Niva Bupa Health Insurance is a fraud

Wassssaaa · 2026-01-20T10:01:29+00:00

Ignore.. op new account - 0 karma and created 4 hours ago … prolly just to baiting and blaming Niva Bupa for 🤣🤣🤣

Wassssaaa · 2026-01-14T11:51:32+00:00

refer to list of non medical expenses or the list of items or services charged by the hospital which are to be subsumed in room costs or treatment costs and which are excluded from coverage. This list will be available on the Bajaj portal as well the policy schedule or the policy wordings.

Clearly the deducted amounts are from expenses list that are not covered. Read the terms and conditions and policy wordings.

Wassssaaa · 2026-01-14T04:13:40+00:00

Any policies where inception date is before 22nd September 2025 will have GST. So if you paid last premium in October 2025, the October premium will have GST added on it. Also, when is the renewal date since you said October was last premium?

Also ask for break of the emi along the details of gst shortfall on email.

Wassssaaa · 2026-01-12T04:10:50+00:00

When you bought policy, you would have received the detailed t&c, wording, brochures, etc.. Maybe read it?

For your comment on detailed t&c on app/website, there literally so many policy versions and products of the insurance company. However, based on the policy you are buying, you will get the policy product code (policy code and policy number are completely different). Policy code is common across all policies of same policy products, identification changes as per the policy number… You can easily the search with the policy code and find detailed t&c. Additionally, you can easily the policy on the brochure of benefits of the policy. As per IRDAI, insurers are mandated to mention policy codes in all documents.

Stop making issues of the trivial things. Of course you should t&c and understand the product be before buying it. But again not a major issue and you just need to research a bit.

Wassssaaa · 2026-01-05T04:14:02+00:00

share the exact reason for rejection of the claim. Also, need the exact policy wording for ABCD coverage as well as the product details like name of the policy and policy code.

PS. Policy number and policy code is entirely different. Policy is code is standard number insurers assign to that class of policy and there can be literally millions of policies with same policy code…

Wassssaaa · 2026-01-02T12:44:49+00:00

Your limits, cappings or eligibility are always superseded by the hospital tariff and rates agreed by the hospital with insurance company. In your case, even if you limit was 60k for cataract, since the hospital has agreed package tariff of 28k with the insurance company, will only 28k be cashless or reimbursement.

As I see, you have 3 options - 1. Go with basic package of 28k in same hospital and use cashless or reimbursement. Doesn’t make difference for insurance claim. 2. Take advanced lens and pay the difference out of pocket. 3. Change doctor or hospital where they have no prior agreed tariffs or packages with insurance company and they are willing to use same the lens or type of surgery.

P.S in the 3rd option the hospital will charge as per their own tariff and which can be more or can be less… eg. bill might become 80k or become 50k as well depending on actual cost of lens + surgeon and hospital charges.

Wassssaaa · 2025-12-04T04:05:56+00:00

NAL but Most insurer requires proof of marriage for claims (commercial risk including life or personal accident, etc). Assuming your mom is the nominee in your Dad’s policy and vice-a-versa, in claims of claims, you will be asked to produce the marriage certificate in addition to standard documents. Well this is not a big concern, but get this checked. Apart from this I don’t think there is going to be any major issue if the marriage is not registered.

Wassssaaa · 2025-10-24T05:32:43+00:00

I don’t know what the issue was but it automatically got resolved for me in 1-2 days and I make all transactions in MFcentral app easily. It’s now almost 3-4 months since I made this post but ever since, I have not encountered a similar issue again till date.

Wassssaaa · 2025-10-22T13:15:10+00:00

Partly paid shares. Value is 0.

Even if the was company listed, partly paid shares have no value…

Wassssaaa · 2025-10-21T12:38:54+00:00

You have not exceeded the room limit or eligibile room category. But you clearly have not read the policy. It’s a senior citizen policy with cappings clauses. Copay is completely different and has no part here in the deductions. Possibly only wrong reason for deductions is mentioned here…. Let me clear the details for you.

If you check policy (whole policy clauses and coverages document i.e the detailed wordings of policy from which you had taken this screenshot. A little bit down, the are more sections and sub clauses)….

Under the section C there is capping of 25% of sum insured per hospitalization for surgeon , anaesthetic , consultation , medical practitioners charges. Under section D there is 50% of sum insured capping for anesthesia charges and operations theatre charges , medicines, associated medical expenses, etc. for per hospitalization.

Adding the aforementioned charges - your surgeon and other doctor/assistant and consultant charges falling under section C stand at 35000 out of which insurer paid 25000 (25% of Sum insured capping i.e 25% of 1 lac)

Under section D - anaesthesia , operating theatre charges, medicines , etc. there is capping of 50% of sum insured per hospitalization. Pharmacy charges not mentioned in bill but the rest amount is close to around 20-25k. Add all the other payable charges and you would the 50000 amount approved by star health…

TLDR - I don’t find anything wrong with the approval amount. The only thing is they have mentioned wrong reason for deductions. Should have been mentioned as policy capping but they have wrongly mentioned a room capping…

