Star Health And Allied Insurance Complaints & Reviews

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.

I am in mid of an email battle with Star Health and Allied Insurance and thought it is time to go ahead and write a review to appraise the general public on how this insurer is fooling and fleecing customers by denying claims when there is no case of denial.

Background is I had bought a senior citizen red carpet policy for my mother aged 60 and renewed it over these years for a sum assured of 2 lakhs. The good thing stated...

Dear Consumers, This is to inform you that please avoid going for Star Health Insurance as they rejected my first claim of 3000 Rs without giving me proper reason. When they want us to get insured make big promisec and when it comes to claim process they want to stay far away...I kindly advice not to go for health insurance like Star Health Insurance who only know to cheat people. Please save your imp and hard earned money.

Disgraceful, disgusting service from STAR HEALTH Insurance specialy Mangalore, Bagalore division as I am personaly hurt!!!

Thank you STAR HEALTH insurance company for cheating me and thousands like me! U have your turn soon by God!

I submit medical bills of Smt. Kamini Nigam to Star Health and Insurance Company for reimbursement but Star Health not Settle bill till date Please help me.

Son (Ajai Nigam)
Mob:[protected]

Respected Sir,
My uncle was taken a policy in star health and allied insurance co ltd as on date 13/05/2011 and policy inception date was 18/05/2011.This policy covered 1 Lakh sum assured of medical and 1 Lakh sum assured of life insurance. My uncle was dead as on 30/05/2011 due to CHORNIC PENCREATITIS disease.
According to claim Report we have claim to company but they rejected due to early claim and giving excuses that the patient had this disease as before 1 month. But according to doctor this disease cannot be known early without any laboratory test but sir I don’t want to say about mediclaim,I just want to say about death claim

Thanks Regards

Manish Singh

Very bad experience right from tracing the whereabouts of claim documents to the despatch of cheque. No one knows where the docs are and they keep giving you someone others reference and call back hopes. No replies to the emails sent on customer care id as well as grievance email id. The staff is arrogant and feels they are gods and can do anything. Reason i was given was that no employees in surat branch so your claim got stuck. why do you open a branch with no employees to process claims.

l will never go back.

I am Vineet and i have a madiclaim policy no.- P/161121/01/2011/000357 with star health.. In the month of march 2011 i went to Shroff Eye Center, New Delhi after having some problem in my right eye. They detected it as Retinal Detachment with a giant retinal tear & an emergancy surgery was done the same day. It was a major surgery & i was discharged next day from the nursing home after my post operative checkup, bendage,instructions & with prescribed medicines. I didn't carry my cashless mediclaim card with me so i paid my operation fee & room rent(discharge fees) by the help of my relatives which was around rs. 75000 & medicines extra. After reaching home i informed my agent & he at once informed the company's office at Noida & got the claim no. that is CLI/2011/161121/0107357. After some days the company send some quary to me to be filled by the Dr. & my Dr. quenched their thrust by every knowledge & information about the surgery which they asked in their questionaire. Afterward, the company did not respond even after giving several reminders by me at Noida office on phone for 3 months. Now, in the first week of july, i received their claim rejection letter on my e-mail that they have treated me as an OUT PATIENT as there is no active line of management done.I even didn't understand their point of rejection of claim of my surgery.This is a complete herassment of a patient by the medical company. Even,the company have charged about 4000/- more then the previous year's as policy renew fee,or can say, as a panelty of demanding the claim & even then they are not interested in settling the claim.But i will not leave them so easily. Just tell me,when i was admitted for a major surgery in the renouned nursing home for a night in the dr's observation then how can they treat me as out patient. My experience with Star Health is not good.I think, that all the health insurance company only allouring the people by their tempting fake promises.They want to collect the money by the people but dont want to give back as a claim to their client even after getting all the documentry proof they want.

I had obtained two health policies on 07-February 2011 from ‘Star Health and Allied Insurance’ in Chennai (T. Nagar branch).

