Star Health And Allied Insurance — Systematically conducted - health insurance policy fraud

Address:	Thane, Maharashtra, 421201
Website:	www.starhealth.in

I had taken health policies for my senior citizen father, my mother, my family (my wife and my dependent child) and my parents-in-law from Star Health and Allied Insurance company.
As I was making the payments, I was recorded as Promoter for the aforesaid policies.
It had been a practice maintained by the Star Health's concerned person to inform us about the policy annual premium amount on the phone or in person and, collect the banker cheques for the policies annual premiums personally by him or his office boy from our residence. We had loyally paid the annual premium amounts of the policies without evening making a mere single medical claim because we had taken it for our future health cover.

After we completed the mandatory 4 years initial waiting period the company persons stopped calling us for advising the annual premium amount and to collect the annual premium cheques from us.

Initially we thought maybe the concerned person (a designated Sales Manager) would have paid the annual premium from his end itself due to his workload and would arrange collection of the amount from us once he is free from his workload (because in the past he had done such collection arrangements from his end).

Like this the whole year passed by and finally the next year's premium time came but, still no one from Star Health and Allied Insurance company came to advise the premium amounts and collect the cheques for the same. Over the past several years a 'trust relation' had developed between our family and the Start Health and Allied Insurance company's relevant persons so we didn't doubted the company intention behind such avoidance.

Finally one day I decided to call the Star Health and Allied Insurance Company’s relevant manager on his mobile number but it was not answered so I called the land line number of their office. It was answered and the concerned person said he would call me back once he is free from office work that day.

Finally I was able to communicate with concerned Manager on phone and was shocked to know that he had not kept the track of our policies!
When I countered him by asking that if he had not monitored then why none intimation (email, phone call or SMS) was sent to us regarding the policies premium amounts? Over this the manager replied that the company doesn't have a practice of intimating customers like the intimation way I had stated.

The manager plainly informed me "your policies stands lapsed" at that time however; he assured that he will get them reactivated. I felt helpless on the phone and was left with no option than reluctantly believing his statement.

The Manager sent his office boy to advise the annual premiums amounts and collect the cheques and this office boy then informed me that prior the annual premium due date he had casually messaged me on WhatsApp messenger but I didn't replied to it. Now somebody please tell me is WhatsApp an official way of intimating premium payment notifications to customers??
This office boy also updated me that now I can't be the Promoter for the medical insurance policies of my Parents-In-Law for which again I had no option but helplessly agree to reactivate at least the remaining policies which had lapsed solely due to "LACK OF PROFESSIONAL POLICY PREMIUMS COMMUNICATION" practiced by Star Health and Allied Insurance company employees.

Post this till date we are still waiting for any feedback from the Sales Manager or his office boy. Neither that have we had our health policies reactivated nor the refund cheques. We have realized that we have been cheated in a systematic way by the Star Health and Allied Insurance company so finally we decide to approach the Consumer Forum to seek justice.

In today's polluted environment one thing which surely deteriorates with years is a human's health condition. After trusting Star Health and Allied Insurance Company what we have got is NO HEALTH COVER, LOST YEARS OF HEALTHY AGE and A DETERIORATED HUMAN HEALTH CONDITION AT HAND. My father was hospitalized and we lost him in July 2015 due to lack of funds for medical treatment and, we had tough time even to arrange his funeral at our native place. My father's medical expenses should be compensated by the company at least as per the policy terms and the company has to reactivate all our remaining health policies. The company needs to be penalized heavily for the trouble and hardship we have faced due to their act o[censored]nprofessional-ism.

Below are the details for your ready reference and necessary legitimate action.

The Star Health and Allied Insurance Branch: Dombivali Branch

Branch Address:
1st Floor, Everest Shopping Centre, Lokmanya Chowk, Opp. Phadke Road, Dombivali (East), Thane - 421201
Branch Contact nos. +[protected], +[protected]Fax)
Concerned Person: Mr. Suresh Nayak
Designation: Sr. Sales Manager
Mobile no. [protected]
Personal Email: [protected]@gmail.com
Office boy name: Saurav

Last Health Policy Details (without names for privacy reasons) :

My Father Health Policy no. P/171117/01/2014/018573 (valid for[protected] to[protected]
Date of Inception of Father health policy:[protected]
Customer ID Card no. AA[protected]-2

My Mother Health Policy no. P/171117/01/2014/018574 (valid for[protected] to[protected]
Date of Inception of Mother health policy:[protected]
Customer ID Card no. AA[protected]-1

My Family health Policy no. P/171117/01/2013/013814 (valid for[protected] to[protected]
Date of Inception of Wife health policy:[protected]
Customer (Wife) ID Card no. AA[protected]-3
Date of Inception of Child health policy:[protected]
Customer (Dependant Child) ID Card no. AA[protected]-4

My Parents-in-Law Policy no. P/171117/01/2014/006709 (valid for[protected] to[protected]
Date of Inception of Parents-in-Law health policy:[protected]
Customer (Dependant Father-in-Law) ID Card no.[protected]
Customer (Dependant Mother-in-Law) ID Card no.[protected]

We beg you in the name of Humanity, Indian Constitution and Indian Law and Order.
Please do justice to us!!!