Niva Bupa Health User Reviews

Name: Niva Bupa Health
Rating: 4.7 (513 reviews)

Niva Bupa Health

Niva Bupa Health Insurance Company Limited

💼 Business

💪 Health & Fitness

What users say

Summarized from real user reviews of Niva Bupa Health. Based on 513 reviews and a 4.7/5 average, it highlights the 8 positives and 16 negatives reviewers mention most about this Health & Fitness app.

Positive things

👍User-friendly interface and easy navigation
🏥Smooth cashless hospitalization process
⚡Quick claim approval and settlement
🎯Comprehensive policy features and benefits
📱All-in-one app with multiple services
💳Easy policy document access
🤝Excellent customer support during claims
✅Hassle-free policy purchase process

Negative things

😞Extremely poor customer service responsiveness
⏳Excessive delays in claim settlement (30+ days)
🔄Frequent forced logouts and re-authentication
💰Unjustified premium hikes (60-70% increases)
📞Inaccessible customer support channels
❌Claims rejected without proper explanation
🚫Policy documents not issued after payment
🔐Login and authentication failures
📊Inaccurate step count tracking
⚠️Misleading policy terms and hidden clauses
🏥Limited cashless hospital network
📝Difficulty updating policy information
🔌App functionality issues and errors (406 errors)
💬Unhelpful chatbot and IVR systems
🎫Cancellation of health checkup bookings
🚨Delayed cashless approval during emergencies

Top reviews

Most Recent Highest Rated Lowest Rated

Pathetic

I wish i could rate negative, firstly the app is just trash, no option to renew your policy. Secondly, from last 6 months i am trying to set up Auto debit and it never happened. Their agent Anwar is the worst customer service agent possible, all they do is just sell you the policy, their after sale service is just pathetic. Do not buy policy from them. I raise complaint every month and get blank calls from customer service people, that too at the wrong time slot.

Tinni29

2 months ago

Response from developer

Thank you for reaching out. Visit our Insta Assist link: https://rules.nivabupa.com/customer-service for quick resolutions. If your query isn’t listed, scroll down, enter your registered phone number, and submit your policy details. You’ll get an SR number once done, and our team will follow up. Regards, Aarav

More information related to policy

I see couple of information like some accumulated from last couple of years is not showing the features of the current policy should be displayed in the app. The features or whatever the Rider plans are available. Those information should be available to user during the purchase of the policy or whatever the information is showing under the policy mobile mobile app. It should be transparent to provide all such kind of information for betterment of the insurance policy information. Thank you.

ravi2801

2 months ago

Response from developer

Thanks for reaching out! Get quick help on our Insta Assist page: https://rules.nivabupa.com/customer-service. If you don’t see your issue listed, scroll down and submit a request using your registered mobile number. Share your policy details to receive an SR number, and our team will contact you. Regards, Charmi

Worst app and service

SynghN

3 months ago

The worst service you can ever get

I had a very disappointing experience with the Niva Bupa app and their overall service.
First of all, their app and website are extremely poorly designed. The interface is confusing, slow, and full of technical glitches. For a company that deals with health insurance something so important you would expect a smooth and reliable digital experience. Unfortunately, that’s not the case here. Even worse than the app is their customer service. It is very difficult to get proper support. Calls are either kept on hold for a long time or transferred multiple times without any clear resolution. The responses from support representatives often feel scripted and unhelpful. Instead of solving issues, they tend to give vague answers or ask you to check the same broken app again.

Email responses are delayed, and in some cases, there is no proper follow-up. When customers are already stressed about medical or policy-related issues, the last thing they need is poor communication and lack of accountability.
Overall, the experience feels frustrating and unprofessional. A company handling health insurance should prioritize efficiency, clarity, and strong customer support — but sadly, this has not been my experience.
I genuinely hope they improve their app performance and train their support team better, because right now the service quality is far below expectations.

Sree22666

5 months ago

Response from developer

Worst insurance option

If I could give zero stars, I would. This company is a complete fraud. They are quick to take your premiums and make big promises, but the moment you actually need the protection you paid for, they disappear.

I have been dealing with a claim that has been met with nothing but "silly," baseless reasons for denial. To make matters worse, their "resolution" process takes a grueling 30 days, leaving customers in the lurch while they hold onto your money.

