Star Health And Allied Insurance Complaints & Reviews

They are real crooks. Do kot share any modification in policy benefits to customers and even do not bother to revert on mails or o. Social media. Branches are even worst. This DNA flows from top to bottom. Shameless people, management and team.

Shashank Tayal
Lucknow

I am customer of starhealth since long but i am suffering a lot from day 1 of my 1st claim submission.

They did not care about their customers at all.
Each and every time it happened that they have deducted amount without valid reasons and then

Numerous emails - no satisfaction
Numerous calls - no satisfaction
Numerous tweets - no satisfaction

The company is on peak of harassing their customers, months passes by and the did not respond.

Their customer executives speaks as they dont care about the repo of comapny

I request consumer support to get me out of this troublesome situation urgently.

Today on 4 may 2020 at 12:09 pm i have renewed a policy no P/161111/01/2020/002278.
DOB 30/01/1965
My money is deducted from my credit and window became blank and i also didnt get any success notification of my policy.

My contact no [protected]

Hi,

I took the policy and made the proposal on 28th of February and since that day I have requested them to cancel my proposal and return my money..

My policy ID is P/161113/01/2020/006364

But they are only delaying the whole process by saying .. ok our customer service agent will give you a call..

Please issue refund or I will move to court in a day or two

Mr pradeep manjrekar (Father) got admitted in the hinduja hospital with diagnosis of infected left knee joint. He is suffering from this aliment since 2019. Patient is covered in corporate mediclaim policy since[protected]. The policy period is[protected] to[protected]. As per policy terms and condition pre-existing diseases are covered. There is no waiting period for pre-existing disease. Patient underwent the total knee replacement surgery in the year 2019 as per policy terms and condition there is an aliment capping for knee replacement surgery during the policy period. Insurance company while processing the claim for infected knee joint applied an aliment capping for knee replacement surgery which is not justified.
Patient is suffering from infected knee joint. Patient underwent multiple debridement’s with external fixator application and left knee arthrodesis in hinduja hospital. Since the treatment was for infected knee joint and the same did not figure among the ailment capping diseases, it was understood that the patient could not be faulted for interpreting the condition in the aforesaid manner and thereby staking his claim for reimbursement of the entire medical expenses.
Patient admitted and underwent treatment for infected knee joint and not for knee replacement surgery (This has been confirmed by doctors and test reports, same was shared with insurance company on the very same day). As documentary evidence had proved this point, the insurance company’s restriction to the aliment capping is questionable.in the facts and circumstances the decision of the insurance company to settle the claim of infected knee joint for rs. 150, 000/- is not acceptable.
Any contract of insurance, to be enforced, has to necessarily be based on the principle o[censored]berrimae fides, i. E. Utmost good faith.in an insurance contract, the intention of the parties must prevail, and this intention is to be looked for in the policy itself.in the absence of any specific condition mentioned on the schedule of the policy limiting the sum insured to rs. 150, 000/- for the treatment of infected knee joint, the patient cannot be found fault with for having interpreted the terms of contract as those literally mentioned on the face of the policy.

Dear sir/ madam
Greetings!!

On 3rd of december 2019 at 7:30 pm my mother admitted on medica north bengal clinic, hospital siliguri, due to stomach pain.
My mother she have medical insurance from star health & allied insurance company since last 3years, she didn't take any kindly of treatment last 3years. It was the first time she took claim from insurance company. But unfortunately they rejected, sir their was...

Star health insurance forgot to save humanity in order to save their terms and conditions

I have own IT company with 30 employees and 3 directors including my father. Everyone was covered by Star health insurance. Insurance policy was managed by one of star health agent who do new policy, renew and all services. I called him December first week for some questions and he remind me that my parent's policy expiring by this December. I told him to collect cheque whenever you have time. Later he messaged me on December 23rd in wtsapp that "Good morning, Pls call me, Renewal time of your health insurance." As I have asked him to share me the NEFT details as I was out of station. Later he replied me that he on leave till 31st and will do details by Dec 31st. Then conversation stopped.

My Father got admitted in hospital around 11.00 PM on 26th December due to high fever. He was insured by Star health since December 2016 onwards. I have informed; hospital the same. Unfortunately I forgot his policy number and promised hospital authority that I will submit by tomorrow morning. I called my insurance agent on 27th morning and his number was not reachable. Then I asked my HR to share softcopy of policy which I kept in office. I came to know that Policy expired on 19th December 2019. Around 11.00 am I called my insurance agent to discuss same the he was not aware of this expiry date. Then I asked me why don't you tell me that policy is expired on 19th. He was silent and told me that "its waster of time for us to keep discussing about this. I shall check with local branch and let you know". After 10 mins he called me and informed me that " Star health can't help in this case as the policy is expired and claim won't happen". I told him that mistake is not mine as I have asked you to come to collect payment or send me neft details which you didn't do at all or you would have told me that policy is expired and I would have find some other source to do the payment. And he replied he is helpless in this and "SORRY".

