Star Health And Allied Insurance Complaints & Reviews

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

STAR HEALTH & ALLIED INSURANCE-POLICY NO.-P/171217/01/2012/000804 HARSHAD M PATEL

DEAR SIR,

MAY I CONCEN THAT I HAVE BROUGHT FAMILY HEALTH OPTIMA IN STAR HEALTH

COMPANY AT 11/05/2011.AFTER THAT I HAVE ADMITTED IN SHEELA A SHAH HOSPITAL SURAT

FOR PNEUMONIA AT 18/01/2012.MY INTIMETION NO-0123058.HOSPITAL AND MEDICIN TOTAL BILL

I HAVE CLAIMED AMOUNT WAS Rs.17,988.BUT COMPANY HAS SETTLED AMOUNT ONLY OF Rs.

10,765. CLAIM AMOUNT IS UN EXCEPTABLE. COMPANY DEDUCTED MY AMOUNT WITHOUT ANY

SPECIFIC REASON.COMPANY CHEATIN WITH US.SO PLEASE HELP ME AND SOLVE MY THIS

PROBLEM AS EARLY AS POSSIBLE

THANKING YOU!
YOURS FAITHFULLY

HARSHAD M PATEL

POLICY NO-P/171217/01/2012/001097-RAJESH DEVCHAND MODH
MAY I CONCEN THAT I HAVE BROUGHT FAMILY HEALTH OPTIMA POLICY IN YOUR COMPANY AT
26/05/2011. AFTER THAT MY SON YASH D MODH WAS ADMITTED IN NEW TECH SURGICAL HOSPITAL
SURAT AT 17/01/2012.AFTER GIVING DOCTOR'S ADVISE MY SON'S RIGHT LEG OPERATION WAS DONE. MY CLAIM INTIMETION NO.-0122683. HOSPITAL AND MEDICINE BILL I HAVE CLAIMED AMOUNT
WAS Rs.21,602. BUT YOUR CLAIM SETTLEMENY IS ONLY OF Rs.8,624. CLAIM SETTLEMENT IS UN EXCEPTABLE.PLEASE HEALP ME!

THANKING YOU!

sir/madam ,
As i am a customer of star health insurance , i have claim on health insurance which i have undergo a treatment in appollo hospital chennai ,my claim no :0103559, submitted for re immbesment but i got the message that claim is rejected through customer care . but till now i dint receive any of the claim rejection letter even though the given date is crossed i.e 17.01.2012 .please take necessary action for that i need the reason for rejection and even though with no replys .
thank you .

MY POLICY HAS EXPIRED ON 24TH NOV 2011 AND AND I VISITED 2-3 TIMES TO STAR
HEALTH BRANCH,MEERUT(U.P.) TO GET RENEWAL IN THE GRACE PERIOD BUT AFTER MAKING SO MANY CALLS MY GRACE PERIOD TERMINATED.
NO COMPANY EXECUTIVE INFORMED ME TO GET RENEWAL.

MY POLICY NUMBER IS - P/161100/01/2011/008407.

AFTER IT I SENT A MAIL TO STAR HEALTH CUSTOMER AND HE SAID ME TO SENT A CHEQUE AND I HAVE COURIERED THE SAME.BUT NOW I HAVEN'T RECEIVED MY POLOCY RENEWAL SO FAR.I ALSO TALKED TO THE COMPANY SALES OFFICES.AND I HAVE ALL THE MAILS WHICH I SENT TO THE THE CUSTOMER WITH THEIR REVERTAL.

CHEQUE DETAILS-

CHEQUE NUMBER-023805 (HDFC)

AMOUNT - 2349


I TALKED TO FOLLOWING COMPANY PERSONS REGARDING IT -

1- MR HIMANSHU - [protected]

2 - MR DIVY NIGUM - [protected]

3 - MR KHAN - [protected]

4 - MR MITTAL SALES OFFICER AT MEERUT BRANCH.

ALL THESE COMPANY PERSON WERE NOT ABLE TO HELP ME.

PLS HELP ME..

CAN U HELP ME IN THIS MATTER.

Read this if you are planning to buy star health policy

The person (Rajan Pandey) from start are very irresponsible after taking the payment. He call many times to take the policy, after taking the payment hen don’t lift the call or response back. I suggest nobody to go for Start Health Insurance. After one month i received the document of my amount and after 3 month i recived polciy document. Very Very Very Poor responsible person not so good to trust Start Health Insurance.

This is just start we have more surprise:

My Father took Senior Citizen Red Carpet Policy from Star Health. When he took policy he decalre that he was taking alchol and he quit that 8 months ago. In Sep,2011, my father admit on hospital due to high blood pressure and doctor admit my father for 10 days. We spent around Rs. 70,000/- on hostital. WE submitted all the papers to Star Health. After few month, they rejected the claimand mentioned the reason "Due to alcohol intake".

Again after few month my father admitted on hospital and again hospital made big bill and again surprise star health rejcted that case also.

We did some research over internet and found there is thousand of people got same response on their claim. They never paid any money.

I am sure this is happen with help doctor and start heath doctors. they are doing this because they only wana take the money and they are rejecting case with help of doctors.

