Star Health And Allied Insurance Complaints & Reviews

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 But the star health company gave me the reply that they have withdrawn the family health optima policy and I have to buy this new policy.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]

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 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] )

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 LINE WITH THE TREATMENT / PROCEDURE DONE. sir, i am 3 years old customers without any break. star health company make some caps in some diseases since last year but there are no different caps in different policies. as for example one person who have a 2lac rs policy, second person have a 3 lac rs policy, or third person have a 5 lac policy. they only received in malaria just 7000.00. you have a no chance to make a claim in malaria much more than 7000.00 rs if you have a policies like 2 lac to 5 lac rupees.

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.