I called customer care on same day and explained whole story for almost 40 mins. They asked me to send detailed email and our respective team will get back with in 24 hours. Based on that, I have send detailed email and screen-shots of wtsapp conversation to prove my genuinity. I called again after 4 hours to follow-up and discussed same story with other support guy and they promised that team will get back with in 24 hours. All of customer supports guys told me that "Mistake is not only from you and insurance agent also made mistake here" I have waited more than 26 hours and didn't get reply. I called again and talked with other guy and explained the story again for 40 mins and promised that within 1 hour they will send reply. Again no reply after 2 hour and called then again and same procedure. Later I got reply that " Claim won't be applicable for expired policy" and beauty is they shared me link to renew policy. I called customer care again and asked below questions,
1. What is role of insurance agent?
2. I have asked insurance agent to collect payment or send neft details to make payment. But he didnt. Who's responsible?
3. Why my insurance agent didn't inform me that policy expired?
4. Why star health insurance agent customer care do remainder call before and after policy expire?
5. I have been renewing policy from 2016 to till this day for my employees and parents and I have never claimed any hospitalization. Can you tell me why I should stop renew policy?

Finally, As per terms and conditions I am not eligible for claim for expired policy. But here I have asked my agent to collect payment and he failed to do. Now I have been punished for someone mistake. if you guys feel genuinity and humanity, please approve my claim. Or Answer all my questions above.

Fake insurance company
We have submitted all relevant documents to concern authority, but still they have lot of queries. My parents are suffered due to star health people, my father continuously visiting their office for claim settlement but from last one year we have received the claim. Please requesting you people do not buy insurance from star health, fake people, fake company. Very bad customer support.

I was buy star health policy 05/01/2019 for my daughter,
After 10 months my admitted hospital after checkup doctor was fund this is the tb but the medical expense is very high medicine used itp injection for platelet come down,
When i submitted the claim star health rejected the claim saying that it is per-existing diseases

Policy number p/700001/01/2019/039746
Policy period 06/01/2019 to 05/01/2020
Diagnosis disseminated tb,
Date of admission 15/10/2019
Big cheater don't take star health insurance

There is totally no support/ care for the customers once a customer had purchased a policy. It's being already 10 days since i purchased a health insurance policy. But still now i didn't receive the physical health id cards delivered to my address. My policy number is p/700002/01/2020/031309. Also star health didn't give any specific answers to my questions i asked in an email.

I had submitted my all bills and documents to agent on 22.10.19 and he submitted to your local office on 01.11.19. On 7.11.19, i received a mail from yoyr company regarding non submission ofclaim documents. So contacted agent, but he refused to inquire the status of the same and still non cooperating. Your customer care has also intimated through my conference call, your agent dis connected call. I eant to lodge complain against him. I[censored] require, i can submit call record

I have called Mr. Govind on his mobile no.[protected] in the morning regarding obtaining information for Medical health policy as he is driving I asked him to call once he free. he asked another person Mr. Dayal to call me who has given me missed call ( bell ranged for 2 seconds). Thereafter no call received. Now when I called Mr. Govind today night at around 9.30 pm regarding information and his todays conversation with me to call back, then he taken Mr. Dayal in conference, Mr. Dayal told him that he visited me 8 months before for policy and no policy taken by us. then he started talking arrogantly with me even I don't remember when he visited me when I asked him to him speak properly he thretened me and talked very arrogently, I have recorded his call conversation. WE expecting from your Side to take serious action against such arrogant agents this increase gaps in between customer and Star Health.
If agent of Star Health is talking this way, then we have to think before taking policy.
Hope will get positive reply from your end with action taken against such agent.

Thanking you
Mukesh Gurubhaiye
[protected]

My mother is being insured with star health since 2014. Every year renewal went fine in time and there are no claims made till date. This year due to my onsite travel, i missed to renew by 25th august 2019 but later within two weeks during grace period only i approached star health renewal team asking for porting my father to star health & getting my mothers insurance renewed. I emailed them on 15th sep along with many multiple calls. None replied or answered to my emails & calls. Finally they responded in the month end of sep 2019 and dragged it further and then acknowledged me saying, since grace period of one month also is completed, they cannot renew and asked me to take new policy where again the waiting period starts. This is totally unfair. They didn't respond nor helped me in the grace period for the two weeks and finally ignoring the customer saying helpless. I have looped level 1, 2, 3 departments of star health for the grievance and none helped me. Kindly help in getting my mothers insurance renewed.