They are essentially looting their customers by hiding behind fine print and intentional delays. Do yourself a favor and stay far away from this insurance provider. Choosing anyone else would be the best decision you could make. Save your money, your time, and your sanity—look elsewhere.

Dev Vicky

6 months ago

Response from developer

Thank you for getting in touch. For quick resolution, please visit our Insta Assist page: https://rules.nivabupa.com/customer-service. If your concern isn’t mentioned, scroll down and raise a request using your registered mobile number. You’ll receive an SR number and our team will contact you shortly. Regards, Keshav

App sucks

I did UPI payment, amount was deducted from my bank account but app didn’t reflect my payment and still shows that I am due for payment

Pampanadilip

6 months ago

Response from developer

Thank you for reaching out. Visit our Insta Assist page: https://rules.nivabupa.com/customer-service for quick solutions. If your issue isn’t listed, scroll down and submit a request using your registered phone number. Share your policy details to receive an SR number, and our team will connect with you. Regards, Aarav

Trustfull Partner In Health

I was hospitalized for an appendicitis surgery for 2–3 days, and honestly, Niva Bupa made a stressful situation completely worry-free. The hospital bill was around ₹1.5 lakh, and I only paid ₹1. Every other rupee was settled by the insurance team directly with the hospital.

I didn’t have to argue, follow up, or even worry about approvals. They didn’t disturb me with calls, and everything was handled quietly and smoothly in the background while I focused on my surgery and recovery.

At a time when you’re scared and vulnerable, this kind of support really matters. This experience genuinely restored my trust in health insurance.

_im_vk

6 months ago

Response from developer

Hello, thank you for the 5-star review! We appreciate your support and are delighted you had a positive experience. Please get back to us in case of any further assistance! Regards, Keshav

Mr

Sooraj Sukumaran

6 months ago

Waste insurance company

No customer support and after payment policy was not issued and payment also not refunded its almost 60works completed don’t take any policy in niva bupa one of the waste company no customer support

Niva bupa waste

6 months ago

When an EMI Waiver becomes a health claim in NIVA BUPA’s world? haha…

I am submitting this feedback regarding my insurance claim under the Group Express Health Product policy with Niva Bupa, which was wrongly declined. The reason stated by Niva Bupa was that the claim was “used by another source for claiming insurance,” which clearly shows a complete lack of understanding of my claim.

The staff at Niva Bupa do not seem to understand the purpose of my policy or even bother to read it properly. This reflects extremely poor and unprofessional handling of claims. My claim was not submitted for health or medical bills. It was clearly requested under the EMI Protector / EMI Waiver benefit, specifically for my car loan EMI, as covered under the above-mentioned policy.

I already have a separate health insurance policy for medical expenses. I do not require Niva Bupa for health claims. My sole intention was to claim the car loan EMI waiver, which is the benefit provided under this policy.

It is disappointing and unethical that the Niva Bupa staff handling my case do not understand the policy type or the nature of my claim. I strongly feel that my claim was rejected without proper review or basic knowledge of the policy terms.

Jayaprakash Kanukuntla

7 months ago

Response from developer

Thank you for reaching out. Visit our Insta Assist page: https://rules.nivabupa.com/customer-service for quick assistance. If your concern isn’t listed, scroll down and submit a request with your registered mobile number. Once submitted, you’ll receive an SR number and our team will follow up. Regards, Charmi

Worst service

Worst services for annual health care check up sending unorganized lab technicians & laboratories

J Vijaya

8 months ago

Response from developer

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-4432. Our team will soon get in touch with you. Regards, Charmi

Service- getting policy

Excellent to start with 😎 was referred by HDFC Br Manager (Cherpulassery)Mr Vijay and cluster relations manager Mr Harish called and visited- explained in detail- without forcing 👁 within a day it’s processed without any hassles - so to start with - EXCELLENT Service at its best hope can get the same

Mkutt

8 months ago

Extremely disappointed with the service

I have been holding a health policy for the last three years, and despite my regular renewals, the company has still not corrected my son’s name in the policy. I have submitted all the required documents multiple times and have contacted customer care again and again. But every time, they fail to correct the spelling.

The service is extremely poor and unprofessional. I have spent so much of my time and money calling customer care, but still no solution. This is very frustrating and disappointing.

I request the company to take this matter seriously and correct my son’s name as per the documents immediately. A health policy is an important document, and such negligence is unacceptable.

