an illness or member restriction, subject to terms.View source
The page describes ReAssure and lists Safeguard as an optional cover.
- Source
- Senior First
- Page / section
- How ReAssure works / Product Features rows 5 and 15
- Accessed
- 30 Aug 2026
- Confidence
- high
Published discounts and tax note7.5% discount on the second-year premium; additional 15% discount on the third-year premium for a three-year term; 10% family discount when two members are covered in an individual policy; 2.5% renewal discount when paid by standing instruction; tax benefit up to 30% under Section 80D of the Income Tax Act, 1961.View source
The Additional Discounts section publishes the tenure, family, standing-instruction and tax rows.
- Source
- Senior First
- Page / section
- Additional Discounts
- Accessed
- 30 Aug 2026
- Confidence
- high
Policy termNo universal policy-term range is published on the reviewed BOI Senior First summary page; confirm the selected Niva Bupa policy schedule before purchase.View source
The reviewed page states tenure discounts but does not print a fixed policy-term range.
- Source
- Senior First
- Page / section
- Product Features / Additional Discounts
- Accessed
- 30 Aug 2026
- Confidence
- high
PremiumPremium is quotation-specific and depends on the selected plan, sum insured, age, co-payment/deductible choice and underwriting; no universal premium amount is published on the reviewed BOI page.View source
The page publishes discounts and benefit choices but no universal premium amount.
- Source
- Senior First
- Page / section
- Additional Discounts / Product Features
- Accessed
- 30 Aug 2026
- Confidence
- high
Entry ageNo numeric entry-age threshold is published on the reviewed BOI Senior First page; confirm the selected Niva Bupa policy schedule and underwriting rules before purchase.View source
The reviewed page identifies the plan as senior-citizen cover but does not print a numeric entry-age rule.
- Source
- Senior First
- Page / section
- Product Features / Eligibility
- Accessed
- 30 Aug 2026
- Confidence
- high
Waiting periodNo general or condition-specific waiting-period schedule is printed on the reviewed BOI summary page; consult the current Niva Bupa policy wording for applicable waiting periods.View source
The product feature table does not include a waiting-period number.
- Source
- Senior First
- Page / section
- Product Features / Disclaimer
- Accessed
- 30 Aug 2026
- Confidence
- high
Key exclusionsThe complete exclusions, sub-limits and claim conditions are not reproduced on the BOI summary page; review the current Niva Bupa policy wording before purchase.View source
The marketing table does not reproduce the complete exclusions schedule.
- Source
- Senior First
- Page / section
- Product Features / Disclaimer
- Accessed
- 30 Aug 2026
- Confidence
- high
Key coverage₹5 lakh–₹25 lakh sum-insured options; Gold shared room or Platinum single private room; 60/
The manually reviewed product benefits state: “₹5 lakh–₹25 lakh sum-insured options; Gold shared room or Platinum single private room; 60/180-day pre/ post-hospitalisation cover; Platinum ReAssure and 10% no-claim bonus up to 100%; 0%/ 20%/ 30%/ 40%/ 50% co-payment choices; 20% of deductible can remove co-payment”.
- Source
- Senior First — official product page
- Page / section
- Published coverage and benefits
- Accessed
- 30 Aug 2026
- Confidence
- high
Geographic limits₹5 lakh–₹25 lakh sum-insured options; Gold shared room or Platinum single private room; 60/
The manually reviewed product record states: “₹5 lakh–₹25 lakh sum-insured options; Gold shared room or Platinum single private room; 60/180-day pre/ post-hospitalisation cover; Platinum ReAssure and 10% no-claim bonus up to 100%; 0%/ 20%/ 30%/ 40%/ 50% co-payment choices; 20% of deductible can remove co-payment”.
- Source
- Senior First — official product page
- Page / section
- Published product metadata
- Accessed
- 30 Aug 2026
- Confidence
- high
Benefits and features
- ₹5 lakh–₹25 lakh sum-insured options
- Gold shared room or Platinum single private room
- 60/
180-day pre/ post-hospitalisation cover - Platinum ReAssure and 10% no-claim bonus up to 100%
- 0%/
20%/ 30%/ 40%/ 50% co-payment choices - 20% of deductible can remove co-payment
Eligibility
- Designed for senior citizens; the reviewed summary page does not print a numeric entry-age threshold.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- Proposal, identity/medical details and claim documents requested by Niva Bupa
Related official documents
Senior First — official BOI product pageofficial-product-page · current · accessed 30 Aug 2026
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