Star Health And Allied Insurance Complaints & Reviews

Hi team,

My parents with great efforts from their savings pay a little amount to the Star Insurance company under the “Family Health Optima” scheme. They paid close to 26,000 rupees but of no use. This is the most worthless insurance which I have never went through. As mentioned in your web-site.

Family Health Optima from Star Health is a health insurance plan that gives protection for the entire family on...

NAVEEN KUMAR
144 D.L. ROAD
NEAR D L ROAD CHOWK
DEHRADUN- 248001 ( UTTARAKHAND)
PHONE NO: 2711020

REPUDIATION OF CLAIM (POLICY NO: P/161115/01/2013/000613)
(Claim No. CLI/2013/161115/0080523)

1 Ref : Stay health and AICL Chennai letter No nil dated 11 Jan 2013.

2 It to be noted that I had take this family health policy w.e.f. 04 Jun 2012 that cover my wife Madhulika & daughter Navya.

3 My wife Madhulika was suddenly feel some problem in her chest pain on dated 18 July 2012 and we have take consultation from the Dr Bhusan (Chest specialist ). He advised some blood tests, X-ray, Ultra sound & CT scan also. And doctor confirmed on dated 21 July 2012 that, she is suffered from pulmonary tuberculosis and that was not pre existing disease. My wife admitted in city Heart Hospital , Dehradun on dated 28 Aug 2012 due to same disease problem and when there no improvement in her position than I decided to change the hospital to Vaish Nursing Home Dehradun on dated 29 Aug 2012.

4. In this regard I have submitted all the doctor prescriptions along with all tests report and discharge card and all required documents of both hospitals. After that you have raised some quires time to time and I replied all the queries.

5. Now in connection to above referred letter, the My wife Madhilka was suffered with the pre existing disease (i.e. pulmonary tuberculosis) that is absolutely wrong and directly indication to my integrity for claim.

6. It is to be noted that, I have made claimed because when I adopt this policy I was fully assured that I am fully protected by this medical policy. But I was wrong, this all the features were shows/brief to me all were fake and wrong. When you are not able to make claim for all the this whatever you said in your said letter, why not time when you raised very 1st quiry for the same. It means that you were not able to understand the case. This is totally wide of the mark you are giving me any payment against my claim.

7. I again request, please look into matter once again to resolve it.

(Naveen Kumar)

I, M.Kalyanchakravarthi paid the full amount in the month of Dec-12 towards the health insurance policy for my mother aged 58 years.
They have sent a letter containing incomplete information about the diseases not covering/not covered for diabetic patients. They are also not
informing why they have taken the money when they are not covering any diseases. More over the branch manager of Kukatpally, Hyderabad
Mr. Ramakrishna's explaination towards the customers in sarcastic and impolite.

I request you to help me in this regards and suggest me the corrective action.

Regs
Kalyanchakravarthi
[protected]

Hi,

I have taken an online policy "Red Carpet for Senior Citizen" policy number "P/700002/01/2013/007373" for my Father, with all sincerity I have declared that he has underwent "ANGIOPLASTY DONE ON 2008" "Beyond preceding 12 months, Now he is fit and fine,

Primary objective of the Insurance company is to provide coverage for the Medical risk. It can be dengue fever or it can be any health issues

After 3 weeks the insurance company called me and informed that the Policy has been cancelled.

Question: How can the Insurance company deny an Insurance, without any written proper information ?

I request the Health authority to look into it. Star Health Insurance should not have deny coverage to for a person.

1) Does the insurance company provide insurance to complete healthy person
2) By the age 60, any person might have underwent medical complecations
3) Why the insurance company have made such Policy
4) Why the terms are not clearly mentioned on the web portal.

I held Start Health Insurance against RTI (Right to Information) for hiding the information (No Trasperacy)
I am sorry to say the orgainisation do not have Social responsibilty. Only want to make money not service.

