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Niva Bupa claim stuck after 30+ calls and repeated 'document missing' rejections, ₹66k premium paid

Niva Bupa Health InsurancePC-2026-03193Insurance ClaimsAnonymous ·
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Niva Bupa Health Insurance Niva Bupa Support Beware and think twice before opting Niva Bupa insurance. Don't fall trap to paid promotions and reviews of Niva Bupa, unfortunately I am trapped because made full payment of 66k. To add my new born name in the policy, the executive suggested to go for Miracle claim first and getting the claim approved seems difficult as I have started believing it is intentional as each time you call the customer care, they have different version of story telling.The claim process started on 4th Sep and still continuing with more than 30 times paid call for 20 mins each time to clarify what is needed by Niva Bupa. Every time, they responded this is the last document needed for the claim.Later, they reject the claim putting a message 'document is missing'. The irony is that are asking now those documents which is provided earlier just to intentionally delay the process. Below are the screen shot.In the mobile app or anywhere there is no option to officially register the complaint or provide the customer feedback. This all is happening when one of the representative visited my home and verified and scanned the documents consuming three hours including taking my Google location of the day when to the hospitalization is done. There is no hope that claim will be processed as I believe it's not the executive but the company itself is intentionally delaying it so that I opt out since I paid full amount. I will explore legal option. PLEASE give a thought before buying insurance from Niva Bupa

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  1. Case filed

    System · 3 Nov 2026, 5:41 am

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