Niva Bupa Health 4+

No response

I am with Niva bupa since last 5 years, fortunately without any claim. It’s the time for renewal of my Reassure policy. Since there is a huge jump in premium amount from last year’s 40k to 52k even without no claim status, I tried to know the reasons for this premium escalation and also whether the no claim bonus was given or not, but unfortunately none is responding to clarify before I proceed for renewal. They simply send you the messages/reminders in a stereotyped way for renewal by mentioning the due date and even in their app also, you are simply directed to go forward for renewal process, but nowhere you get the desired clarification. Very sad situation even after staying with this company for last 5 years.

Developer Response ,

We value your experience and would like to understand the issue that led to this rating. Please share your issue and policy details at Grievance.social@nivabupa.com with the subject line as this verification code NBHI-1295. We’d be happy to assist you. Regards, Keshav

Terrible Customer Service Despite Paying Rs. 30,000 Premium

I had an absolutely horrifying experience with Niva Bhupa Health Insurance. My wife fainted unexpectedly and was rushed to the hospital, where she was admitted for three days until diagnosed with internal bleeding in her stomach. The doctors recommended urgent surgery because the bleeding was life-threatening. Shockingly, Niva Bhupa took 48 hours just to approve the initial hospitalization. When the hospital requested Rs. 2 lakh for the surgery, the company deleted the previously approved claim and started a new one—something that even their own customer service executives couldn’t trace.

After another 48 hours, I was told that the claim had been approved. However, at the time of the surgery, the hospital said it hadn’t been cleared. I had to keep contacting customer service while being the only one caring for my wife in a critical condition. Despite repeated calls, they refused to approve the claim. Thankfully, I had corporate insurance, which I switched to at the last minute, and they covered all the costs.

I paid a total premium of Rs. 30,000 for this policy, expecting premium service. When selling the policy, they painted a rosy picture, claiming I’d have a dedicated Personal Relationship Manager. A year later, no one was ever assigned to me. This entire experience was a nightmare, and I felt completely misled by their marketing. I wouldn’t recommend this company to anyone.

Developer Response ,

We genuinely value your feedback and request you to kindly share with us your policy details and registered mobile number on Grievance.social@nivabupa.com with the subject line as this verification code NBHI-1925. Our team will soon get in touch with you. Regards, Aarav

Pathetic Service

I have bought health insurance Policy of myself and my brother. However, i have been trying to know more about my policy but i am unable to do it due to very bad digital services of niva bupa i am not able to login to my account through website on laptop nor even through app and further calls to customer care number is paid despite unlimited calling plan a person is charged for call. I having complete information required like policy no, customer id, mobile no, email but the login says my policy is inactive, my mobile not registered (despite the same mobile number appears on my policy document sent by you), email not registered ( despite receiving policy on same email), app says no insurance policy linked despite entering policy no and date of birth even then it won’t recognise the user. Nothing can be done online even during this digital age. I cant schedule my comprehensive free health check up, login to my account and access other services. No one is going to visit the branch for these services that are provided online by all insurers. I am afraid how bad would be the claim service if anything happens to me or my brother. I will be switching to hdfc ergo