Star Health And Allied Insurance — complaint against star health and allied insurance co. ltd. for unfair policy cancellation, miscommunication, and deficiency in se

Respected Sir/Madam,

I, hereby submit this complaint against Star Health and Allied Insurance Company Limited for their unfair practices, negligent service, and abrupt cancellation of my long-standing health insurance policy despite over 12 years of continuous loyalty as a customer.

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Complainant’s Details

Name: K. Manimaran

Policy Number: [protected]

Insurer: Star Health and Allied Insurance Co. Ltd.

Branch Involved: Pondicherry

Chronology of Events

1. 23 August 2025: I raised a grievance regarding a sudden and unjustified doubling of my premium. Grievance Ticket No. 19995811 was generated.

2. 29 August 2025: Star Health acknowledged my grievance (Ticket No.[protected] but failed to provide any meaningful clarification.

3. 01 September 2025: I was informed that my policy could only be renewed at a much higher premium due to “age slab changes and revised IRDAI-approved products.”

4. 06 September 2025: I received a renewal reminder email from [protected]@starhealth.biz, clearly stating that I had 7 days to renew my Family Health Optima policy due on 30 April 2025.

5. 08 September 2025: Upon visiting the Pondicherry Branch Office for renewal, I was shocked to learn that my policy had already been cancelled without any prior intimation.

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Grounds of Complaint

1. Agent’s Negligence:
The Star Health agent failed to inform me about any migration or renewal requirement for the revised plan, despite my continuous renewal history.

2. Misleading and False Communication:
Even after receiving a written email allowing renewal within seven days, my policy was unilaterally cancelled before the given time frame.

3. Unfair Trade Practice and Deficiency in Service:
The abrupt cancellation of my policy, despite full compliance on my part and without any notice or opportunity for renewal, constitutes a clear deficiency in service.

4. Mental Agony and Financial Distress:
After paying premiums regularly for 12 years, being left without health coverage has caused significant mental harassment, emotional distress, and financial risk.

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Reliefs Sought

I humbly request the Hon’ble Forum to:

1. Direct Star Health to immediately reinstate my cancelled policy or migrate me to an equivalent or superior plan (e.g., Super Star Plan), ensuring uninterrupted coverage and a fair premium.

2. Order compensation for the mental agony, harassment, and inconvenience caused due to the insurer’s negligence and unfair conduct.