Dear sir/madam;
pls don't sagest to anybody to go to star health for job explicitly Tamil Nadu because in this zone all are doing rowdyism .they are not giving any service support to the customers and as well as employees also .if any one ask the service support they will neglect the issue if at all forced to do the same they will do the rowdyism .

Regards

Zacharias.a
[protected]
hosur

Dear Sir,
I SHEOKUMAR VENKTESHWARNATH PANDEY have taken a insurance policy named "Family Health Optima" from Star Health and Allied Insurance company Limited, vide their Policy No.:- P/171115/01/2013/010505, dated 06/10/2012 For the period of Insurance from 06/10/2012, 13:13:34 To Midnight Of 05/10/2013, against basic floater sum insured for Rs. 3,00,000/- and made payment of Rs.13,348/- vide cheque No.511142 dated 29/09/2012 of HDFC Bank Koparkhairane Branch and received receipt No.[protected] dated 06/10/2012, for the same with no pre existing diseases.
I would like to bring your kind attention that on dated 17/10/2012 I was admitted to FAUZIYA HOSPITAL for diagnosis of chest pain and vomiting and given me a primary treatment and then after was shifted to LILAVATI HOSPITAL on 18/10/2012 at 02:53 AM where I was operated for ACS/STEMI/PTCA on 19/10/2012. Since Hospitals were not on Depanneled list of Star Health and Allied Insurance Co.Ltd; I made all payments of hospitals and medicines expenses etc. And after paying all bills was discharged on 23/10/2012.
I have given the Intimation to the Star Health and Allied Insurance Co. Vide Intimation No.:- CLI/2013/171115/0112228, on dated 18/10/2012 and also submitted all the related documents, bills etc. Along with fully filled Claim forms to their Vile Parle Mumbai Office on dated 10/11/2012 for the reimbursement. After many reminders on online they register my Claim on 24/11/2012 and whenever I check my claim Status showing UNDERPROCESS for many days, on 07/12/2012 while checking online, my claim status was showing nothing, then after immediately I made a Toll free call to their Chennai office and was assured that my claim file is with their medical teams and I will be reimbursed very soon. On very next day ie. On 08/12/2012 I was very surprised to see on online that my Claims are rejected showing.
Remarks :- We have perused the claim records relating to the above insured-patient sent to us seeking reimbursement of hospitalization expenses for the treatment of ACS/STEMI/PTCA. The insured-patient was admitted in the hospital on 18.10.2012 and as per the medical certificate of the treating doctor and the discharge summary of the above hospital, the insured patient has symptoms of the above disease from 17.10.2012 which falls during the first 30 days from the date of commencement of the policy . As per Exclusion 2 of the above policy, the company is not liable to pay any claim pertaining to treatment of diseases contracted during the first 30 days from the date of commencement of the policy. We therefore regret our inability to admit your claim for the insured person under the above policy and we hereby repudiate your claim.
When company is taking premium for 12 Months and the person insured is cover for 12 months then why the first 30 days from the date of commencement of the policy is not covered. That means company is taking premium for 12 Months and covering insurance for 11 Months WHY!
Kindly Help Me, since I am already in debts.
Regards

Dear Sir

I had taken health insurance from star health & allied insurance company limited from Chennai on 09/09/2010 and paid a premium of Rs. 4054 for sum assured of 2 lakh. The scheme name is Family Health Optima Insurance Policy. Its for 2Adult + 2 Children. My age was 40 years
Policy Number P/700001/01/2012/004333

And the same policy I renewed on 12/09/2011 and a premium of Rs. 3648 was charged as I had not used the policy for any hospitalization.

For the past two years I never used this service for any hospitalization.

And now for the renewal of the same policy I got a call from telesales representatives from Star Health company and are asking me to pay Rs. 7612/-. The reason for the increase as they claimed was that they have increased the sum assured from 2 lakh to 3 lakh and host of other day care hospitalization was added on.

