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A Promise of Love

Senior First ensures comprehensive cover for elderly with ReAssure and Day 1 health check-up benefits

Senior First

  • Product USP
  • Product Coverage and Limits
  • Product Design and Eligibility
  • Discounts Offered
  • Product Exclusions
  • Disclaimer

Senior First : Product USP

  • ReAssure - ReAssure Benefit will trigger after the 1st claim itself. It is unlimited. Each claim will be up to the base sum insured.
  • Health check-up – Starting from day 1. Only on cashless basis.
  • No sub-limits on common health condition Like cataract, joint replacements, cancer or any other common health conditions
  • No mandatory pre-issuance medical tests**
  • Safeguard (Add On) – Coverage for non-payables items (^^).
  • Annual Aggregate Deductible (Optional) - If deductible is opted, then co-payment will not apply

Senior First : Product Coverage and Limits

Variant Gold Platinum
Base Sum Insured 5L / 10L 5L / 10L / 15L / 20L / 25L
Benefits
In-patient Care Covered up to Sum Insured
Room Category Shared Room Single Private Room
Pre-Hospitalization (60 days) Covered up to Sum Insured
Post-Hospitalization (180 days) Covered up to Sum Insured
Day Care Treatment Covered up to Sum Insured
Modern treatments Covered up to Sum Insured with sub-limit of INR 1 Lakh 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 up to Sum Insured
Treatment at home (Domiciliary Hospitalization) Covered up to Sum Insured
Organ Donor Covered up to 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)
ReAssure Not applicable Unlimited reinstatement up to base Sum Insured (Applicable for both same & different illness)
Health Check-up Not applicable Annual (From Day 1); For defined list of tests; up to INR 500 for every INR 1 Lakh Base Sum Insured
(Individual policy: maximum INR 5,000 per Insured; Family Floater policy: maximum INR 10,000 per policy)
Co-payment 50%
Optional Benefits
Annual Aggregate Deductible 1L / 2L / 3L / 4L / 5L
Modification in co-payment 40% / 30% / 20%
0% (Addon)
Safeguard a. Claim Safeguard: Non-payable items paid up to Sum Insured (List I)

b. Booster Benefit Safeguard: No impact on Booster benefit if claim in a policy year is less than Rs. 50,000

c. Sum Insured Safeguard: CPI linked increase in Base Sum Insured

For detailed coverage information, please refer to the policy terms and conditions document.

Senior First : Product Design and Eligibility

  • Policy Type – ‘Senior First’ product can be issued to individual or to a couple (husband and wife).
  • Entry Age - The entry age under this policy is from 61 years to 75 years (as on last birthday).
  • Relationships allowed can be self & spouse
  • Lifetime Renewability - There is no maximum cover ceasing age on renewals.

For detailed coverage information, please refer to the Prospectus document.

Senior First : Discounts Offered

  • Family Discount: 10% discount on premium if 2 or more members are covered under an individual policy.
  • Term discount: The default policy term for all plans is one year. Two year and three-year policy term options are also available under the product. Youi get 7.5% discount on the premium for second policy year + 15% discount on the premium for third policy year (If Opted for)
  • Standing Instruction Discount: 2.5% discount on premium if standing instruction for renewal is provided and the policy is renewed using the same.

For detailed Product Design, Eligibility and Discount information, please refer to the Prospectus document.

Senior First : Product Exclusions

  • Investigation & Evaluation
  • Rest Cure, rehabilitation and respite care
  • Obesity/ Weight Control
  • Change-of-Gender treatments
  • Cosmetic or plastic Surgery
  • Hazardous or Adventure sports
  • Breach of law
  • Excluded Providers
  • Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences thereof
  • Treatments received in heath hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons
  • Dietary supplements and substances that can be purchased without prescription.
  • Refractive Error
  • Unproven Treatments
  • Sterility and Infertility
  • Maternity Expenses
  • Charges related to a Hospital stay not expressly mentioned as being covered. This will include RMO charges, surcharges and service charges levied by the Hospital.
  • Circumcision
  • Conflict & Disaster
  • External Congenital Anomaly
  • Dental treatment
  • Hormone Replacement Therapy
  • Multifocal Lens and ambulatory devices
  • Sexually transmitted Infections & diseases (other than HIV / AIDS)
  • Sleep disorders
  • Any treatment or medical services received outside the geographical limits of India
  • Any expenses incurred on OPD treatment
  • Unrecognized Physician or Hospital
  • Treatment related to intentional self-inflicted Injury or attempted suicide by any means
  • Costs which are not Reasonable and Customary and treatments which are not Medically Necessary
  • Artificial life maintenance for the Insured Person who has been declared brain dead or in vegetative state

For detailed exclusions list information, please refer to the policy terms and conditions document.

Senior First : Disclaimer

Bank of Baroda is authorized by the Insurance Regulatory and Development Authority to act as a Corporate Agent from 01/04/2025 to 31/03/2028 for procuring or soliciting business of Life insurance, General insurance & Standalone Health insurance under Registration Code CA0004". Insurance is the subject matter of solicitation. For more details on risk factors, terms and conditions please read the sales read sales brochure carefully before concluding a sale. The purchase of Insurance products by Bank of Baroda customers is purely on a voluntary basis. The insurance products are underwritten by the respective insurance company. Bank of Baroda does not perform any insurance e-commerce activity on its website. The contract of insurance is between the insurer and the insured; and not between the Bank and the Insured.

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