Aman*87

8 months ago

Response from developer

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-4318. Our team will soon get in touch with you. Regards, Aarav

Worst health insurance.

I have this insurance, and the reimbursement process is the worst. It has been 90 days, and I still haven’t received my reimbursement despite providing all the necessary documents.

The customer service is the worst of all — they don’t even know the status of my application or why it is getting delayed. Whenever I ask them to transfer the call so I can speak to a higher authority, they say they cannot do that. Till now, I have had more than 20+ tickets created and 10+ grievances raised, but none of them have helped.

My suggestion: If you’re planning to buy insurance, please don’t make the mistake I did. Do not choose Niva Bupa Health Insurance.

Sharu_H

8 months ago

Just to update policy details

Waste of taking this kind of policy their many other best policy in the market rather than this you can take local insurance but not this kind of insurance no reposne they directly close the serivice request with out any intimation for you any when we raise a new ticket again they willl close it with out any intimation to you it’s waste of our money and time to this kind of policy waste of money for just updating documents they are taking more than 2 weeks when it comes to claim I can eve imagine the things waste no1 words health insurance policy is Niva Bupa only for makeing payments they will call you as many as they will revive money after that their would be no reposne at all

Jeswanth reddy

9 months ago

Response from developer

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-4202. Our team will soon get in touch with you. Regards, Aarav

Wrong service

Actually I tried to start a plan with Niva Bupa a sales person messaged me for the details and I asked her about the details and suitable plans, same time she transferred my number to her manager with my permission. Then I got a message from that manager and asked the same procedure questions I also replied the same needs. Actually I don’t know anything about the insurance and I said that. But their response is like super slow… I thought why should I get this kind of service, in future they will respond the same way when I need an emergency help. So it’s just my experience at the beginning stage. Thanks to Niva Bupa team showing the red flag at the beginning.

Om Prajeesh

9 months ago

Health check up

Easy to understand and complete book check up

Sunil Saraogi07

9 months ago

Response from developer

Hi, we appreciate your kind words and are delighted to hear that you found our assistance valuable, please feel free to contact us if you require any additional help. Stay safe and have a wonderful day! Regards, Aarav

Worst Insurance Experience Ever – Total Scam!

I renewed my policy on 3rd September, paying ₹32,400 — that’s ₹12,000 more than last year — just to avoid any last-minute issues and continue my benefits. But guess what? It’s 8th October today, and I still haven’t received any renewal confirmation or policy document.

Every year, they hike the premium by 8–10K, and yet their service keeps getting worse. I’ve followed up over 30 times, and every single time I get the same fake response: “Please wait till tomorrow.” Tomorrow never comes!

This company is running a scam — they delay renewals for months so that customers can’t claim during medical emergencies. They happily take your money but vanish when it comes to service or accountability.

Absolutely pathetic, unprofessional, and unethical behavior. I deeply regret renewing my policy with them — if you value your peace of mind, stay far away from this company!

Priyanka Nikhil Cheke

10 months ago

Worst Insurance service

I have taken health insurance for my parents, i was promised the insurance will be issued in 2 days and also i had to pay a loading amount, i was told i well be getting payment link by day 2 and policy will be active from day 3... even after 10 days i didn't get any proper update... every day i reach out to the person (Nadeem), he kept telling tomorrow , day after tomorrow etc etc... at the end we were fed up with his lies and false promises and cancelled the policy... i had so many options in September but i went ahead with this guy believing his words and lost all my other discount options and left with no policy and increased premium for other policies now... Felt pathetic for trusting Niva bupa... never considering it again and never gonna recommend to anyone

Anonymous_sha

10 months ago

Response from developer

We highly value your feedback and would appreciate it if you could share your issue and policy details at Grievance.social@nivabupa.com with the subject line as this verification code NBHI-4023. Our goal is to address your concerns and improve our services. Regards, Keshav

Step count sync issue

Such a worst app, all my step counts are displayed wrong. It’s too frustrating that the steps counts just get wiped out. Looks like it ensures you won’t get the discount and you have to pay complete premium. Customer Service is not much active with the resolution. Insurance should not be marketed for step counts discounts if the app is not working as expected.

Rakesh00700

10 months ago

Response from developer

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-3976. Our team will soon get in touch with you. Regards, Charmi