{"insurer":{"slug":"niva-bupa-health-insurance","name":"Niva Bupa Health Insurance Co Ltd."},"issue":"other","issue_label":"Something else","rule":"An insurer must acknowledge a complaint at once and resolve it within 14 days, giving reasons with reference to the policy terms if it does not accept it.","rule_law":{"title":"IRDAI Master Circular on Protection of Policyholders' Interests, 2024","ref":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},"state":null,"steps":[{"n":1,"title":"Write to Niva Bupa Health Insurance","when":"First. The insurer must reply within 14 days.","what":"Send a written complaint (e-mail is fine) with your policy and claim numbers and copies of the documents. Ask for a resolution of the problem described above. Keep the acknowledgement and its reference number.","contacts":[{"purpose":"customer-care","channel":"phone","value":"1860-500-8888","label":"Customer helpline number","level":null,"hours":null,"applies_to":"all","source_url":"https://transactions.nivabupa.com/pages/grievance-redressal.aspx","quote":"e Redressal\nStewardship Policy\nInvestor Relations\nDownload Center\nGlossary\nStep 1:\nCalling the Customer helpline number\n1860-500-8888\nor\nVisit Insta Assist on our Website at\nhttps://rules.nivabupa.com/customer-service/\nor\nSenior citizens may write to us","fetched_at":"2026-10-20"},{"purpose":"customer-care","channel":"url","value":"https://rules.nivabupa.com/customer-service/","label":"Insta Assist on Website","level":null,"hours":null,"applies_to":"all","source_url":"https://transactions.nivabupa.com/pages/grievance-redressal.aspx","quote":"load Center\nGlossary\nStep 1:\nCalling the Customer helpline number\n1860-500-8888\nor\nVisit Insta Assist on our Website at\nhttps://rules.nivabupa.com/customer-service/\nor\nSenior citizens may write to us at\nseniorcitizensupport@nivabupa.com\nfor priority assistance.\nCustomer may also visi","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"email","value":"seniorcitizensupport@nivabupa.com","label":"Senior citizens grievance email","level":null,"hours":null,"applies_to":"all","source_url":"https://transactions.nivabupa.com/pages/doc/prospectus/Health_Plus-(V4)-Prospectus.pdf?v=1.0","quote":"us | through | our | service | platform\nhttps://rules.nivabupa.com/customer-service/ Senior citizens may write to us at:seniorcitizensupport@nivabupa.com\n\nb) lnsured person may also approach the grievance cell at any of the company's branches with the details of grievance","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"phone","value":"1860-500-8888","label":"Customer Care no for grievance","level":null,"hours":null,"applies_to":"all","source_url":"https://transactions.nivabupa.com/pages/doc/prospectus/Health_Plus-(V4)-Prospectus.pdf?v=1.0","quote":"ix Infotech Park opp. Metro Station, Sector 59, Noida, Uttar Pradesh, 201301\nFax No.: +91 11 41743397\nCustomer Care no: 1860-500-8888\nEmail | ID: | Email | us | through | our | service | platform\nhttps://rules.nivabupa.com/customer-service/ Senior citiz","fetched_at":"2026-10-20"}],"law":[{"title":"IRDAI Master Circular on Protection of Policyholders' Interests, 2024","ref":"Sec 1, Part A, VI.1 and VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"n":2,"title":"Escalate to Niva Bupa Health Insurance's Grievance Redressal Officer","when":"If there is no reply in 14 days, or you do not accept it.","what":"Forward your first complaint and its reference number, and say why the reply does not resolve it.","contacts":[{"purpose":"grievance","channel":"url","value":"https://rules.nivabupa.com/customer-service/?page=grievance","label":"Grievance Redressal platform","level":2,"hours":null,"applies_to":"all","source_url":"https://transactions.nivabupa.com/pages/grievance-redressal.aspx","quote":"load Center\nGlossary\nStep 1:\nCalling the Customer helpline number\n1860-500-8888\nor\nVisit Insta Assist on our Website at\nhttps://rules.nivabupa.com/customer-service/\nor\nSenior citizens may write to us at\nseniorcitizensupport@nivabupa.com\nfor priority assistance.