A viral LinkedIn Post by Avigyan Mitra, Health Insurance and Investments advisor has created immense buzz in the online media.
The post alleges that a policy worth Rs 2.40 Crore Cover was done by the user on Niva Bupa Health Insurance, while the latter denied Cashless Claim worth Rs 61 Lakh cashless claims for his father’s hospitalization.
“You pay premiums for years, build a massive Rs 2.40 Crore health insurance cover, and when the moment of truth comes, your insurer simply walks away,” Mitra alleged.
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The user said his father fighting Myeloid Leukaemia and urgently needing a Bone Marrow Transplant was admitted at the hospital in July, but the claim of Rs 61,63,038 was denied by the insurance company.
“This is not a small technical issue. This is a systemic betrayal of what health insurance is supposed to stand for. Families buy policies for protection in such crises, not to be abandoned when it matters most. Health insurance cannot become a game of wordplay and escape clauses. When lives are at stake, dignity, compassion, and fairness must come first,” Mitra wrote.
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Niva Bupa Health Insurance Responds, Says Baseless AllegationsÂ
Niva Bupa Health Insurance has issued a media statement, stating that the claims are baseless.
“We have approved 25 lacs pre-authorisation cashless request for an initial length of stay of 27 days after discussion with the hospital. On 9th Jul 25, an additional charge of 77,000/- was received which ideally should have been part of the initially agreed and approved treatment, but nonetheless was approved as well,” Niva Bupa said.
“During the course of ongoing treatment, the hospital requested an increase in pre-authorisation from initially approved 25 lakhs to 61 lakhs basis an interim bill and stated that the treatment cost is escalating, which as on 1st Sep’25 has swelled to 80 lacs. Since this additional amount is significantly higher than the original estimate, the subsequent pre-authorisation request for additional amount was not approved and in addition we have raised few questions with the hospital,” the company added.