We paid hefty amount to these people in last 2 years and they rejected the claim. It looks like Start health is only interested in collecting the insurance (May be, this is the reason for selling it Cheap)?

So our best advice is stay away from this company.

For start health people : You can check our claims CLI/201/161115/0107980
abd CLI/2012/161115/0014275. We tried to solve this with Rajan Pandey and gave many call and this is response what we got " Do whatever you wana do and don't call me again"

Advice : If you are getting same response from insurance company plz go and fill the case against the company in consumer court. I did the same. I will post decision of consumer court.

My Husband had undergone a Right THR surgery in March and the hospital bill was about 1,76,000/-
we had submitted for reimbursement with star and our claim no. 107209
and we had a Star Health Insurance policy which is 4 years old and we had taken this policy in June 2007 (it was Family Floating Plan)
and June 2011 level they charged 3 times of my renewal amount saying my claim is processing if i do not renew i will not get the claim.
and till date i am going pillar to post but no claim and now they say it is a PED and claim is reject.

my husband had not any previous illness till Feb 2011.
star health is growing with public money that should not be allowed
they have taken my 3 times my renewal amount and if i claim for that also their is no response form them.

i have payed total of 30,000/- to star till date.
i will fight for the same.

Respected sir, we have taken a policy to my mother on[protected] namely FAMILY HEALTH OPTIMA INSURANCE POLICY.Details of policy is


Policy no. p/131214/01/2012/000040

Proposers code:AA[protected]

Proposers name Kollipara lakshmi suguna
Issuing office code:131214 Guntur

with the above deetails yours agentMr.N.RAVIKUMAR comenced policy . Till to day we not received customer identitycard by post. So many times we make enquiries with your agent. But no use atall. kindly take necessary action,and send identity card immedeatly. with this policy we make another three policies also.For that all polices we get cards properly.So kindly do needful.
s

I Had taken a Health insurance Policy. (Coustomer Id: AA[protected]-1‏)

Coverage: 2 Lac; from Star Health. In 2007, when I took policy, I had declared that he has Diabetes. In Nov 2011, he was hospitalized for Acute Renal Failure and accordingly under went an operation for Circumcision, Hernia and Spleenectomy. We got him admitted in a hospital which fall in their cashless list. When the hospital sent a letter to Star health for cashless limit they denied the approval with following excuse "There is nondisclosure of pre existing disease during inception of the policy".(Claim no CLI/2012/171113/0093868)

When i requested an explanation on this they have stopped replying to my mails.

They are just interested in collecting the renewal cheques on time without fail and nothing else.

When we call them on toll free they tell its not the right department that you have called and give a local no of Mumbai . At Mumbai they say we did not process your claim the same is taken care by the Chennai office call on toll free and the cycle goes on.

I Gaurav Raj Prashar Policy holder of Star Health No. P/161113/01/2011/002113 Star Health Optima Insurance Policy for last 3 years and have not claimed any ammount till August 2011.
On 21st of Sep. 2011 i diganose with Post retrograde uretherogram hypotension and admitted to hospital and Dischare on 22/09/11. Hospital was not in the list of cash less. I submitted my claim after doing all the formality with Star Health Chandigarh office by 26/09/11 and they assuerd me for cheque within 15 to 20 days. I enquired with office ob 29/10/11 they promised me to call back with status. Today again 04-11-11 I inquired and i was surprised to listen that my claim has rejected due to pre existing illnes.

I am also going to file a case against Star Health for false commitments & harasment etc. I personally recomend not to buy any policy from Star Health.

Dear Sir,

I am a customer of Star health Insurance with Policy no P/151116/01/2011/000224 valid fom 10.04.2010. They have refused to reimbursed the hospitalization bills for the month of february 2011. Bill amount is Rs 27150 ( Twenty Seven thousands one hundred and fifty only). As per policy it should be reimbursed. Please guide.


Regards,

Ajay Rangari
Mob No. [protected]

Sir, I must accept one of the biggest mistakes in my life was to rely on Star Health and buy their mediclaim policy for my parents.
Last week only (12th October 2011), I had to take my father to the hospital and he had to be hospitalized. Unfortunately just after two days, my mother also fell ill and had to be hospitalized. My father was diagnosed with “Arbo Viral Flu” and mother was diagnosed with “Chickengunia & Typhoid”....

I am having an insurance poilcy from this company with insurance cover of Rs. 300000/-. This is my 3rd year of policy and I lodged a claim with the company on 20/8/2011 which was well received in the claims department in Delhi of the company. I kept on following up for the status of the claim with the customer support team which in turn assured me that the cheque is coming in one weeks time. To my disbelief, I was told by the customer care officials two days back that my claim has been rejected as it did not include hospitalisation for 24 hrs. But there are various procedures which do not require hospitalisation and still covered in policy. Why my claim is rejected. No one is answering to my emails which I am sending. I had undergone a surgical treatment which did not require hospitalisation and then the company, if as per poilcy, could have returned my documents stating it to me. But I could not understand why they kept sleeping on my documents for one month and then one fine day, during my discussion with customer care team, I was told about rejection. I need your assistance in this case and I need to have my claim approved.