Sir mera claim no 0309221 hai. Ye final hospital receipt ke karan reject kiya hai. Lekin maine 1 month pahale zerox copy pe doctor & hospital sing stamp diya huva hai. Tobhi mera claim reject kiya hai. Sir abhi fir se maine original hospital ke letter head pe sab likh ke diya hai. Age kutch bhi process nahi ho raha hai. Please sir 40 din huye kutch nahi ho raha hai. Mai bahut pareshan hu, lagata hai kyu maine claim kiya.. Kyu mai paise bhar raha hu claim ka. Muze bahut garaj hai paise ki sir.[protected] please help sir. Shekhar belhekar

Sir my policy
No. P/161121/01/2020/001099, apke company me 25/04/2019 ko online insurance karaya tha, jisme 4 member ka insurance kiya gaya tha, jisme 1member sunita singh ka helth 26/08/2019 ko kharab ho gaya jishe m p birla hospital me admit kiya gaya, aur apki company me jankari bhi di gai, aur hame ak claim no.. Cli/2020/161121/0380670 mila, paisent ko 29/8/2019 ko discharg kiya gaya, satna m. P. Me aapki branch na hone ke karan, sabhi hospital ke paisent ke dacuments aur claim form courier ke dwara apki claim branch me 2 bar bheja gaya lekin abhi tak bhi koi bhi responce nahi aya. Aur phone karne par bhi koi responce nahi aata. Paisent ka id card no.[protected] hai.

I havenot accepted the offer letter of star health i asked them to remove my ageny code from star health.

I have sent them written request /calling for an update they are not responding my calls /emails

Plaese remove my agent code from irda for star health - my sm name – mandeep kaur sh48366

Please remove my pan card-bcmpm3373d - agent code - ba[protected] manisha - office code -161211 branch...

Dear sir

Myself kanu v patel join star health & allied insurance co. Ltd asa advisiore in 2012 than after in 2016 i am stop working & resign as advisiore from company resign status also seen on pan lockup

Regarding issuing form ic 33 i am send mail in my branch 3 time but they r also not replaying me in last 4 month

Till today my pan no. Is showing tagging with star health

Pls remove my tagging from irda website

Pls. Do it needfulley as earley possible

Kanu v patel
Pan - aykpp0554g
Mo - [protected]
Email-caution. [protected]@gmail.com

Dear sir,

I the proposer of policy state that i had purchased senior citizen red carpet plan for my parents in 2014. At that time the only pre existing declared was hypertension and complications.in the year 2015 my father developed knee pain and within 6 months got knee replacement done upon doctor's recommendation. We did not utilize insurance and paid from pocket. Fast forward to year 2019, now the same knee developed infection, and required surgery and as operated in may 2019 and aug 2019.in may upon renewal, star health says that the issue related to knee was not declared in 2014 and this is pre existing and forcibly amended our policy upon renewal. This is unfair practice. How can we declare in 2014 for something that was due to happen in 2015?

This email is regarding claim number 0403197 health insurance policy number P/161100/01/2019/006435 . This policy is 18 months old and while taking policy agent promise this is absolute cashless policy. This is to inform this is mine and my parents first experience with star health Insurance and I am sorry to say first experience is horrible. My mother got hospitalized on 2nd September in Venkateshwara hospital Dwarka sector 18 as she was having very high fever and frozen chest because of cough and cold and constant high BP and for skin allergy. We started contacting TPA second day and they informed you about same they started treatment for same. We submitted all required document also a team visited her on behalf of star insurance to them she explained same in addition she mentioned she fell from scooter 3 months back only and she has backache too but team fudge the facts and instead of 3 months they wrote 3 yrs. in their report so that they do not have to clear the bill. We as middle-class family buy Mediclaim policy so that in the time o[censored]tmost medical urgency we shouldn’t have to run for money instead we take care of family member.
She got her discharge paper last evening only i.e. 09th September 2019 but she has to spend entire night on reception as claim was declined and we didn’t had money to pay. Please help if her health deteriorates further who will be responsible. Today 10th September 2019 we arranged money from somewhere and paid in cash which is huge burden on us.
Her BP has again increased after discharge and still she is not well because of stress this can lead to serious and complicated problem and we scared to take her to hospital again as we know Star Allied Health insurance not be paying anything even to genuine patient too.
Now I am looking for reimbursement of entire hospital bill along with pre and post medical expenses also if her health goes worse further, I need assurance she will get cash less treatment.
Looking for positive and early reply.

Regards,
+91 [protected]

I have subscribed in the general dnd. I have repeatedly told more than 100 times that i am not interested in anything from star health insurance. Still i am getting annoying marketing calls. I have did dnd on their site also. Still i am getting these annoying calls. It becomes very irritating especially when you are in meetings or in important discussions and that time you get the irritating calls from this company. It makes me all the more feel at any point in my life i should not take insurance from this company