I took Senior citizens Red Carpet policy (No. P/111113/01/2011/005071 valid from 07.02.11 to 06.02.12 Coverage: 2 Lakhs) for my father Sharad Annareddy (Age 63 years). I paid a total premium of Rs.9,326/- (via cheque no.420542 dated 04/02/2011). I had stated before taking the policy that he has Diabetes. The ID Card No.[protected] as mentioned in the schedule has not been delivered to me as on date. It has been more than 6 months since and I have yet to receive the Photo ID card that comes alongwith the policy. The company claims to have sent the ID card by courier but on asking for proof they were not able to produce the POD receipt. This clearly proves that they have been lying to me from the time that I have taken the policy.

On the same day, I had also applied for a Medi-Classic Policy with a coverage of 2 Lakhs for my mother Ranjana Annareddy. I paid a total premium of Rs.5,846/- (via cheque no.420541 dated 04/02/2011). Before starting the policy coverage, she was asked to undergo Medical check up from a Star network hospital at no additional cost. She under-went a complete medical test at Sanjivani Hospital (Dombivli, District Thane - Maharashtra). It has been a harrowing six months since then and I have yet to receive any intimation from Star Health on whether the policy has been issued. Multiple follow-ups with the company representatives have been futile.

I visited the Star Health branch office in T Nagar on 16th July and met branch manager Mr. Dilip to cancel both the insurance policies. The company was clueless about the status of my mother’s policy application claiming that the concerned hospital did not forward the necessary. Even after 6 months of paying the premium amount, the company has not bothered to inform me about the reason that they could not issue the policy. The company also shifted the branch office during this period which they did not inform me even though I am their customer. If this is the service given out during the purchase of policy, I can imagine the trauma I may have to go during Claims processing. I have come across several instances on consumer forums where customers have posted their grievances on the lack of professionalism on the part of Star Health.

I have been totally disgusted by Star Health with the ‘service’ provided that has caused me and my family immense agony and trauma. I demand immediate refund of the total amount paid against the two policies for extreme deficiency in service on part of Star Health insurance. I also demand an interest of 15% (starting from 07/02/11) on the total amount paid to the company, incurred on telephone expenses and visit to their office.

Kindly initiate immediate action against Star Health and Allied Insurance.

MY POLICY NO CLAIM DEDUCTION RECEIVED CHEQE
AMOUNT AMOUNT AMOUNT 1. P/171213/01/2011/003694 7581.00 1923.00 5658.00
DHIREN P.GEHLOT

2.P/171213/01/2010/04448 6713.00 1132.00 5581.00
PUKHRAJ H.GEHLOT

3.P/171213/01/2011/15964 42894.00 10262.00 32632.00
PUKHRAJ H.GEHLOT

4.P/171213/01/2011/003693 9964.00 1452.00 8512.00
PUSPA K.GEHLOT
TOTAL AMOUNT:-14769.00
I REQUEST TO YOU.PLEASE SUPPORT ME AND CLEAR MY METER.

THANKS

I, had submitted my claim No: 00882 on 14/05/2011 and as yet there has been no positive response from the Insurance Co.On inquiry I, was informed that from a xerox copy of my original application photograph, the manager could deduce that the disease was pre- existing .( what deducing power he should have been a detective ) .In spite of the fact that I, had already cleared the medical examination before becoming eligible for a policy. I,...

I have taken star health policy p/151116/01/2011/002071 on 29/10/2010 (sum assured Rs. 2.0 lakhs) for my brother Mr. Vinod kumar singh. Unfortunately he admitted to hospital due to fracture on 28/02/2011 due to accident and accordingly I informed regarding this over helpline number. They provided me claim number 0100560 on same day and as per their procedure, I submitted complete documents for reimbursement on 16/03/11 to star health's nagpur office as the policy was taken from nagpur.

After submission, I am continuously inquiring star health's helpline number, nagpur office and also written several emails. I always informed that I will get the reimbursement within 7 days but till today no reimbursement received. Now they are not responding to my emails and concerned person of nagpur office is not picking my phone.

Kindly advise me what should I do under these circumstances so that I could get the reimbursement charges immediately.

