Diwakar1988
New member
- Policy Name
- Reassure2.0
- Company Name
- NIVA BUPA
- Customer Care Number
- 1860 500 8888
- Loss Amount
- 1000000
- Ratings
Raised many service request but no success. Adding PED in ported policy reassure 2.0 and top up policy. But also added permanent exclusion for PROSTATE in main/ported policy from national insurance after running it for 13 years with national insurance where all waiting period was over.
Complaint email
Dear Mr. Gupta,
Thank you for your email dated 26th May 2026, regarding your health insurance policy no- 36720581202600. We apologize for inconvenience and delay in response.
With reference to your email , We acknowledge receipt of your email, We would like to inform you that we have registered your request for disclosure of medical information - post issuance with reference id – 27051680 same will get response within 4 working days .
Now you can visit Insta Assist by clicking here for quick and faster resolution on your queries and request like policy document, premium receipt, health card, update mobile number, email address and much more without calling or writing us.
We value your patronage and are committed to provide you best in class service support, including first in the industry 30 minutes cashless processing promise.
Warm regards,
Senior Citizen Support
For and on behalf of Niva Bupa Health Insurance Company Limited
--------------Original Message--------------
From: diwakaraggrwal@gmail.com
Sent On: 5/26/2026 3:20:32 PM
To: grievanceredressal@nivabupa.com,seniorcitizensupport@nivabupa.com
CC: igrs@irdai.gov.in,secretarial@nivabupa.com
Subject: Re: Update on Service Request Number 27035260 Subject - Disclosure of Medical Info
Hi team,
I am not accepting the Prostate as permanent exclusion since the prostate test conducted isnegative while porting the policy to Niva Bupa. Reports are attached for your reference. Kindly remove Prostate from the permanent exclusion list. Since having repeated urine infection doctor Amit Devra instructed to have Alfusin medicine permanent to avoid protein in the urine. Kindly update the policy asap.
Attaching all previous emails which were approved for PED as diabetes and hypertension. Now hypertension medication is stopped by Dr Praveen Aggarwal. His prescription is attached for your reference.
Previous email sent:
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Hi Team,
I do not consent to the proposed exclusion for hypertensive diseases.
Mr Pramod Kumar Gupta is a Senior Citizen and was never hospitalized so far during the policy tenure with National Insurance Policy from 2012 to 2026 for any illness. Which is clear evidence document that it was not a chronic disease of Hypertension. Diabetes and hypertension was mentioned last year 2025-2026 policy tenure with national.
While hypertension is a known risk factor, coronary artery disease is a multifactorial condition influenced by age, metabolic factors, and overall health profile. It cannot be attributed solely to hypertension.
Tension started in 2018 (after personal stress event) wrt to this death of his spouse, he has got anxiety issues for which doctor suggested an initial medicine plan which got settled and controlled. In previous year policy 2025-26, PED for hypertension, Diabetes were mentioned under additional cover which conveys all PEDs to be covered. We never expected that he will have any health issue wrt to Triple Coronary Artery Disease but it happened all of a sudden in 16th March 2026 in the Heritage Hospital Noida for checking further with 2d ECHO Tripoin test was positive, all doctor findings are attached with reports in post claim but Reg History, Heritage Hospital Doctor asked us since when the problem of anxiety hypertension started then we told them since 6-7 years but it was not chronic that time but it starting in the year 2024 then we got it added in the next policy period of 2025-2026 because he got unwell during that time due to some diabetes and urine infection. We have shared this info with the Heritage Doctor about the rough time period only when the Anxiety issue started due to personal loss of his spouse Late Mrs Rajni Gupta in 2018 and also told them Telma H medicine he has been taking for 1 year regularly which he missed to write about. If you want we can get it clearly with doctor writeup.If needed.
He was never admitted to any hospital for any such treatment in the past as well. Attaching 2025-2026 National Policy for reference which was shared with Niva Bupa while porting the policy and shared all details in verification call well. Once all completed I got the policy and then I wrote the email to agent Neeraj to confirm and validate if all 3 ped added in the policy document or not. Which he missed to reply due to personal health issues on 10th Feb 2026.
Further we got him admitted to Metra Hospital & Heart Institute for further treatment.
Condition is:
Recently visited dr Praveen Agarwal and he has stopped medicine omlat-H which was prescribed by doctor Richa Agarwal during the treatment at metro hospital on 16-19 March 2026 and post 29 March 2026 as well. But on 24th April, doctor Praveen Stopped Hypertension Medicine as BP is coming low. So He is not chronic to Hypertension.
