An insurance advisor claimed Niva Bupa denied a ₹61-lakh cashless claim for a patient, holding ₹2.4-crore cover, needing urgent bone marrow transplant. Niva approved a ₹25-lakh transplant package but denied cashless approval once actual costs came in, saying "liability cannot be established". Niva responded saying the claim wasn't denied and that it has sought clarification from hospital.