I AM HAVING POLICY OF STAR HEALTH & ALLIED INSURANCE COMPANY.MY CLAIM NUMBER IS 95929.I HAD LODGE A CLAIM.ALL DOCUMENTS WRE SUBMITTED BY ME BEFORE 4 MONTHS BACK TO ZONAL OFFICE VILE PARLE.AFTER WARDS THEY FORWADED SAME DOCUMENTS TO HEAD OFFICE AND LATER ON MY CLAIM WAS PASSED FROM H/O.AND CHEQUE WAS DISPTACH TO MUMBAI.BUT THIS ZONAL OFFICE PEOPLE ARE NOT GIVING THE CHEQUE ONLY THEY ARE SAYING THAT THIS CLAIM IS UNDER INVESTIGATION.AFTER WARDS I VISITED TO ZONAL OFFICE AND MET TO DR ANITA AND MS PRIYA.AND TOLD THEM ABOUT MY COMPLAINT BUT THEY ARE SHAMELESS PEOPLE INCLUDING ZONAL MANAGER MR NAYAK.
THEY ARE SEATING IN THE OFFICE AND HAVING FUN AND HARRASING TO CLIENTS.
PLS GIVE ME THE OPINION WHAT TO DO WITH THIS PEOPLE.
IF SUCH THINGS CONTINUE THAN WILL COMPANY RUN FOR A LONGER TIME.
WHAT TO DO I AM IN TROUBLE.MY HAND IS FRACTURE AND I AM SEATING AT HOME AND WAITING FOR CHEQUE SO THAT I CAN GO FOR OPERATION OF MY FRACTURE HAND.

I HAVE TAKEN MEDI CLAIM FROM STAR HEALTH AND ALLIED INSURANCE CO LTD.

DUE TO EXTREME ABDOMINAL PAIN AND VOMITING AS PER DOCTOR'S ADVISE I HAVE TO ADMIT MY WIFE MRS. PRITI V. DUBAL IN VEDANT MEDICAL HOSPITAL, GHODASAR, AHMEDABAD ON 6/2/2011 AND DISCHARGED ON 7/2/2011 SHE WAS ADMITTED FOR 24 HRS. IN THE HOSPITAL.

I HAVE SUBMITTED THE CLAIM ALONG WITH ALL BILLS AND PAPER PROVIDED BY DOCTOR FOR TREATMENT ON 04/03/2011 AFTER 18 DAYS ON 22/03/2011 I GO LETTER FROM THEM ASKING FOR IPD PAPERS WHICH I HAVE SUBMITTED TO THEIR AHMEDABAD OFFICE ON 25/03/2011.

TILL 15/04/2011 I HAVE NOT GOT ANY CORRESPONDENCE FROM THEM, SO I HAVE CALLED THEIR CUSTOMER CARE DEPARTMENT AT THAT TIME THEIR EXECUTIVE TOLD ME THAT THE CLAIM IS REJECTED DUE TO 2 RESONS

1) ADMISSION TIME IS LESS THEN 24 HRS WHICH IS TOTAL WRONG BECAUSE DISCHARGE SUMMARY CLEARLY INDICATING THAT PATIENT HAS BEEN ADMITTED FOR 24HRS. IN THE HOSPITAL.

2) FOR THIS CASE PATIENT SHOULD BE TREATED AS OPD PATIENT THE ADMISSION WAS NOT NEEDED. (HOW COULD THEY DECIDE WITHOUT EXAMINING THE PATIENT)

MY CLAIM IS GENUINE. IF MY INTENSE WAS TO DO SOMETHING WRONG I MIGHT TELL DOCTOR TO SHOW ONE OR 2 DAYS MORE IN ADMISSION.

SO, YOU ARE REQUESTED TO HELP ME OUT TO GET MY CLAIM FROM THE STAR HEALTH.

