Nivabupa Reviews

Fraud DO NOT GET SCAMMED

Fraud DO NOT GET SCAMMEDI have health insurance from past 4 years and for the first time I had to be admitted in the hospital and bill of Rs 20 000 was charged Hospital said I can get the refund from the insurance I claimed and provided all the evidence with receipts but they denied stating that I am lying and was never admitted Inspite of showing all the proof they still didnt agree to pay Finally I went to Insurance Ombudsman office in Asif Ali Road Delhi and spent full day and lodged the complaint Within 2 days I was sent Rs 17 000 refund The insurance company is a fraud and I will not be renewing with them Please read this review and make a wise decision

Extremely Disappointed

Extremely Disappointed Misleading and UntrustworthyMy experience with Niva Bupa has been nothing short of a nightmare I paid my premiums on time trusting that Niva Bupa would be there when I needed them However when it came time to file a claim they completely let me down My legitimate claim was unfairly denied and the explanations provided were vague and unsatisfactory Their customer service was unresponsive and dismissive of my concerns This company does not seem to care about its customers only about collecting premiums and avoiding payouts I feel completely cheated and misled by Niva Bupa I would strongly advise others to reconsider before choosing them as an insurance provider

Niva Bupa is an anti customer friendly

Niva Bupa is an anti customer friendly insurance company It has bunch of employees who are jar heads speak word to word of the insured policy terms without really able to understand and estimate how should an emergency be considered for insurance approval They lack the expertise in understanding exactly what kind of emergencies are really called emergencies and what are not Emergencies of nature which cannot be spoken out in Public are not treated as emergencies Moreover their policy wordings do not align with IRDAI board With such a defaulted service Niva Bupa is planning to raise funds by going public what a pity I m disappointed by the team and service provided by Saurabh Himanshu Minakshi Hrithik Totally waste of such an insurance

Pathetic service Never recommend to buy health insurance from Niva Bupa

Pathetic service The reimbursement service is bad i paid a huge amount I am regretting why I ported my policy from Care Health to Niva Bupa They rejected my reimbursement The reason they gave that my father was admitted in 2022 and we didn t inform to them The things they ask was about chronic diseases that my mother was suffering that I already told them If I want to hide the I can hide this also And that time my father was admitted only he was having high fever due to urine infection due to that he got pus in to his kidney that was very nirmal procedure he gone through That is very foolish reasons they gave The panel doctor Prithvi working for Niva Bupa have no manners how to talk He was very rude Doctors should be polite as they take pledge before becoming doctor but i guess that doctor don t know anything And yes how can I forget Mr Abhishek he promised to help but he never picked calls he never respond He is only waste for company I will never recommend anyone to buy a policy My relatives also have Niva Bupa Policy now i will ask them to port into Care Health At least their servises is much better

Extremely Disappointing Experience

Extremely Disappointing Experience with Niva Bupa Claim Unjustly Delayed DeniedI have had an extremely frustrating and disappointing experience with Niva Bupa regarding my health insurance claim Claim ID 2121560 for a hospitalization due to tonsillitis Despite following all procedures submitting every required document multiple times and even escalating the issue to the grievance team my claim has been unfairly delayed and ultimately denied without any valid reason Here s what happened Repeated Unnecessary Queries After submitting my claim on January 22nd I received multiple queries over the next several weeks asking for the same documents that I had already uploaded Each time I re-submitted the documents but instead of processing my claim efficiently they kept generating new service IDs and repeating the same requests delaying the claim unnecessarily Failure to Process Submitted Documents On multiple occasions I confirmed with customer care that my documents had been uploaded only to later discover that they were not actually processed This happened even with the grievance team where I provided the requested Indoor Case Papers but they were never uploaded on their end leading to another rejection Lack of Clarity Transparency Every time I contacted customer support I received inconsistent responses They kept changing the requirements and even denied my claim for missing a document that was never requested before Hospital Confirmed Documents Were Complete To ensure there were no missing details I personally visited the hospital multiple times and the hospital administration confirmed that all necessary medical records had been provided They even issued a written statement stating that Niva Bupa is free to visit the hospital for verification if needed Final Rejection Without Proper Justification After weeks of back and forth my claim was finally denied on March 5th with the vague reason that mandatory documents were not submitted without even specifying which document was missing Even after raising multiple grievances I continued receiving the same repetitive queries rather than a proper resolution Final Verdict This entire process feels like a deliberate attempt to delay and deny legitimate claims Instead of handling claims efficiently Niva Bupa has engaged in unnecessary bureaucracy lack of accountability and poor customer service I strongly advise anyone considering this insurance provider to think twice before purchasing a policy I am now escalating this matter to the Insurance Ombudsman for a fair resolution To anyone facing similar issues make sure you document everything escalate immediately and don t let them get away with unfair practices

Good

Have their health insurance since a long time almost 7 years Never had any problem with claims