Is Niva Bupa good? Complaints, claim record and who it suits
Niva Bupa's plans are stronger than its service record. It settles 93.3% of claims, just above the 93% we look for, but draws 35.4 complaints per 10,000 claims, 23rd of the 30 health insurers with a complaint figure (IRDAI published data, three-year average, as of March 2026). Its ReAssure and Aspire wordings are among the broadest we've read.
Written by Shadab SayeedReviewed by Kshitij JainUpdated nyvo insurance Services LLP, IRDAI Corporate Agent (Composite) CA1085Salaried advisors, no commission-based ranking
This is independent information from nyvo insurance Services LLP, an IRDAI-registered corporate agent (licence CA1085). It is not Niva Bupa's own website. The figures here are from IRDAI's published data and Niva Bupa's own public disclosures.
Niva Bupa at a glance
| Measure | Niva Bupa | Source and context |
|---|---|---|
| Claim settlement ratio | 93.3% | 16th of 31 health insurers; we look for 93% or more. IRDAI published data, three-year average, as of March 2026 |
| Complaints per 10,000 claims | 35.4 | 23rd of the 30 with a complaint figure, fewer is better. Same source, averaged 2022-25 |
| Complaints registered, 2025-26 | 6,399 | Niva Bupa's Form NL-45, year to 31 March 2026 |
| Of which about claims | 4,675 (73.1%) | Same form. IRDAI: 69 per cent of grievances under general insurance business were related to claims (2024-25) |
| Claims registered, 2025-26 | 16,01,362 | Same form |
| Complaints open on 31 March 2026 | 44 | All less than 15 days old |
| Plans we've read | 16 | From Niva Bupa's own policy wordings |
Niva Bupa settles 93.3% of its health insurance claims by number, which meets the 93% we look for in a health insurer. The year-by-year record, and how it compares with other insurers, is on our Niva Bupa claim settlement ratio page.
Weighing Niva Bupa against another insurer? A nyvo advisor will read both wordings with you and tell you plainly which one fits. The call is free.
Talk to an advisor →What do Niva Bupa customers complain about?
Mostly claims, as with every health insurer. Niva Bupa's grievance disclosure for 2025-26 (Form NL-45, for the year to 31 March 2026) lists 6,399 complaints: 4,675 about claims (73.1%), 1,042 about the policy itself (16.3%), 288 about refunds and 262 about premiums.
The policy-servicing share is the one to notice. At 16.3% it's a bigger slice than at Star Health, where it was 12.0% in Star's own 2025-26 disclosure, so a noticeable share of Niva Bupa's complaints are about running the policy rather than paying a claim. The claims share, meanwhile, is close to the market's: IRDAI's Annual Report 2024-25 says that of the grievances reported under general insurance business on its Bima Bharosa portal, the majority were related to claims (69 per cent).
For scale, Niva Bupa registered 16,01,362 claims in 2025-26 and closed the year with 44 complaints open, all of them less than 15 days old.
| Complaint type | Complaints | Share |
|---|---|---|
| Claims | 4,675 | 73.1% |
| Policy servicing | 1,042 | 16.3% |
| Refund | 288 | 4.5% |
| Premium | 262 | 4.1% |
| Product | 83 | 1.3% |
| Proposal | 26 | 0.4% |
| Coverage | 22 | 0.3% |
| Cover note | 1 | 0.0% |
| Total | 6,399 | 100% |
Shares are our arithmetic on the counts Niva Bupa discloses. Open on 31 March 2026: 44, all of them less than 15 days old.
Who is Niva Bupa good for, and who should look elsewhere?
With Niva Bupa, the variant matters more than usual: ReAssure 3.0 Black is the only ReAssure 3.0 variant with no room-category cap and no room co-pay, and Aspire's best terms sit on Titanium+. Check which variant a quote is for before you compare it.
Niva Bupa can suit you if
- You want no room-category cap and no disease sub-limits. ReAssure 2.0 Titanium+, ReAssure 3.0 Black and Aspire Titanium+ have neither.
- You expect to claim more than once. ReAssure Forever refills the base cover an unlimited number of times once your first claim has been paid.