Hi,

I got a policy for my mother 2 years back from Star Health Insurance and had filed the claim first time in the month of Dec2010 . My policy details are:
( Name : Kamla Matta ) , policy ( p/161100/01/2010/001606 ) ( claim no is 0073604 )
I would like to bring to your notice the way these people treat you when it comes to claim
settlement is that firstly they will not accept the papers and keep on demanding for this bill in orginal and will trouble you for papers , in my case i had sent my person 3 times at their claims office in Delhi to submit the papers and then finally they were submitted in 20 days , then started the next story of claim settlement, every time i use to call them and followup with them the only response i could get was we have sent the papers to our chennai office and they will call you , after 2 months time i myself chased them and asked them for chennai office contact person and contact number then called up that office and the respone was same, will call you , then again the followup started on mails and phone calls the response was we have raised a query for papers finally this again went on for 15 days and finally in all this 2 and half month had passed and there was no clue of the claim status, I will attach the chain mail for your refrence.

FINALLY after all this mental harrassment and time of followingup and chasing them day & night I got a call from the agency from whom i had purchased this policy ( Winnage Consultancy Services Pvt Ltd
B-97, LGF, Sarvodya Enclave, New Delhi-110017) they have helped me a lot in chasing these people at star health)
that they have got a call from claims office that my claim is settelled, i was happy to hear this news after 3 months but then when i asked the amount they said that they dont know, i called up the claims office and had a word with Mr. Ajay Sharma ( manager at the claims office ) he said i dont know let the cheque come and will let you know.

I called up the toll free number after waiting for 3 days and then i came to know that aginst my bill for 1,16000/- the claim settlement is done for only Rs. 17000/- when i asked them the details for this the response was please check with your Delhi branch.

Till today i have no clue for that cheque where it is , no call or information from anyone i again started following up with the star health people and the agency to check with them on what grounds this sttlement amount is given and where is the cheque, below is trail mail for all this. Even the senior people the DGM Ashok Tandon at the Delhi Branch is not responding on this case....................... OR I SHOULD SAY AT ANY CASE.

CAN YOU HELP AND LOOK INTO THIS AS THIS COMPANY IS OPENLY CHEATING INNOCENT PEOPLE THEY ARE SELLING THE SENIOR CITIZEN POLICY ( RED CARPET ) AS NO OTHER COMPANY PROVIDES THE SENIOR CITIZEN POLICY COVERAGE SO PEOPLE ARE BUYING THIS AND THIS HOW THEY ARE TREATED AND FOOLED AT THE TIME OF CLAIMS.

THANKS
SUMAN SHARMA
Below are the mails:

From: cheena Bhasin [mailto:[protected]@winnage.in]
Sent: Wednesday, March 23, 2011 4:08 PM
To: 'ajay sharma SH 5887'
Cc: 'Richa Gupta SH4185'
Subject: FW: urgent
Importance: High

Dear Ajay,

As per my telecom with Mrs. Suman Sharma, she has confirmed from the toll free No that only INR 17000/- has been settled towards her claim.

However the claim amount was INR 1,16,000 .

( Name : Kamla Matta ) , policy ( p/161100/01/2010/001606 ) ( claim no is 0073604 )

Client has been questioning us that when she has taken a policy for INR 1,00,000 and under that she is eligible for 70% reimbursement, than how come only INR 17000 has been reimbursed.

Would request you to kindly give me a break up for this complete claim settlement amount.

Besides, the customer has got an approval for this claim after lot of efforts and pain. She has been following up on this for ages. Such kind of amount would come as a shock to anyone who has taken this policy.

Ajay, would request you to prioritize this case and do whatever best can be done. Client is very upset and i don’t want to loose out on any of our customer for any such reason.

Please revert asap.



Thanks and Regards,

Cheena Bhasin
Winnage Consultancy Services Pvt Ltd
B-97, LGF, Sarvodya Enclave, New Delhi-110017
+[protected]D),
Mobile: +91 [protected]
www.winnage.in



Hi Cheena,

It’s high time that I had been following up on emails & phone calls for this claim , can you let me know will this be done or not.

Thanks
Suman



From: cheena Bhasin [mailto:[protected]@winnage.in]
Sent: Tuesday, December 14, 2010 2:46 PM
To: Suman Sharma
Subject: FW: Help required for Processing the claim papers

Dear Mam,

We will definitely get this done...as per the last mail that I have received from them, they are waiting for the cash receipt which you have sent through courier.

