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Niva Bupa Cashless claim denied in cashless network

Niva Bupa Health InsurancePC-2026-00021Insurance ClaimsAnonymous ·
This is unacceptable, Niva Bupa Health Insurance Why should I go for REIMBURSEMENT when I took treatment in your CASHLESS NETWORK hospital? Hospital: Chandan Hospital, Lucknow (Your network hospital) Cashless Request ID: 1594148 - Denied TWICE Surgery Date: 12/10/2026 - Severe Aortic Stenosis I chose a network hospital ONLY for the cashless facility. I paid the premium for cashless, not for reimbursement harassment. *Why should I opt for reimbursement when I visited a cashless network hospital? I have been paying the policy premium for the last 3 years, and now when I actually need the claim, you are asking me to go for reimbursement. This is not acceptable. At the time of selling the policy, Niva Bupa says "go to a cashless network hospital, everything will be free", and at the time of claim, you come up with endless excuses.* As per Chandan Hospital letter dated 29/09/2026 (attached): 1. Patient first visited on 24-09-2026 - NO prior cardiac history. Dr. Jigar K Shah clearly mentioned first evaluation was on 24-09-2026. 2. TAVI advised because open-heart surgery is HIGH RISK due to past hemorrhagic stroke and left-sided weakness. Heart Team decision attached. 3. Hospital already gave 3 valve cost options (22L / 18L / 15L) as asked by your team. Still your reply is copy-paste: "Liability cannot be established, go for reimbursement" If a network hospital's detailed clarification is not enough for cashless, then what is the meaning of "Cashless Network"? I don't have ₹15-20 lakh to pay upfront. Delay in surgery is a risk to my Father life. I demand immediate intervention from your senior claims team and a clear reason for denial, not a template reply Please approved cashless request. #NivaBupa #IRDAI #CashlessDenied #HealthInsuranceIndia #PatientRights #seniorcitizen #Allreach #Nivabupasupport #linkdinpost #Post #HealthInsurance #InsuranceClaims #CustomerExperience #NivaBupa #Policybazaar #PBFintech #IRDAI #BimaBharosa #ConsumerRights #ClaimSettlement

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  1. Case filed

    Filer · 30 Sept 2026, 5:03 pm

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