Archive · 6 Sep 2025
Niva Bupa Denies Claim Denial Allegations by Policyholder
A man named Chandra Kumar Jain, with a ₹2.40 crore health insurance policy, had a ₹61 lakh cashless claim allegedly denied by Niva Bupa.
The insurance advisor shared this.
The insurance company says they haven't denied the claim and have already paid ₹22.72 lakh from previous claims, for the same patient.
The initial estimate for Jain's bone marrow transplant was ₹25 lakh, but the hospital increased it to ₹61 lakh and later ₹80 lakh.
Niva Bupa approved the initial amount and is questioning the increase.
The company maintains that they haven't denied the claim and the final amount will be determined later.
A health insurance advisor alleged Niva Bupa denied a ₹61 lakh cashless claim for a patient.
The patient, Chandra Kumar Jain, is undergoing treatment for Myeloid Leukaemia.
Niva Bupa stated it has paid ₹22.72 lakh for previous claims and denies the claim was denied.
The insurer initially approved a ₹25 lakh pre-authorization.
The hospital increased the treatment cost, leading to questions from the insurer.
- Who
- Chandra Kumar Jain and Niva Bupa Health Insurance.
- What
- Allegations of a denied cashless claim versus the insurer's denial of those claims.
- When
- Jain was admitted in July, and the policy started in November 2021.
- Where
- Mumbai, India.
- Why
- Disagreement over a cashless claim for medical treatment, with the insurer questioning the increased cost of treatment.
- Patient
- Chandra Kumar Jain
- Hospital
- Sir HN Reliance Foundation Hospital, Mumbai
- Policy Amount
- ₹2.40 crore
- Claim Amount Denied (Alleged)
- ₹61 lakh
- Amount Paid by Niva Bupa
- ₹22.72 lakh (in previous claims)
- Initial Approved Pre-authorization
- ₹25 lakh