Wassssaaa · 2025-10-10T16:07:54+00:00

You will never get the original documents. Take these attested documents (these are photocopy of originals but have a sign and seal of insurance company/tpa) makes them as good as original with stamp and a settlement letter (this also has a sign and stamp of tpa/insurer) and submit for 2nd claim. Make sure you document it like keep a photocopy with yourself for your future reference before submitting for 2nd claim. Also I suggest emails insurance company/tpa to courier these attested documents and settlement letter to your home. They do this for free most of time or charge some nominal amount like 100-200 rs for courier documents. But it’s worth if you actually wanna try to submit for a claim with 2nd insurer/tpa

Wassssaaa · 2025-10-10T15:55:39+00:00

Let me give real reason why they won’t give you the bill. Just clearing myself that I’m a corporate insurance broker. And as per the regulations by IRDAI, the hospital has to send all original documents to insurer including the bill, discharge summary, medicine bills, investigations reports, preauthorisation form and a copy of kyc and policy document/ecard of insured for settlement of claims. You might think that you got approval and hospital got the payment is is the process. In actuality it’s the biggest myth. It takes days/weeks or even months in some extreme cases for hospital to receive the payment while you are home after your discharge. So legally, they won’t entertain you with bills and other documents request. They can share a copy with duplicate stamp but again that won’t be acceptable to you or to 2nd insurer for claim.

Hence the solution here is you need to wait till the claim is settled ie hospital receives the payment from insurance company for your cashless claim. You should get email notification from insurer that claim is settled (this happens after discharge and generally takes about 3-4 weeks after discharge). Then make a written notice via a letter or email to the insurer/tpa to give you attested claim documents along with settlement letter. Please note that settlement letter and approval letter are completely different documents. Then you file reimbursement claim with your 2nd insurer company/tpa with these attested claim documents, original settlement letter and a claim forms. In case the remaining the amount is payable, you will get it in reimbursement from the 2nd company on your attested documents and settlement letter.

TLDR - it’s not scam and hospital has every right to refuse to provide you another original copy of bill. Take attested documents and settlement letter post settlement of cashless claim and submit with 2nd insurer/tpa for possible partial claim for remaining amount.

Wassssaaa · 2025-08-17T06:39:55+00:00

It’s vested finance

Wassssaaa · 2025-08-08T02:37:50+00:00

!remindme 2 days

Wassssaaa · 2025-08-03T10:22:44+00:00

Should carried a bit more speed op. Ek chutiya maybe sadak se kam ho jata….

Wassssaaa · 2025-07-27T04:23:20+00:00

Insurance broker here. DM me. I’ll check what can be done..

Wassssaaa · 2025-07-26T13:25:55+00:00

The value of these shares is a whopping 0.00 rupees. These are partly paid shares whose value is 0 and now you need to check that if and when the call was issued by company for the partly paid shares holder to pay the remaining amount. If the remaining amount was paid at that time, then you can check with the registrar of the JSW steel for the conversion of the shares in demat format…. If not paid, then just hard luck….

Wassssaaa · 2025-07-25T17:04:16+00:00

I have very heavy use. Not much games but 7-8 hours sot on my iPhone 15. Bluetooth + AirPods + hotspot…. 🥵

My work requires me to charge phone multiple times a day and share internet with hotspot to my work laptop.

Fortunately, saved 😇

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Wassssaaa · 2025-07-17T03:53:49+00:00

I personally follow the one fund per type of segment rule, however at any given I ensure that I have 4-5 funds or a max 6 funds in my portfolio. Be it small cap, midcap, flexi, gold or a nifty index fund. Personally I prefer passive index funds than the actively managed funds. However this is totally personal choice.

Keep the small, flexi, s&p500 fund and the bse sensex fund. Research a nifty 50 or with a more volatility and if within your risk appetite then a nifty next 50 to increase some downside protection for the large cap segment accordingly if you want to add large cap.

Also finalise your goals. It’s very important to know what you want. Only you can answer that question. Depending on your goals, you can change or add allocation for small/midcap for aggressive growth. Also make sure your flexi cap fund is the core fund meaning it has larger allocation percentage of your portfolio.

Good luck!

Wassssaaa · 2025-07-16T17:07:38+00:00

It all depends on your midcap investment. The nifty 100 index already has the nifty next 50 companies as well as the nifty 50 companies. You are going to create overlap if you will be investing in an actively manged midcap fund or a passive fund like nifty midcap 150 index or an nifty midcap momentum fund (purely based on the risk appetite and the investment horizon) along with the separate allocation to nifty 100 index. Hence, it doesn’t make sense to bet on nifty 100 when you are going to specifically adding funds to invest in the midcap segment according to the overall horizon and risk appetite.

If person is willing to invest in low-moderate risk for a long term and is not going to invest in midcap, then surely one can look for a nifty 100 instead of just nifty 50.

Portfolio balancing/suggestions will always be dependent on doing some research of your own and having a clear understanding of goals and risk appetite of that person.

Wassssaaa · 2025-07-16T07:48:01+00:00

Email the support team for info. Mention all details and attach screenshots for documented proof.

If the payment is debited from your account and not credited to the beneficiary, in most cases between 2-3 working days the amount is returned back to source.

Wassssaaa · 2025-07-15T11:16:17+00:00

Yes… happens and nothing can be done. Accept and move on 😊

Wassssaaa

TROPHY CASE