\nCustomer may also visit us at any of","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"address","value":"Niva Bupa Health Insurance Company Limited\nD-5, 2nd Floor, Logix Infotech Park opp. Metro Station, Sector 59, Noida, Uttar Pradesh, 201301","label":"Grievance Redressal Officer office address","level":null,"hours":null,"applies_to":"all","source_url":"https://transactions.nivabupa.com/pages/doc/prospectus/Health_Plus-(V4)-Prospectus.pdf?v=1.0","quote":"nce the insured person may contact the company through:\nWebsite: www.nivabupa.com Courier: Customer Services Department\nNiva Bupa Health Insurance Company Limited D-5, 2nd Floor, Logix Infotech Park opp. Metro Station, Sector 59, Noida, Uttar Pradesh, 201301\nFax No.: +91 11 41743397\nCustomer Care no: 1860-500-8888\nEmail | ID: | Email | us | through | our | service | platform","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"email","value":"GRO@nivabupa.com","label":"Grievance Redressal Officer escalation email","level":null,"hours":null,"applies_to":"all","source_url":"https://transactions.nivabupa.com/pages/doc/prospectus/Health_Plus-(V4)-Prospectus.pdf?v=1.0","quote":"re/health-services/grievance-redressal.aspx\nIf the Insured person is not satisfied with the above, they can escalate to GRO@nivabupa.com.\nlf lnsured person is not satisfied with the redressal of grievance through above methods, the insured person may also","fetched_at":"2026-10-20"},{"purpose":"gro","channel":"url","value":"https://rules.nivabupa.com/customer-service/?page=grievance","label":"Grievance Redressal Officer (GRO) contact","level":3,"hours":null,"applies_to":"all","source_url":"https://transactions.nivabupa.com/pages/grievance-redressal.aspx","quote":"load Center\nGlossary\nStep 1:\nCalling the Customer helpline number\n1860-500-8888\nor\nVisit Insta Assist on our Website at\nhttps://rules.nivabupa.com/customer-service/\nor\nSenior citizens may write to us at\nseniorcitizensupport@nivabupa.com\nfor priority assistance.\nCustomer may also visit us at any of","fetched_at":"2026-10-20"}],"law":[]},{"n":3,"title":"Register on Bima Bharosa (IRDAI)","when":"Any time; it tracks your complaint against the insurer.","what":"Register the complaint on IRDAI's portal; the insurer's grievance system is linked to it.","contacts":[{"label":"Bima Bharosa (IRDAI grievance portal)","channel":"url","value":"https://bimabharosa.irdai.gov.in/","source_url":"https://bimabharosa.irdai.gov.in/"}],"law":[{"title":"IRDAI Master Circular on Protection of Policyholders' Interests, 2024","ref":"Sec 1, Part A, VI.1(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"n":4,"title":"The Insurance Ombudsman for your area","when":"If the insurer rejects your complaint, does not reply within one month, or you are not satisfied. Within one year of the insurer's reply.","what":"Free. For a loss up to Rs 50 lakh. Write (or file online) with your name and address, the insurer's office, the facts, the supporting documents, the loss and the relief you want. You cannot go to the Ombudsman on a matter already before a court, consumer commission or arbitrator.","contacts":[{"label":"Insurance Ombudsman: register a complaint online","channel":"url","value":"https://cioins.co.in/Complaint/Online","source_url":"https://cioins.co.in/Complaint/Online"}],"law":[{"title":"Insurance Ombudsman Rules, 2017","ref":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","ref":"Rule 17","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"IRDAI Master Circular on Protection of Policyholders' Interests, 2024","ref":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"n":5,"title":"Consumer commission","when":"Instead of the Ombudsman, or for a larger loss.","what":"File a consumer complaint. The District Commission hears claims up to Rs 50 lakh, the State Commission up to Rs 2 crore, the National Commission above that.","contacts":[{"label":"e-Jagriti (consumer commission filing)","channel":"url","value":"https://e-jagriti.gov.in/","source_url":"https://e-jagriti.gov.in/"}],"law":[{"title":"Consumer Protection (Jurisdiction) Rules, 2021","ref":"Rules 3 to 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"}]}],"forms":[],"issues":{"claim-rejected":"Claim rejected","claim-partly-paid":"Claim cut or partly paid","claim-delayed":"Claim not settled in time","late-intimation":"Rejected for late intimation or missing documents","cashless-denied":"Cashless denied or delayed","refund":"Refund or cancellation","service":"Service request not done","mis-selling":"Mis-sold or policy differs from the proposal","other":"Something else"},"draft":"https://indiainsurances.com/api/v1/draft-complaint","page":"https://indiainsurances.com/complain/niva-bupa-health-insurance","notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim."}