Will keep you updated!

Thanks & Regards

Cheena Bhasin

From: HIMANSHU WALIA [mailto:himanshu.[protected]@starhealth.in]
Sent: 14 December 2010 14:33
To: cheena Bhasin
Subject: Fwd: Help required for Processing the claim papers

FYI
[protected] Forwarded message[protected]
From: ashok.tandon tandon <ashok.[protected]@starhealth.in>
Date: Tue, Dec 14, 2010 at 2:23 PM
Subject: Re: Help required for Processing the claim papers
To: HIMANSHU WALIA <himanshu.[protected]@starhealth.in>
Cc: PRADIPTA CHANDRA TRIPATHY SH7448 <Tripathy.[protected]@starhealth.in>, VIJAY KAPOOR SH5470 <vijay.[protected]@starhealth.in>


Dear Himanshu

In this case the cash receipt is still pending and just now client has confirmed to Vinita that she has sent through courier. Once the same is recd we will process the claim.

regrds

ashok tandon

On Tue, Dec 14, 2010 at 1:15 PM, HIMANSHU WALIA <himanshu.[protected]@starhealth.in> wrote:
Dear Mr Tandon

Pls look in to this case .
[protected] Forwarded message[protected]
From: cheena Bhasin <[protected]@winnage.in>
Date: Tue, Dec 14, 2010 at 12:56 PM
Subject: RE: Help required for Processing the claim papers
To: himanshu.[protected]@starhealth.in, Richa Gupta SH4185 <richa.[protected]@starhealth.in>
Cc: ajay sharma SH 5887 <ajay.[protected]@starhealth.in>
Dear Himanshu,

This is in reference to one of my clients , Mrs. Kamla Matta policy ( p/161100/01/2010/001606 ) . She has been my client for a very long time and I have always ensured her best of the services. But this is very unfortunate that she is facing so much of botheration at the time of claim.
Would request you to please take a special initiative and resolve her claim status asap. Also, attached is the trail mail sent by her.

Let me know what needs to be done asap.

Thanks & Regards,

Cheena Bhasin

From: Suman Sharma [mailto:[protected]@cadence.com]
Sent: 09 December 2010 16:48
To: [protected]@winnage.in
Cc: s.[protected]@gmail.com
Subject: Help required for Processing the claim papers

Hi Cheena,

Please help me to get the claim processed for My mom’s ( Name : Kamla Matta ) , policy ( p/161100/01/2010/001606 ) ( claim no is 0073604 ) that I had taken from you 2 yrs back, I tried submitting the docs twice but they were

returned back to me

Stating that they are incomplete, no one gives a clear requirement at your claims department civil line office.

Finally I had sent my boy personally third time yesterday and then Vinita Tanwar called me saying that we also need cash receipts , now they have taken the papers and asking for this one. If at one time only a clear document requirement is given this would help the claimant to arrange the required documents and the process can be timely done.

Kindly help on this one.

Thanks
Suman

[protected].



--
Warm Regards
Himanshu Walia
[protected]



--
Regards

Ashok Tandon



--
Warm Regards
Himanshu Walia
[protected]

Dear Sir,

My mother is 60 years old. I took the star health policy 1 year back now I have paid the 2nd. Year premium also. Her policy number is P/171111/01/2011/007988 and the claim number is 0097632.
She was admitted to hospital on February 19, 2011, because more then 2 week she was suffering with the fever.

When we admitted to her, hospital people confirmed the provisional diagnosis of ACUTE FEBRILE ILLNES? MALARIA. to stat health when they required confirmed diagnosis they confirmed? MLARIA? VULVOVAGINITES.

Based on above details Star health people rejected the pre approval of cashless benefit.
After couple of days doctor did the sonography and confirmed them Amebic liver abscess but after that also they did not provided us the cashless benefit.

I do not understand when the cause of the fever was found Amebic liver abscess why they are not ready to give Cashless benefit they are saying to send relevant claim document for reconsideration of reimbursement.

You are kindly requested to strict action against this insurance company and when I shall submit my claim please help me.

Thanks
K. Husain
Mob: [protected]