Star Health And Allied Insurance Complaints & Reviews

My sister-in-law is very much suffering from painful LIPOMA (B/L auxiliary swelling) but STAR HEALTH AND ALLIED INSURANCE CO. LTD Company say it is painless normal swelling...

Previously we discuss with agent and STAR HEALTH AND ALLIED INSURANCE CO. LTD Member about is operation they say it is ok and your must PASS but at the end of operation when we claim they break his promises...

Our Cliam intimation number : CLI/2015/17/1214/0002047
Our Policy number : P/171214/01/2014/004057

PLZ CONSUMER FORUM LEASING OUR MIDDLE CLASS FAMILY PROBLEM

P/141126/01/2014/000462


First of All, This medi classic policy wasn't required to us, but we forced to purchase along with Diabetic safe policy.

This is an EXTRA burden to those who bought Diabetic safe policy.

Again, Star Health is raised premium almost doubled Rs 3500/- for Sum insured 1 Lakh to Rs 7000/- for sum insured1.5 Lakh.you said you got an approval from IRDA for same, Kindly provide me a copy of IRDA.

I'd like to see a copy of same.- Tier 1 and Tier 2 for Sum Insured 1.5 Lakh remains same
( Why this difference for 1.5 Lakh with the rest slab.- Health checkup cost reimbursement on completion of block of 4 claim free years - USELESS for those who's SUM insured is 1.5 Lakh.

This means, many people come under 1.5 Lakh amount sum insured slab. Star health try to keep them in DARK.Instead of forcing this on all policies, you could given option to policy holder to opt or else, you must have obtained policy holder approval.

Why did you removed "No Claim Discount " ???

Hello, My maternal uncle is in hostipal (SPS APOLLO LUDHIANA) suffering from sever brain Hemorrhage, and he has a valid health insurance from STAR HEALTH, on the very first day, I had informed them about this incident and even submitted all the necessary documents to the hospital which was forwarded to star health. They had said that claim is not possible because of pre-disease but that is no true, patient was not suffering from any disease previously and even the doctor at APOLLO hostipal confirmed that by writing to them. Then also they denied the claim with the same stupid reason. He is still on ventilator and we are not financially that hard to continue his treatment this way. I have contacted them many times but they are not listening. The claim number is 0218727. The name of the patient is Sanjay Gupta. He was admitted at Oswal hostipal on 6th Feb, 2014 from where he was shifted to SPS APOLLO HOSPITAL LUDHIANA. He is still in ICU on ventilator and besides taking care of him, I am going through all this. They are really fooling their customers. I hope some one can help me regarding this. Thanks and Regards, Saurabh Singla Email: saurabh.[protected]@gmail.com Contact: [protected]

i have taken mediclaim policy from STAR HEALTH AND ALLIED INSURANCE CO. LTD.since last 4 year and it is renew intime.But in last year they have refuse my claim under PED CLAUSE. At the time of my first pollicy they have taken all medical formality to issue policy and they found no PED in both person. then how can they refuse my claim under policy no- P/171200/01/2013/002371.

​Ref.: P/191212/01/2013/001882
Claim intimation No.: CLI/2014/191212/0189580
Ref. E-mail Dated 26-Dec-2013 and 28-Dec-2013 to Star Health Grievance department is same as support, what can we expect from Star Health?


from: grievances <[protected]@starhealth.in>
to: Bijaya Kumar Mohanty <[protected]@gmail.com>

cc: info <[protected]@starhealth.in>,
support <[protected]@starhealth.in>,
cuttack <[protected]@starhealth.in>

date: Fri, Jan 3, 2014 at 12:06 PM
subject: REOPEN REQUEST IN CASHLESS CLAIM

Dear Sir/Madam,

We confirm the receipt of your mail.
Please find the Service request number ---SR[protected]----- for your reference

With Regards,
B.BHUVANA

Customer Support

Star health & allied insurance


Dear Sir/Madam,

I have received from Star health denied with reason fax Letter on dtd 28-Dec-2013.

In this letter they have indicated below details for your ready information.