My complain is that :
1. Taking a policy and the sum assured is left to the policy holder and not to be enforced by the health insurance company.
2. I had told them that I am more comfortable with the plan called family health optima and interested in the continuation of the same policy. But the star health company gave me the reply that they have withdrawn the family health optima policy and I have to buy this new policy.
3. When I protested against their forceful introduction of new plan as I wasn’t interested in it, then they are giving me another policy called family health delight. In this policy I will have all the benefits of the old family health optima policy but the premium will be 5618 which is almost the double the amount I need to shell out
4. When I took the policy initially they had promised that they will never increase the premium and will remain as it is in the brochure but they have gone back with their commitment and in the guise of introducing new policy plan they are forcing the customer to buy their policy with higher premium.
5. As per their commitment they are supposed to give me 10% reduction during the renewal of premium if a customer is not used the policy, but here, I am forced to pay almost double the premium for no fault of mine. (log into http://starhealth.in/health.php?healthid=16)
6. They have not given me sufficient time to shift the policy to other insurance company. My renewal date is on 12/09/2012. card no.[protected]

I request you to look into this complain and give me justice and safe guard the interest of thousands of customers who are being taken for a ride unjustifiably.

I have attached the copy of policy details. Below are the details of email communication which I had with the star health company.

Please do the needful and save common people.

Sincerely
Anthony K
[protected]

My mother in law has taken policy ( P/141124/01/2012/009576) from Star health insurance on Dec2011. 3 Months later ,When she visited the doctor for general check up as she is a diabetic , she undergone UG scan for abdomen and pelvis and it is found that there is “ ovarian dermoid cyst tumor ” with size 6.3X4.7X4.3 sze . Doctor suggeted the operation and she under went operation . Star health rejected...

HELLO EVERYBODY MY NAME IS INDERJIT SINGH BAL I TRY TO RENEW MY STAR HEALTH INSURANCE ONLINE ON 2ND JULY BUT DUE TO SOME TECHNICAL SNAG MY INSURANCE DON'T RENEW BUT STAR HELATH INSURANCE DEDUCTED AMOUNT FROM MY CREDIT CARD . WHEN I CALLING THEM THEY ARE SAYING EVERYTIME THEY ARE LOOKING INTO THIS MATTER & THEY WILL RENEW MY INSURANCE BUT NOTHING HAPPENING & MY LAST DATE OF RENEWAL IS 5TH OF JULY PLEASE TELL ME ANYBODY WHAT WILL...

I had taken a Family Floater Medical Insurance Policy from Star Health Insurance.


Named Insured: Kala Nair, Sunil Nair and Varsha Nair
Policy Type: Family Health Optima Insurance Policy
Policy No.: P/181211/01/2012/000595
Sum Insured: Rs.3,00,000/- (Floater)
Policy Period: 13.5.2011 to 12.5.2012

Unfortunately all of my family had to undergo treatment for Jaundice and was admitted to Ernakulam Medical Center hospital on 13th Oct 2011 . I contacted Star health when we were hospitalized and the hospital was in the Network hospital list of Star health providing cashless facility. When we were discharged on 27th Oct 2011 I was asked to pay Rs 37299 towards the hospital expenses even though the hospital was providing cashless facility. I had no other option but to pay the amount as the hospital won't discharge us without the payment. This was very painful for me to arrange the amount at such short notice. I contacted Star office and they had given me different opinion about what had happened. I was assured that the money will be refunded to me as this was deducted in error. I had reminded them so many times by calling them and writing letters to them. I have copy of the letters with me which were submitted to them on 11 Nov 2011 & 15th Mar 2012 by hand (Copy with Star Health Insurance Seal stating they have received a copy of the same). Also I have emails from them mentioning they will get back to me within 7 to 10 working days which was on Mar 17th 2012 with Service request number SRV[protected]. I had further tried to chase this mail request and on April 6th I received a mail from them stating that

"We will look into this details and get back to you at the earliest."

So far they have not come back to me.

Kindly look into this matter & do the necessary at the earliest

Thank you
Kala Nair, Sunil Nair

Dear Sir,

I have taken Senior Citizens Red Carpet Insurance Policy from Star Health and allied Insurance Company Limited.

