Health Insurance Renewal Scam (Fake Niva Bupa + Policybazaar Call)

Today I almost got scammed while trying to renew my father’s health insurance, and I want to warn everyone here.

I got a call from a guy claiming he was from Niva Bupa. He then told me the new premium is ₹71,000, which shocked me because that amount is very very high to the amount that I paid last year.

He started giving very specific details like my father’s age and the policy expiry date. He said that my father is now a senior citizen so his premium has increased from this year onwards. This made him sound legit.

When I told him I’ll confirm with Policybazaar (since I bought the policy through them), he immediately said Policybazaar is a fraud company and insisted I renew directly through him.

Then he said he’ll “arrange a call” from Policybazaar.

I actually got another call, supposedly from Policybazaar, but:

•	The guy didn’t share his name or ID

•	Told me to go ahead with the Niva Bupa 

Agent

That’s when it became clear this was a coordinated scam.

I refused and told them I’ll only renew via official website and not over calls. After that, no more calls.

Key Red Flags:

•	They had partial correct information (likely data leak)

•	Tried to discredit Policybazaar

•	Created urgency and confusion

•	Fake “second verification call” to build trust

Please NEVER renew insurance over random calls. Always use official apps/websites.