[On a scrutiny of the details furnished by you, we are of the opinion that the claim of insured-patient is not admissible under the above insurance policy issued to him for the following reason.
There is non disclosure of pre existing disease - CAD/IHD/HTN PRESENT LONG BEFORE POLICY INCEPTION during inception of the policy - POLICY WOULD NOT HAVE BEEN ISSUED IF DISCLOSED, PRESENT CLAIM THUS BECOMES NULL AND VOID.
Hence, you request for authorization for cashless treatment of the above insured-patient is denied.]

I have requested Grievance department that why you have denial without did any physical verification. They have revert me on dtd 03/01/2014 that Reopen request in cashless claim.

Star Helath you have to clarify: what is meaning of your e-mail sent from you? and I have also intimated by E-mail that my mother's Discharged.

During brought Insurance policy, Star health arranged Medical treatment for my parents and same report collected by Star heath from diagnostic Centre without any information to us and Star Health issued insurance policy on 2010. So, Where, Who & Why will have hiding these kind of written above diseases information for this policy.

I have followed star health Grievance Procedure's but Grievance team late responded that written in BLUE for your ready references.

At last, I have totally disappointed and hopeless as basis of their procedure that means Grievance department not responded positively. so that I am marked this E-mail to IRDA authority for Level-4 because of they have been disappointed me.

Kindly do the needful and my mother was discharged from hospital on dtd 05/01/2014.

This policy was started on 2010 to still continuing.


Thanks & Regards,

BIJAYA KUMAR MOHANTY

Ulsan, South Korea

+[protected]

Caveat Emptor. Star Health and Allied Insurance Co Ltd. This is for the benefit of Indian citizens who avail of medical insurance. I had recently taken an Individual Medical Insurance from Star Health Assurance vide their agent in Mumbai, India. This was to oblige an agent of theirs who was very helpful to me with regard to purchase of some consumer electronic items and their repairs. I was covered by a medical insurance taken through Oriental Insurance Company for the past three years. I decided to discontinue that and shifted to Star Health Assurance on his request and advice, since I was told that the Star Health policy was cashless and accepted at Hinduja Hospitals where I had been for my medical checkups. The cover was for Rs 300, 000/-(Rupees Three hundred thousand only). One year passed and this year, in September 2013, I renewed it for Rs 5, 00, 000/- ( Rupees Five Hundred Thousand only). I have never been hospitalized and have no diseases as indicated in my medical records. The company mentioned that I would be entitled to a no claim bonus. This meant that my policy would be for Rs 5, 75, 000/-( Rupees Five Hundred and Seventy Five Thousand Only). Now, when the policy came to me, there is no mention of any No Claim Bonus and the policy was not the formal contractual document that is provided, but a single sheet of paper called a schedule which mentioned the cover amount at Rs 500, 000/- ( Rupees Five Hundred Thousand Only). My repeated requests for a revision of the documents went unheeded for two months and even after I approached a senior manager of Star Health by the name of Tarakeshwar Mishra, who argued in my favor. The response was lukewarm. I got a letter vide email, which was titled "endorsement" and mentioned some amounts which included Rs 515, 000 and also Rs 10, 00, 000/-. This did not make any sense and I approached the IRDA Ombudsman. The Ombudsman did not respond for a fortnight or so and I called them up. They responded on the second call and a token number was given. The response from Star Health to this is attached below. It is ridiculous for the following reasons: It has been sent by courier and states that I did not register my email id in my complaint with the IRDA.This is a blatant lie. The complaint itself was filed from my email id to the IRDA and forwarded by them. Star Health themselves had been corresponding with me vide my email id!! Secondly they claim that "due to some technical problems, the no-claim bonus is not getting reflected in the policy"!!! This raises the question of whether Star Health Assurance is actually qualified to be a medical insurance provider? If they do not have the systems to identify policies accurately, the amount insured correctly, how can they process cashless payments to policy holders? I think Mr T.S. Vijayan should suspend their license till they are ready to function with all their systems intact and functional. Else the company will be violating recent Supreme Court Judgements regarding provision of medical insurance beneifts. ENDS

