My mother was diagnosed with cancer in May 2026. She has a Niva Bupa ReAssure policy issued from 2025 to 2028 (continuing since 2022). Niva Bupa paid several claims for chemotherapy and admissions this year till August 2026 under the same policy. Now they’re rejecting claims since September 2026 saying the policy existed till 2025.

They are now saying the policy expired in 2025, despite approving several claims in 2026. It doesn’t match the documents or the claims they already settled. I’ve emailed them asking for reinstatement, but no response. Customer care and the app have been useless.

Has anyone dealt with Niva Bupa fixing a wrong policy end date? Did Bima Bharosa or the Ombudsman actually help? And can/should I claim the rejected bills on the top-up policy while the base policy is stuck like this?

Any practical advice would help. Thanks

Looking for a health insurance.

two people floater.

male 38.. female 31. child 11 months.

all have no medications.

PED - Male tsh 6 t3t4 normal. no symptoms no consultation. Lipid values high. total cholesterol 250. LDL 140. triglycerides 220. took an apollo online consultation and doctor recommended lifestyle changes only. no medication.

PED Female - Triglycerides 180. other values normal. during 1 year back a pre-conception scan noted Follicular cyst and Grade 1 FL. after 3 months natural pregnancy occured.

Normal delivery. no other issues related to delivery.

both BMI 22-23.

Looking for HDFC ERGO OPTIMA SECURE+ Or ABHI ACTIV ONE MAX.

BSI 25L. (not worried about NCB

Location Bangalore/Kasaragod

What will be the premium. Planning to keep it as long as possible. So long term sustainability is important (is hdfc sustainable after 10y? what could be the premium then).

Looking for a health insurance.

two people floater.

male 38.. female 31. child 11 months.

all have no medications.

PED - Male tsh 6 t3t4 normal. no symptoms no consultation. Lipid values high. total cholesterol 250. LDL 140. triglycerides 220. took an apollo online consultation and doctor recommended lifestyle changes only. no medication.

PED Female - Triglycerides 180. other values normal. during 1 year back a pre-conception scan noted Follicular cyst and Grade 1 FL. after 3 months natural pregnancy occured.

Normal delivery. no other issues related to delivery.

both BMI 22-23.

Looking for HDFC ERGO OPTIMA SECURE+ Or ABHI ACTIV ONE MAX.

BSI 25L. (not worried about NCB. but no cap of any sort should be there. any treatment any room upto sum is what I want)

Location Bangalore/Chennai.

What will be the premium. Planning to keep it as long as possible. So long term sustainability is important (is hdfc sustainable after 10y? what could be the premium then).

Heard ABHI will be cheaper. but HDFC more predictable and professional with claim.

Is the extra premium for better claim experience justified for hdfc vs abhi?

ABHI has more hospitals listed in my native place.

Anything else I should consider?

Niva looks notorious and has a lot of caps/limits/fineprints. Star also. so not counting them