Star Health And Allied Insurance — Not reimbursing health insurance claim despite all efforts, no valid/proper response, long delay without response

I had purchased Medical insurance from star health for my mother on Feb, 2021. My mother was admitted on Mar, 2021 due to very serious health condition and I could not use Star Health Insurance as there is a 30 day waiting period. However, I had used my office Insurance instead to cover the expenses of the procedure.

For a second procedure on May, 2021 (Day Care Procedure), I had used Star Health Insurance to cover the expenses. However, my claim was rejected as Star wanted all documents related to previous procedure/first diagnosis report/all reports leading to disease. I submitted all documents using Star's online portal during this time, as there was Covid pandemic going on in my city.

There was a significant delay from Star during this time to review my documents, all the medical records were also submitted further. However, my claim was again rejected since Star claimed that the Day Care procedure required more than 24 hours of hospitalization and anesthesia must have been used. I had sent an email countering this as the mere definition of Day Care Procedure is a procedure performed within a day and pointed out the details in the medical record where Anesthesia being used were mentioned.

After this, Star requested to send the original documents after a long delay, sometime around Nov 2021. I sent all the requested original documents via post (Please see the attached receipt). However, I kept getting emails requesting for the original documents, despite that I had already sent them. Despite sending all the original documents and bills for my hospital bill reimbursement, my claim had been rejected by Star health insurance.

I had raised this issue with Star's grievance cell and I have been following up with them constantly to no avail. In fact the grievance cell is a scam, they didn't even bother replying until Jan 2022, almost 2 months after I had registered a complaint. The reply was only received when I raised an issue with IRDA

However, in Jan 2022, they told me send NEFT details and after I send them. I got a reply that my claim has been rejected because, they are not responsible for disease caused within the 30days waiting period after I had purchased insurance. Why did they tell me this after a year of mental agony??