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Niva Bupa Health Insurance Company
SectorFinancial Services
In the news
Health Insurance: Unlimited Coverage vs Traditional Plans Analysis
IRDAI Pushes LIC, SBI Life to Seek Further Cost Efficiency - Economic Times
Mumbai forum orders ₹5 lakh health claim payment over waiting period
Niva Bupa, Acko barred from new offices for 6 months by IRDAI
Motilal Oswal sets Niva Bupa target at ₹103
Nifty 50 hits 24,429 high; Aarti Industries, Niva Bupa surge on heavy volumes
Niva Bupa raises FY27 marketing spend 40% with integrated strategy
Nomura picks Star Health, Niva Bupa for up to 23% upside
Niva Bupa shares surge 67% profit, Motilal Oswal targets ₹100
Niva Bupa appoints Ashwani Bhatia as new Chairperson
Motilal Oswal maintains ₹97 Niva Bupa target after strong Q4
Niva Bupa, Affle 3i, Birla Corp surge amid heavy volumes
Niva Bupa shares surge 10% on 67% Q4 profit jump to ₹345 crore
Niva Bupa Q4 profit jumps 67% to ₹345 cr, underwriting profit triples
Niva Bupa Q4 profit jumps 67% to ₹345 crore
55% of young health insurance buyers drop policies within 3 years
Niva Bupa gets IRDAI show cause notice after inspection
Motilal Oswal Maintains ₹92 Target on Niva Bupa Despite Q3 Challenges
Niva Bupa CEO: Retail Health Growth Needs More Investment
Niva Bupa Health Insurance posts Q3 net loss of ₹87.64 crore
The Quarter story
The two most recent quarterly results, compared side-by-side.
Niva Bupa drives profitability and digital efficiency, though rising retail claims and a narrowing solvency buffer require attention.
Profit After Tax recovered from -₹91.4 Cr to ₹137.8 Cr from Q1 FY26 to Q1 FY27 — restoring bottom-line stability
Solvency Ratio declined from 2.86x to 2.25x from Q1 FY26 to Q1 FY27 — narrowing the capital buffer
Cashless claims auto adjudication rose from 12.5% to 38.4% from Q2 FY26 to Q1 FY27 — cutting manual review time
Retail Claims Ratio rose from 64.8% to 67.5% from Q2 FY26 to Q1 FY27 — pressuring retail underwriting margins
Individual Agent Count expanded from 193,555 to 251,834 from Q1 FY26 to Q1 FY27 — strengthening retail distribution
Broker channel share fell from 28.8% to 27.5% from Q1 FY26 to Q1 FY27 — shifting distribution weight
Claims Settlement Ratio climbed from 93.6% to 95.6% from Q1 FY26 to Q1 FY27 — maintaining high policyholder trust
Gross Written Premium peaked at ₹6,309.4 Cr in Q3 FY26 before moderating to ₹2,306.2 Cr in Q1 FY27 — reflecting normalized premium flows
Expense Ratio dropped from 39.1% to 37.2% from Q1 FY26 to Q1 FY27 — improving operational efficiency
Company insights, generated from the most recent coverage.
Niva Bupa's 48-hour prior-notification rule for non-emergency treatment shifts documentation burden onto hospitals; incomplete files reset the IRDAI clock, protecting the insurer from adverse-settlement liability.
Niva Bupa's 30-minute cashless commitment and 'Claim Advisor' zero-deduction network promise is a cost-containment play — steering lives to pre-negotiated hospitals where deductions are contractually controlled.
Niva Bupa's FY25 EoM of ₹2,652 crore breached the ₹2,404 crore allowable limit by ₹248 crore, triggering IRDAI's six-month branch ban — rapid distribution expansion is the binding constraint on its growth runway.