Policy No. - P/151111/01/2012/003560 renewed on 11/01/2012 to 10/01/2013 Total Coverage is Of Rs. 2,00,000.00 (Rupees Two Lac Only).

Claim No - 0121178

1st Policy date is 11/01/2010

I have undergone both knee replacement surgery in Jan 2012. This comes under major surgery.

The brochures published by the Company states that they will pay 60% of the Sum assured which comes about Rs. 1,20,000.00 (Rupees One Lac Twenty Thousand)

As remb company has paid only Rs. 81,000.00 (Rupees Eighty One Thousand Only) and stating that they have made all necessary payments and unable to pay further amount.

I don't have any preexisting disease and had never gone any major medical treatment before this surgery.

How can Company reject my claim? This is case of cheating. I have send emails to Insurance Company, Grievances dept and even to Insurance ombudsman to Mumbai office.

I am not getting any reply from any concern person.

Pl guide what I am supposed to do.

Regards,


Mangal Kulkarni,
Pune

i have took family health optima policy on 09/02 2012 through mr. ajeet bakshi.my policy no. is P/161115/01/2012/002802. the intermediary code is BA[protected].
i have not received my health cards yet.there is a mistake in date of birth of my wife and daughter in the bond which i have received .
the agent is not receiving my calls.i even called the branch head but the problem is not yet sorted out.
i am not sure what kind of service the company is giving if this is this there behaviour towards their customers.i am also thinking about switching over to some other company.

I have taken a personal mediclaim floater policy from Star Health for my parents. The policy was taken on July 2008 and renewed all through out. My mother was detected with Liver disease in May 2009. However I decided to use my employers' mediclaim policy (Bajaj Allianz) which covers my parents as well and it worked well till this year. Unfortunately, my mother went through couple of hospitalization in year[protected], which exhausted my employers' mediclaim limit. Also my mother was diagnosed with Knee problem just about 6-9 months back and was suggested by doctor to go through Knee Replacement Surgery, which we decided to take up using the personal insurance of Star Health. Initially Star Health rejected to give us Cashless facility for Knee Replacement Surgery because of Liver disease. Later when we submitted the claim, it rejected it, saying we did not disclosed the Liver disease which existed before July 2008.

I have requested to reconsider the claim based on the ground that Knee Replacement has nothing to do with Liver disease. Also I provided the first consultation letter for Liver disease when my mother was first hospitalized way back in May 2009. I am awaiting for response from the Star Health for reconsideration of claim.

I am seeking help to recover my claim and also wanted law to take severe action against the Medical Insurance policy companies for troubling genuine holders during their critical times. The reason I say this is because, although I have provided them with all the documents which states the medical history, they denied the claim. Hence I seek severe punishment / action on such companies.

REJECTION OF MY MEDICLAIM
Dear Sir,
I have a problem in Stomach on 03.11.2011 I had consult with Dr. Pragnesh B. Vora at Shlok Medical & Heart Hospital.
Dr. has checked me and advise to Sonography of Abdomen & Pelvis : ( 3d – 4D )
I had go through it and Report from Vivekanand Imaging Centre on the same day.
As per Dr.’s advise I had decide to Endoscopy from Dr. Sanjay Lalchandsingh Rajput at...