I WISH TO BRING IN NOTICE OF ALL CONCERNED PERSONS AND ESP IRDA AS THIS IS THE HIGH TIME THEY SHOULD TAKE ACTIONS AGAINST THESE TYPE OF FRAUD COMPANEY WHOSE MAIN AIM IS NOT TO INSURE THE PERSON BUT TO LOOT HIS OR HER MONEY BY VARIOUS STUPID EXPLANATIONS AND WANT TO EXPLOIT THE PERSON WHO IS ALREADY UNDER STRESS OF MEDICAL EMERGENCY
I TOOK ONLINE POLICY FROM STAR HEALTH IN MARCH 2011 OF MY MOTHER LAJJA BANSAL WITH POLICY NO P/700002/2011/001636 WITH SUM INSURED 1 LAC THAN IN NEXT FOLLOWING YEARS I.E. IN 2013-14 IT BECAME POLICY NO P/700002/01/2013/012426 WITH SUM INSURED 400000[4 LAC] .AT THE SAME TIME IN MONTH OF MARCH 2011 I TOOK HEALTH INSURANCE OF OTHER 5 MEMBERS OF FAMILY TOO
MY MOTHER TOOK CONSULTATION FROM DR VINOD AGRAWAL HERE AFTER HAVING LOTS OF PAIN DURING WALKING IN THE MONTH OF JULY2013 AND AFTER INVESTIGATION HE REFERRED HER TO DR ASHOK RAJGOPALAN MEDANTA HOSPITAL AND HE ADVISED B/L TKR FOR THAT WE PLAANED HER TO BE ADMIT ON 16TH DEC2013
FOR THIS TO AVAIL CASHLESS FACILITY WE PROUCED CLAIM UNDER CLAIM NO 0175328 AS WE WERE TOLD EXPENSES OF NEARLY 4.5 LAC AT HOSPITAL AND SHE WAS HAVING 4 LAC SUM INSURED
NOW HERE COMES PLAY FROM STAR HEALTH WHO WANTS TO CHEAT ONLY
1]FIRST OF ALL THEY DENIED THE CLAIM GIVING EXPLANATION THAT THE PERSON HAS ONSET OF DISEASE PRIOR TO INITIATION OF POLICY
2]ON ARGUMENT ON SAME NEXT DAY THEY AUTHORISED THE INSURANCE BUT TO ONLY 50000[FIFTY THOUSANDS] GIVING EXPLANATION THAT WE CAN GIVE 50% COPAYMENT ON SUM INSURED OF 1 LAC, , , ,
3]ON AGAIN ASKING HOW AND WHY THIS 50% APPLY? AND PERSON IS HAVING COVER OF RS 4 LAC FROM MARCH 2013 TO MARCH 2014 THEY DONT HAVE ANY SATISFACTORY REPLY
NOW I CHALLANGE DR PRAKASH SUBBARAYAN WHO IS MEDICAL EXPERT HEAD TO PROOVE WHICH DAY SHE GOT THIS DEFORMITY AND I WILL PROOVE HER DISEASE ONSET TIME SAME IN COURT OF LAW AND HOW YOU CAN CHANGE SUM INSURED FROM 2013-14 FROM 4 LAC TO 1 LAC
I THINK WE SHOULD GET FULL BENEFITS UNDER IRDA RULES AND REGULATION AND WE ARE BEING DENIED DESPITE GIVING SO HEAVY PREMIUM EVEN WHEN PERSON CONCERNED STILL BELOW 65 YRS
I DEMAND FROM IRDA AND CONCERNED PERSONS TO TAKE STRICT ACTION AS SOON AS POSSIBLE OTHERWISE I WILL TAKE THIS MATTER TO COURT OF LAW AND WILL NOT LET YOU TILL SUPREME COURT AND BOTTOMLINE PERSON TO MAKE AWARE NESS
DR AMIT BANSAL
199 JALESAR ROAD
FIROZABAD
U.P
MOB-[protected]
CLAIM NO 0175328 (STAR HEALTH]