- You're 18 to 35 and want cover to compound. Aspire's Booster+ carries unused cover forward up to 10 times your base if you join in that band; the cap drops to 5 times at 36 to 45 and 3 times after that.
- You're buying late. ReAssure 2.0 and ReAssure 3.0 accept adults up to 99.
Look elsewhere if
- You're planning a family. ReAssure 2.0 and 3.0 exclude maternity outright, and Aspire Titanium+'s maternity pot starts at ₹4,000 a year on ₹3 lakh cover and reaches ₹25,000 only at ₹50 lakh and above.
- You want consumables paid as standard. On ReAssure and Aspire they're excluded unless you buy Safeguard or Safeguard+, and Health Companion has no way to add them.
- You're 61 or older and want a low co-pay. Senior First takes 61 to 75, but half of every claim is yours unless you buy the co-pay down when you first buy.
- Fewer complaints matter more to you than plan features. At 35.4 per 10,000 claims, Niva Bupa sits in the weaker third of the health insurers we track.
Which Niva Bupa plans have we read?
We've read 16 Niva Bupa plans from the insurer's own policy wordings and prospectuses. These 5 are the ones this page turns on; the rest are on the Niva Bupa company page.
- ReAssure 3.0 Black
No room cap and no co-pay, Booster+ up to 1000% of the base cover. No maternity.
- ReAssure 2.0 Titanium+
No room cap or sub-limits; Lock the Clock holds the premium at your entry age until you claim. No maternity.
- Aspire Titanium+
Built for young buyers: maternity after 9 months but a small pot, and Booster+ up to 10 times if you join by 35.
- Health Companion
The long-running family plan. No co-pay, but only 30 days before and 60 days after hospitalisation.
- Senior First
For 61 to 75 only, with a 50% co-pay by default.
Niva Bupa questions, answered
Does Niva Bupa cover maternity?
On some plans, and not much. ReAssure 2.0 and 3.0 exclude it with no rider to add it. Aspire Titanium+ builds it in after a 9-month wait, but the yearly pot is ₹4,000 on ₹3 lakh cover, rising to ₹25,000 at ₹50 lakh and above, carried forward only if unused. If maternity matters, compare plans on the payout, not the wait.
Which Niva Bupa plan should I buy?
It depends on age and need. On the wordings we've read, ReAssure 3.0 Black and ReAssure 2.0 Titanium+ give the broadest hospital cover, with no room cap and unlimited refills once the first claim is paid. Aspire Titanium+ suits buyers under 36 who want Booster+ to grow fastest. Senior First is only for 61 to 75 and carries a large co-pay.
What do Niva Bupa customers complain about?
Claims, then the policy itself. Of the 6,399 complaints Niva Bupa registered in 2025-26, 4,675 (73.1%) were about claims and 1,042 (16.3%) were policy-related, according to its NL-45 disclosure for the year to 31 March 2026. The policy-related share is higher than Star Health's 12.0% in the same year.
How do I complain about Niva Bupa?
Start with Niva Bupa's own grievance desk and get a complaint reference number. The insurer has to resolve a grievance within 14 days (IRDAI Master Circular on Protection of Policyholders' Interests, 5 September 2024). If it doesn't, or the reply doesn't settle it, register the complaint on IRDAI's Bima Bharosa portal or call 155255. After that, the Insurance Ombudsman is free, and its award binds the insurer.
Sources
- Niva Bupa Health Insurance, public disclosures for March 2026, Form NL-45 Grievance Disposal for the period up to 31 March 2026 (transactions.nivabupa.com/pages/public-disclosures.aspx), read 24 October 2026.
- Star Health and Allied Insurance, Form NL-45 for 2025-26 (for the comparison of policy-related complaints), read 24 October 2026.
- IRDAI Annual Report 2024-25, section II.6 (Grievances), Tables II.15 to II.17 and paragraphs II.6.8 and II.6.9, read 24 October 2026.
- Claim settlement ratios and complaints per 10,000 claims: IRDAI published data as compiled in our claim settlement ratio table.
- Plan facts: the nyvo policy database pages linked above, each built from Niva Bupa's own wording.
Weighing Niva Bupa against another insurer? A nyvo advisor will read both wordings with you and tell you plainly which one fits. The call is free.
Talk to an advisor →