STAR HEALTH INSURANCE POLICY NO. P/161117/01/2012/000153. COMPANY HAS INCREASED ANNUAL PREMIUM FROM 6403.00 TO RS. 10809 FOR CURRENT YEAR AROUND 69% INCREASE OVER LAST YEAR. FOR THE LAST THREE YEAR I HAVE BEEN PAYING MY ANNUAL PREMIUM IN TIME WITHOUT CLAIMING ANYTHING FROM COMPANY. TRIED TO SOLVE MY PROBLEM THROUGH CUSTOMER CARE BUT NOBODY COULD REPLY MY QUERY. FOLLOWING IS THE MAIL SENT TO CUSTOMER CARE BUT REPLY IS STILL AWAITED.
THANKS
SANJSTRANGE………..
ON 27TH MARCH 2012 I CONTACTED CUSTOMER CARE NO.[protected] GURGAON TO KNOW THE EXCAT PREMIUM AMOUNT BUT NOBODY HAD ANY ANSWER AT CUSTOMER CARE. I WAS GIVEN A NUMBER OF MR. VIMAL KUMAR ([protected]) WHO ALSO COULD NOT REPLY MY QUERY AND REQUESTED ME TO GIVE ONE DAY TIME. HE HAS BEEN CONTACTED TODAY & ANOTHER TWO HOURS TIME WERE REQUESTED TO REPLY MY QUERY. BUT THE MOBILE IS SWITCHED OFF.
KINDLY REPLY IMMEDIATELY
THANKS
SANJAY SAXENA

From: SANJAY SAXENA
Sent: Tuesday, March 27, 2012 1:05 PM
To: 'renewals'
Subject: RE: Policy Bazaar: Renewal of Health Insurance Policy

THANKS A LOT FOR INFORMING ME TO PAY MY HEALTH PREMIUM IN ADVANCE. I JUST WANT TO KNOW WHY THE AMOUNT OF ANNUAL PREMIUM HAS BEEN INCREASED FROM EARLIER Rs. 6403.00 to 10809.00 AROUND 69% INCREASE FROM PREVIOUS PAID PREMIUM. KINDLY PROVIDE ME ALL THE DETAILS REGARDING THE SAME TO ENABLE ME TO PAY THE PREMIUM IN TIME.
ALSO TO MENTION THAT I HAVE BEEN PAYING ANNUAL PREMIUM IN TIME FOR THE LAST THREE YEARS AND NOTHING HAS BEEN CLAIMED TILL DATE.
THANKS,
SANJAY SAXENA

From: renewals [mailto:[protected]@policybazaar.com]
Sent: Monday, March 26, 2012 6:16 PM
To: SANJAY SAXENA
Subject: Policy Bazaar: Renewal of Health Insurance Policy

Dear Mr. Sanjay Saxena.

Greetings of the day from PolicyBazaar.com!

This is to remind you that your Health insurance policy (Policy number P/161117/01/2012/000153) is expire on 16th March, 2012.

The premium payable by you this year is Rs.10809/- (inclusive of taxes) for Star Health Insurance.

You can make the payment online using credit card or net banking.

Once we receive the payment the renewed policy would be sent to you within 10-15 working days.

We would be delighted if you renew your policy with us and give us the opportunity to serve you again.

Looking forward to serve you for all your immediate and future insurance requirements.



Thanks and Regards

Poonam Yadav
Renewals Team
PolicyBazaar.com
Plot No-119, Ground Floor,
Near LIC Office,
Sector-44, Gurgaon - 122001

Tel:[protected]
Fax:+[protected]/02
www.policybazaar.com

Please feel free to get in touch with our experts for any assistance required regarding insurance at[protected] or send an e-mail to us at [protected]@policybazaar.com.
AY SAXENA

my self rakesh kurani living at lakhtar. i am a customer of star health allied insurance co since 3 years. i have make my first claim on 18 jan.2012 about operation of haemorrhoids with polyps. my claim amount was 14213.00 rs. they gave me only 12701.00 rs. my policy no is P/171215/01/2012/004637. my claim intimation no was CLI/2012/171215/0123059. they deduct 1512 rs. & reason given by them was REASONABLE & NECESSARY EXPENSES IN...