This is regarding the renewal of my father's mediclaim policy which was cancelled without prior notice by Star Health and Allied Insurance Company. We have ben following up with the company to get our reimbursement in the first year of the policy. After much difficulty, we got the reimbursement cheques but when we inquired about the renewal policy we were informed that it was cancelled on 29th October. We were informed about this on the 19th of November when we went to the branch to collect the cheque. On inquiring about the reason, we were informed that it was due to a prexisiting disease. My father is suffering from gall Bladder cancer and we had already informed/discussed that the patient did not experience any prior symptoms of cancerous growth in the Gall Bladder and it was confirmed by reputed oncologists that the prognosis in this case is extremely poor and symptoms can be felt by the patient at a later stage. This has been acknowledged by the doctors at Star Health basis which our claim was processed and we received two reimbursement cheques dated 9th Nov 2013. Despite this acknowledgement, the policy was cancelled. On calling the customer care number, the representtive said that the due date is 21st nov 2013. We have also wriiten a complaint today, 20 Nov -see attachment. We have spoken to a representative from Star Health but the answers have been unconvincing. On the second call the representative said the policy has expired and the complaint will take 5 days to be resolved. I have already asked them to expedite the case since the last date to renew is 21st Nov. Star health Insurance has been extremely uncooperative and harrassing at a time when we need monetary help. On 26th Nov, the customer care rep informed that the complaint is being processed and it will take another 7 days. The complaint was filed on 20th Nov. also, no reason was staed for cancellation, neither have we recieved any notice from Star Health. The lst date for renewal within the grace period is 20 Dec.The policy details are as follows: ame of the Insured Patient - Rajinder Gupta Product Name - Senior Citizens Red Carpet Insurance Policy No - P/161116/01/2013/001669 Policy Period - 21st Nov 2012 TO 20th Nov 2013

Hi, I had taken a Health Insurance for my father around 2 months back. I had taken senior citizen Policy as my father is 60. My father was diagnosed by Parkinson's Disease 3-4 months back. I had mentioned the same in the policy. After couple of weeks, I got an email saying that policy has been cancelled due to medical reasons. I got the re-fund as well. I have no issues with this so far. But a week back, customer care guy from Start Health called me again and asked me to take the policy again and told me that, they can take the policy if the disease is from last 2 years and he convinced me that they will process the policy this time. I took the same policy again and this time also i clearly called out the disease while taking the policy. And today, I again got the email saying that policy has been cancelled. I know, you may have the rights to cancel at any time the policy. But this is not the way you should treat your customer. You people came back to us and promised and convinced me to take the policy and cancelling the policy again. I am deeply hurt and embarrassed by the behavior of Star health insurance. Thanks, Raghavendra Hegde Mobile :[protected]

Dear sir, I renewed my policy # P/700002/01/2013/006141 and my confirmed debit immediately the transaction was on 14th morning till date and time neither i received any confirmation or my renewed policy copy in spite of number of inter action with their Support team and nails, I have to renew one more policy I am afraid the way they handle.For example same on 14thOct I have renewed LIC Policy, i received immediate confirmation and receipt y bank transaction details are as follows. .Transaction Details Account Number [protected] Transaction Date 14/10/2013 Transaction Amount INR 5, 000.00 Transaction Type DR Transaction Description ICONN/86869489/141013/STARHEALTH CITRUS With Regards, MSGOPALAKRISHNAN [protected]

I am a Customer of Star health for last three years. Till now I didnt make any claims, so I didnt have any problems. Only renewals was happening yearly. Issue started when my father In Law got admitted to a Hospital, which is listed in their Network list. Hospital told that they cannot give Insurance for Star Health as they are in their Black list. I called up Star Health and told the issue. They told, don't worry, just have to send the Bills and Discharge summary, they will reimburse the amount. But now the issue is they are asking for very old bills, reports etc. which my Father In law is not able to submit, as they are old. I have taken the Senior Health Insurance just to make sure that they will be treated well in a Network hospital I have taken the Policy just because the hospital which was admitted is in Network list. It looks like they are cheating my Parents in the name of Old Bills and reports. This is my first step of action againt Star health. I am going to file a complaint in Court against them, for not granting th claim. They are deviating from the promises. Anybody has the similar experience, please join with me. We will file the case against them together.

