# Niva Bupa Health — user reviews > 126 indexed App Store user reviews of Niva Bupa Health by Niva Bupa Health Insurance Company Limited, rated 4.70/5 from 529 ratings. - Source: https://appshunter.io/ios/app/niva-bupa-health/id1383647191/reviews - App overview in markdown: https://appshunter.io/ios/app/niva-bupa-health/id1383647191.md - Rating breakdown: 5★ 440 · 4★ 50 · 3★ 11 · 2★ 9 · 1★ 19 ## What do users think of Niva Bupa Health? Overall sentiment: negative **Pros** - 👍 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 **Cons** - 😞 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 **Commonly reported bugs** - Step count resets to zero daily - Step count syncing issues with health apps - App crashes when downloading policy documents - Login OTP not received - Policy not recognized after renewal - App freezes and takes excessive time to load - Health checkup centers not displaying on app - Insta Assist and Cashless hospital functions showing 406 errors - App crashes on recent updates - Incorrect step count calculations (undercounting by 90%) - App doesn't sync with Apple Health - Payment links not sent after policy purchase - Multiple login attempts required for access - Renewed policy showing as expired in app - Unable to add policies to dashboard - App not recognizing policy numbers from logged-in account **Most requested features** - Family member mobile number login option for joint policies - Apple Wallet digital card integration - Policy package details in tabular format - Dedicated email support channel - Payment renewal option directly in app - Multiple login capability for family members - Better step count sync with health apps - Improved annual health checkup booking system - Manual policy addition for corporate policies - Real-time claim status updates - Senior citizen support in local languages ## Newest reviews (15 of 126) ### 4/5 — It does not deserve 4 stars *2026-07-30* * Extremely disappointed and dissatisfied with the way my genuine claim has been handled from start to finish. * BHS Lakeview was listed as a Cashless Network Hospital, yet due to disputes between Niva Bupa and the hospital, cashless treatment was denied during a medical emergency. Policyholders should not suffer because of internal disputes. * Despite my mother suffering from severe abdominal pain, continuous vomiting, inability to retain food or even water, and being diagnosed with intestinal malrotation of the bowel loops, the claim was rejected after nearly two months instead of being settled promptly. * My previous genuine claim was also repeatedly rejected. However, immediately after legal intervention, Niva Bupa approved it within days. This raises serious concerns about the fairness and consistency of the claim assessment process. * This experience has completely eroded my trust in Niva Bupa’s cashless network and claim settlement process. I cannot recommend Niva Bupa based on my experience and strongly urge the company to improve its customer service, transparency, and claim handling practices. ### 4/5 — More information related to policy *2026-05-11* 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. **Developer response:** 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 ### 1/5 — Extremely disappointed with the service *2025-11-17* 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. **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-4318. Our team will soon get in touch with you. Regards, Aarav ### 1/5 — Worst health insurance. *2025-11-14, version 5.9.3* 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. ### 1/5 — Just to update policy details *2025-11-07* 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 **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-4202. Our team will soon get in touch with you. Regards, Aarav ### 1/5 — Wrong service *2025-10-30, version 5.9.3* 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. ### 1/5 — Worst Insurance Experience Ever – Total Scam! *2025-10-08, version 5.9.3* 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! ### 1/5 — Worst Insurance service *2025-10-01* 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 **Developer response:** 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 ### 1/5 — Step count sync issue *2025-09-27* 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. **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-3976. Our team will soon get in touch with you. Regards, Charmi ### 1/5 — Never book test on Niva bupa *2025-09-10, version 5.9.2* These people have no sense of urgency nor any professionalism. My dengue NS1 report which is so time sensitive to deliver was given to Niva same day by the lab, but Niva bupa refuses to give it to me citing some internal BS process and to wait 72!!! Hours. Freaking 72 hours in dengue strain test case where you already have report??? I tried and tried to request lab to give me the report but they said they aren’t authorised by Niva to give customer the report. The money for booking test is completely wasted and my report is being held for no reason. This company is so idiotic. ### 1/5 — Cashless treatment *2025-08-31, version 5.9.1* Don’t buy health insurance . Poor management and poor service . My father admit in hospital for emergency operation due to fracture in hand and Hip fracture and still waiting for cashless approval last 28 hour guys don’t buy it health insurance. So many tiniest call customer care and email and they responding our service staff available at morning 9 am and again we call at 10 am again respond our staff come at 10 am and your cashlesss will be approve soon. ### 1/5 — Not clearing the cash less claims on time *2025-08-30* I am extremely disappointed with Niva Bupa Health Insurance's handling of my claim. Despite waiting over 30 hours for a cashless claim approval, they still have not approved it and are now asking me to wait an additional 10 hours. This level of delay and lack of responsiveness is unacceptable, especially during a time when I needed prompt assistance. Their customer service has been unhelpful and non-transparent, leaving me in a difficult situation. I expected better service from a reputed insurance provider, but unfortunately, my experience has been frustrating and unsatisfactory. I strongly advise others to reconsider before trusting Niva Bupa with their health insurance needs. Finally, after 48 hours, they denied my cashless approval based on some trivial reason, even though they had initially approved the treatment. We had already proceeded with the treatment, and the final bill amounted to 16 lakhs. If they hadn't granted the initial approval, we should not have gone ahead with such an expensive procedure. We are now in a very difficult situation, struggling to pay this large sum to the hospital. **Developer response:** Hi Anil, 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-3727. Our goal is to address your concerns and improve our services. Regards, Jeh ### 1/5 — Never helps *2025-08-19, version 5.7.8* The app is such a waste of money. Nothing in the app works. For every action they redirect to the site which doesn’t work. The chatbot is another waste of money keeps running in loop. Nice way of query deflection by the way. The claim page doesn’t work and I don’t know why there is no human help even in the case of claims. They make customers run in loop via IVRs and chat bots. The human help never arrives. Very bad user experience the app doesn’t have any purpose. Your claim settlement is very bad. It has been more than a month now my claim has not been settled yet. They have been asking for the same docs again and again and don’t give detailed descriptions or requirements. ### 1/5 — Steps did not sync up *2025-08-13* Steps from the previous days are not shown on the App. My total step count resets to zero every day. **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-3633. Our team will soon get in touch with you. Regards, Aarav ### 1/5 — Unable to login *2025-07-18, version 5.7.7* I expect better from a leading health insurance provider like Niva Bupa. It’s frustrating that I can’t even log into the app to view my policy details. Every other app on my phone works fine, but this one simply fails to send the OTP or recognize valid credentials. How are customers supposed to access essential health insurance information during an emergency? This isn’t just an inconvenience—it’s a serious issue that undermines trust in the brand. The app has been like this for weeks with no fix or proper support. If Niva Bupa wants to be taken seriously in the digital age, it must invest in a functional and reliable app experience. Extremely disappointed! ## Most critical reviews (10 lowest-rated) ### 1/5 — Scam company *2026-08-14* Stay away from this company..they don’t pay your bills for hospital treatment..be careful guys ### 1/5 — Pathetic *2026-05-26* 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. **Developer response:** 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 ### 1/5 — Worst app and service *2026-05-01, version 5.9.7* Worst app and service ### 1/5 — The worst service you can ever get *2026-02-18* 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. **Developer response:** 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, Keshav ### 1/5 — Worst insurance option *2026-02-05* 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. **Developer response:** 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 ### 1/5 — App sucks *2026-01-31* 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 **Developer response:** 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 ### 1/5 — Mr *2026-01-12, version 5.9.5* Sooraj Sukumaran ### 1/5 — Waste insurance company *2026-01-10, version 5.9.5* 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 ### 1/5 — When an EMI Waiver becomes a health claim in NIVA BUPA’s world? haha… *2025-12-20* 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. **Developer response:** 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 ### 1/5 — Worst service *2025-12-07* Worst services for annual health care check up sending unorganized lab technicians & laboratories **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-4432. Our team will soon get in touch with you. Regards, Charmi ## Most praised reviews (10 highest-rated) ### 5/5 — Trustfull Partner In Health *2026-01-25* 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. **Developer response:** 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 ### 5/5 — Service- getting policy *2025-11-20, version 5.9.3* 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 ### 5/5 — Health check up *2025-10-26* Easy to understand and complete book check up **Developer response:** 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 ### 5/5 — Very good service *2025-08-30, version 5.9.1* Fast approval and good hospitality ### 5/5 — Worst Insurance Policy *2025-08-02, version 5.7.8* Could you please answer.. Are you providing cashless mediclaim for high class hospital only or where cashless mediclaim are supported….??? From last 3 days I’d been admitted in hospital due to malaria and typhoid positive. And Hospital send a mail with proper reports and documents to Niva Health insurance for mediclaim.. And they replied it was found that there is no active line of treatment.. And I’d talk with niva health insurance person he said you’ve to admit in high class hospital They are not trusted in small hospital even where cashless also supported..that’s why I’m asking to you Niva Health Insurance providing cashless mediclaim for high class hospital only or where cashless mediclaim are supported….??? Could you please explain what actually wants.?? ### 5/5 — Sick of customer support 😡 *2025-03-15, version 5.7.3* I have been trying to renew my existing policy from last few days and there is no way I could get connected to the company. The app doesn’t work whenever I tried to resolve my query. Got couple of calls from customers service and they said, the payment link will come in few minutes but nothing came. Thinking of porting my policy 😡 ### 5/5 — Superb Interface *2024-12-01, version 5.5.6* Nice interface. Great features. No issues faced till now. Great policy features. As a suggestion, There should be an option to add mobile numbers of insured persons from family in case of family floater policies, so that they can also login from their phones and access policy details. It would be nice if you could implement this soon. Thank you. ### 5/5 — Excellent Service & Awesome Support *2024-11-29, version 5.5.6* The best health insurance currently available in our country…”A Cut Above The Rest”. Received an excellent support from the Niva Bupa Team during all our hospitalisation. Very happy and proud that we chose Niva Bupa…We as a family are in safe hands…Thank you so much from the bottom of our heart for your outstanding support which really avoided our unexpected financial drain and stress…We urge to be with your team for ever…Love, Sarath, Deepa and Anupam”🙏💚🙏” ### 5/5 — Annual health checkup *2024-11-10, version 5.5.5* I have been trying to book annual health check up vitality A but unable to book it i select vitality A than it takes me to select location and than select hospital ,once i select hospital it shows no slot available without asking me date when i want to book the test ,complaint about this to niva bupa bhopal centre also but not resolved till date ,please fix this bug in you app ### 5/5 — No response or inability of the staff to understand simple query *2024-09-14, version 5.5.3* Extremely poor response. All stereotypical response. Medical transcript is not transferred to policy document correctly. Not sure if staffs facing customer has adequate knowledge and attitude to understand and respond. App does not have option to ask query for upgrade during renewal. Zero human touch. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-02.*