Regards
Diwakar
(Pramod Kumar Gupta - Age 64)
8600999338
Complaint email
Dear Mr. Gupta,
Thank you for your email dated 26th May 2026, regarding your health insurance policy no- 36720581202600. We apologize for inconvenience and delay in response.
With reference to your email , We acknowledge receipt of your email, We would like to inform you that we have registered your request for disclosure of medical information - post issuance with reference id – 27051680 same will get response within 4 working days .
Now you can visit Insta Assist by clicking here for quick and faster resolution on your queries and request like policy document, premium receipt, health card, update mobile number, email address and much more without calling or writing us.
We value your patronage and are committed to provide you best in class service support, including first in the industry 30 minutes cashless processing promise.
Warm regards,
Senior Citizen Support
For and on behalf of Niva Bupa Health Insurance Company Limited
--------------Original Message--------------
From: diwakaraggrwal@gmail.com
Sent On: 5/26/2026 3:20:32 PM
To: grievanceredressal@nivabupa.com,seniorcitizensupport@nivabupa.com
CC: igrs@irdai.gov.in,secretarial@nivabupa.com
Subject: Re: Update on Service Request Number 27035260 Subject - Disclosure of Medical Info
| Caution: Please take care while clicking links or opening attachments from this email. In case of suspicion, reach out to your IT Helpdesk. Click here to report this email as spam. |
Hi team,
I am not accepting the Prostate as permanent exclusion since the prostate test conducted isnegative while porting the policy to Niva Bupa. Reports are attached for your reference. Kindly remove Prostate from the permanent exclusion list. Since having repeated urine infection doctor Amit Devra instructed to have Alfusin medicine permanent to avoid protein in the urine. Kindly update the policy asap.
Attaching all previous emails which were approved for PED as diabetes and hypertension. Now hypertension medication is stopped by Dr Praveen Aggarwal. His prescription is attached for your reference.
Previous email sent:
Diwakar Aggarwal <diwakaraggrwal@gmail.com> |
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Thu, Apr 30, 5:38 PM
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| to Grievance, gro, secretarial, igrs
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Hi Team,
I do not consent to the proposed exclusion for hypertensive diseases.
Mr Pramod Kumar Gupta is a Senior Citizen and was never hospitalized so far during the policy tenure with National Insurance Policy from 2012 to 2026 for any illness. Which is clear evidence document that it was not a chronic disease of Hypertension. Diabetes and hypertension was mentioned last year 2025-2026 policy tenure with national.
While hypertension is a known risk factor, coronary artery disease is a multifactorial condition influenced by age, metabolic factors, and overall health profile. It cannot be attributed solely to hypertension.
Tension started in 2018 (after personal stress event) wrt to this death of his spouse, he has got anxiety issues for which doctor suggested an initial medicine plan which got settled and controlled. In previous year policy 2025-26, PED for hypertension, Diabetes were mentioned under additional cover which conveys all PEDs to be covered. We never expected that he will have any health issue wrt to Triple Coronary Artery Disease but it happened all of a sudden in 16th March 2026 in the Heritage Hospital Noida for checking further with 2d ECHO Tripoin test was positive, all doctor findings are attached with reports in post claim but Reg History, Heritage Hospital Doctor asked us since when the problem of anxiety hypertension started then we told them since 6-7 years but it was not chronic that time but it starting in the year 2024 then we got it added in the next policy period of 2025-2026 because he got unwell during that time due to some diabetes and urine infection. We have shared this info with the Heritage Doctor about the rough time period only when the Anxiety issue started due to personal loss of his spouse Late Mrs Rajni Gupta in 2018 and also told them Telma H medicine he has been taking for 1 year regularly which he missed to write about. If you want we can get it clearly with doctor writeup.If needed.
He was never admitted to any hospital for any such treatment in the past as well. Attaching 2025-2026 National Policy for reference which was shared with Niva Bupa while porting the policy and shared all details in verification call well. Once all completed I got the policy and then I wrote the email to agent Neeraj to confirm and validate if all 3 ped added in the policy document or not. Which he missed to reply due to personal health issues on 10th Feb 2026.
Further we got him admitted to Metra Hospital & Heart Institute for further treatment.
Condition is:
- Controlled / mild
- No complications
- No hospitalization history
Recently visited dr Praveen Agarwal and he has stopped medicine omlat-H which was prescribed by doctor Richa Agarwal during the treatment at metro hospital on 16-19 March 2026 and post 29 March 2026 as well. But on 24th April, doctor Praveen Stopped Hypertension Medicine as BP is coming low. So He is not chronic to Hypertension.
Regards
Diwakar
(Pramod Kumar Gupta - Age 64)
8600999338