• Claim settlement automation: Niva Bupa is using agentic AI and Decision Support Systems to reduce cashless discharge approval times to 5–10 minutes, targeting 100% coverage by year-end while working toward faster reimbursement decisions.
• Hospital support staff: The company is stationing "Niva Bupa Saathi" personnel across the top 100 hospitals in India to assist policyholders in navigating hospital processes and preserve human touch.
• Premium inflation containment: By using AI to identify fraud, waste, and unauthorized billing items, the insurer aims to restrict annual premium increases to under 10%, offsetting medical inflation rates of 13% to 15%.
• Growth and product pipeline: Niva Bupa is targeting growth 8% to 10% above the overall market rate and plans to roll out three personalized, segment-specific insurance products between November and January.