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I am still waiting for a written decision. I hope this gets the attention my emails did not.

Niva Bupa Health InsurancePC-2026-01214Insurance ClaimsAnonymous ·
I paid for my 77-year-old mother's health insurance Niva Bupa Health Insurance on September 24th. Today, I still don't know if she is insured. Here's what happened: 🔹 We were porting her policy from Star Health, where she has been continuously insured for years. 🔹 Niva Bupa told us the policy could be ported after an interview and asked us to pay the premium. We paid on September 24th 🔹 On September 29th, a day after my insurance with Star Health expires, they sent a counter proposal with exclusions, including a blanket exclusion for "Arthrosis", a term broad enough to cover almost any joint. 🔹 We had fully disclosed her past cataract surgery and right knee replacement. I accepted that related exclusions were fair, and asked only that the joint exclusion be limited to the right knee. 🔹 After customer care on the phone was not able to help me, I wrote an email to the CEO, customer care, and the grievance officer, asking for one of two things: narrow the exclusion, or cancel and refund so I could renew with Star Health. That was 8 days ago. I sent a reminder after 5 days. No call. No email. No policy copy. No rejection. No refund. My mother's previous policy has expired, and she is now in limbo, with our premium sitting with the insurer. Two questions for the industry: 1⃣ Why are senior citizens asked to pay before underwriting terms are disclosed? 2⃣ What is a grievance officer for, if grievances go unanswered? Niva Bupa Health Insurance Krishnan Ramachandran — I am still waiting for a written decision. I hope this gets the attention my emails did not. If you are porting a parent's health policy: get the final underwriting terms in writing BEFORE you pay. #HealthInsurance #SeniorCitizens #ConsumerRights #CustomerService #IRDAI Niva bupa Support Niva BupaHealth Insurance Ombudsman - India Application No: ******

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  1. Case filed

    Filer · 8 Oct 2026, 5:22 am

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