I filed a medical insurance claim on 10.9.2011 to Star Health and Allied Insurance Co. Ltd. in their Jaipur, despite of repeated calls they did not settled my claim that is of very small amount of Rs. 1467/-


Policyholder name. Ram Swaroop Singh
claim of my wife Raj Kanwar
Policy no. P700001/01/2012/003781
Claim No. 0058385

Dear Sir,
I have a problem in Stomach on 03.11.2011 I had consult with Dr. Pragnesh B. Vora at Shlok Medical & Heart Hospital.
Dr. has checked me and advise to Sonography of Abdomen & Pelvis : ( 3d – 4D )
I had go through it and Report from Vivekanand Imaging Centre on the same day.
As per Dr.’s advise I had decide to Endoscopy from Dr. Sanjay Lalchandsingh Rajput at Maninagar and there for I was admit in Shlok Hospital on 10.11.2011 at 8.00 a.m. under Dr.’s observation on 11.11.2011 the Endoscopy surgery on me for a half and one hour timing has taken and discharge from there and come back to Shlok Hospital and very next day on 12.11.2011 at 10.00p.m. I am discharge from the same.
During my all treatment I had inform to Star Health Insurance they have depute their responsible person and after all with all necessary documents I had put up a reimbursement claim with Star.
But any way they are rejected and not considered my claim.
However let me clarify that in past I have not a single pain. And as per the company policy they had my MER at Parimal Hospital on 05.02.2011 at the approval of my policy at that time also there is not a single query has been seems.
In this connection I would like to come with your office for settle my claim as early as possible.
Action in this regards highly appreciated.

Narendra Bhatt
( [protected] )

THIS IS TO SUBMIT THAT MY POLICY NO. IS P/161112/01/2012/004519 AND MY CLAIM FOR REIMBURSEMENT IS 0122606. I HAVE BEEN DIAGNOSED FOR DERMOID (LOWER ABDOMEN) AND WAS ADVISED FOR IMMEDIATE TREATMENT OF THE SAME BY SURGEON. IT HAS BEEN QUITE UNJUSTIFIED, PAINFUL AND INCONVENIENT THAT EVEN AT THE TIME OF ADMISSION IN THE HOSPITAL AND TIMELY SUBMISSION OF ALL REQUIRED DETAILS, CASHLESS DENIAL WAS DONE ON SOME PRETEXT OR THE OTHER.
NOW SINCE I HAVE BEEN OPERATED UPON AFTER ALL NECESSARY CHECKS AND DIAGNOSIS AND AM UNDER HEALTH RECOVERY, MY CLAIM FOR REIMBURSEMENT IS BEING UNNECESSARILY DELAYED.
SINCE I HAD TO BORROW MONEY FOR MY OPERATION, THIS IS KINDLY REQUESTED TO REIMBURSE MY CLAIM AT THE EARLIEST.
REGARDS,
SHUBHA MALVIYA W/O TEJ MALVIYA
[protected] [protected]

BHARAT B VOHERA
28,29 SUNDAR CHAMBER
22/02/2012
STAR HEALTH & ALLIED INSURANCE
NUNGAMBAKKAM,CHENNAI
SUB-UNDIGESTABLE DEDUCTION IN CLAIM SETTLEMENT

DEAR SIR,
MAY I CONCERN THAT I HAVE BROUGHT FAMILY HEALTH OPTIMA IN YOUR COMPANY

AT 17/09/2010. MY POLICY NO.-P/171217/01/2012/004077 AND MY PREVIOUS POLICY NO.-

P/171213/01/2011/006217.AFTER THAT MY WIFE NAYANA B VOHERA WAS ADMITED IN PARIJAT

MEDICAL HOSPITAL FOR MALARIA AT 12/09/2011.MY CLAIM INTIMETION NO-0065547. HOSPITAL

AND MEDICIN BILL I HAVE CLAIMED AMOUNT WAS Rs.18,672.BUT YOUR CLAIM SETTLEMRNT IS

ONLY Rs.10,000.CLAIM AMOUNT WHICH I HAVE RECEIVED IS NOT DIGESTABLE AND PER YOUR

POLICY TERM & CONDITION THERE IS NO SUCH LIMITS.KINDLY LOOK IN TO THE METTER & GIVE MY

DEDUCTED AMOUNT Rs.8,672 AS EARLY AS POSSIBLE.OTHERWISE I AM GOING TO COMPLAIN IN

CONSUMER FORUM.
THANKING YOU!
YOUR’S FAITHFULLY

BHARAT B VOHERA