I took policy with start health insurance for my mom on august 2012 the first problem i faced was dob was incorrect then i gave the bond to my agent for correction she said i need to send an email with mentioning the correct dob. after that i received the bond on December-2012 but still now i dint receive the id card also sent so many emails not responding for any emails also by direct walk-in i went to the insurance office for that they are saying will be sending sooner but i dint get any response from them please help me out struggling a lot with Star health insurance .

POLICY NUMBER: P/161117/01/2014/001066
STAR HEALTH INSURANCE


I BOUGHT A HEALTH INSURANCE POLICY FROM STAR HEALTH FROM POLICYBAZAAR.COM,
PAYMENT WAS DONE ON[protected] TO POLICYBAZAAR.COM...
MEDICALS WERE DONE ON[protected]
AND I GOT THE POLICY NUMBER THROUGH E-MAIL ON[protected]from policybazaar.com), AND THE HARD COPY FROM STAR HEALTH ON[protected]

HOWEVER IN POLICY THE POLICY START DATE IS 26/04/2013 BUT THE PROBLEM IS THAT I GOT THE POLICY NUMBER ON[protected], THAT MEANS THAT THEY HAVE CHARGED EXTRA FEE FROM 26/04/2013 TO 10/06/2013....

THEY HAVE CHARGED EXTRA FEE FOR THE PERIOD I WAS NOT KNOWN OF THE POLICY NUMBER FOR 46DAYS

PLEASE HELP THEY HAVE CHARGED FOR 46 USELESS DAYS..
HELP REQUIRED..
:((((

This is with regards to my mediclaim policy (Customer ID No[protected] which I took on 16/10/2012. I had a medical condition on 6th Feb - I felt numbness in one side of my body (arms & legs) - I visited the doctor nearby my home & doctor referred me for the following tests ECG, Lipid, blood sugar, uric acid etc. I got these tests done & the reports came out to be clear. On 14th Mar, I again had a black out for which doctor recommended MRI of the brain. Report of the MRI revealed hetrogenous lesion in right parietal lobe.

We had applied for cashless surgery for removal of the tumor from the brain - the claim has been rejected citing reasons like there is suspicion that the patient might be suffering from the ailment before coverage of the policy. I have been following up with the Chennai Unit - [protected] (Anandi) requesting to help in expediting the approval process as we were waiting in the reception of Fortis Hospital in Gurgaon; however all the communication has been in vain.

As the last resort I spoke to Mr Rajnish Kohil ([protected]) whose details were mentioned on the website for customer grievances as well.

We have been told that this claim is rejected as cashless & I can apply for reimbursement - the entire series of events has been a mental harrasment for me, delaying start of my treatment in Fortis Hospital (I am scheduled for the surgery on 18th Mar).

Hope someone responsible person in Starhealth goes through the mail & helps me during this distress. I would be forced to take a legal route for mental harrasment, lack of support from Starhealth, & artifical reasons for rejection of my claim.

Thanks
Sunil Tandon

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 the payment of a single premium under a single sum insured.
Now my mom is very sick and she needs to undergo a surgery. She is been detected by a SIST in her stomach. She has an extreme pain in her stomach and needs to be operated asap. But, my parents are not in a situation where they can afford to pay for the operation so did they plan for a Family Insurance two years ago. The third yearly premium is due in the month of APRIL-2013.

My concerns:
• Why should you people specify single premium and the agent who made us enroll into this policy never informed that “WE CAN AVAIL THE CLAIM ONLY AFTER 3 YEARS OF THE PREMIUM PAYMENT” or else we have many other better policies available in the market.
• Till now we did not even claim a single Rupee from the Star Insurance people.

Request you to please respond to this concern. It would be of a great help and support from you people if you can.

You can contact me on [protected] or my dad (Srinivas) [protected].

Warm regards,

Lavanya Doodi
Marketing Associate | Federal Marketing
Deloitte Support Services India Pvt Limited
Deloitte - Block F | 11th floor, Building no.9 | Raheja IT Park | Madhapur | Hyderabad | PIN – 500081.
Andhra Pradesh | India
(India): +91-40–6747–5007 |
Fax: +91–[protected] |
 [protected]@deloitte.com |
www.deloitte.com |

Engage with Deloitte Public Sector:

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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