[Resolved]  Star Health And Allied Insurance — Forced cancellation of Policy

Address:

New Delhi, Delhi

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