Star Health and Allied Insurance Co Ltd

Star health insurance company is worse in india, don't be a customer go for others insurance. Very poor star health insurance, they never provide the claim if you are not taking treatment cashless. Either they don't have hospital in even district level. Higher authorities, senceless. Policy is very expensive but you can't claim get money. Money goes in their pocket. Very very bad experience

they are not paying claim,saying some silly reason and asking doctor report for some disease which never exist.
Just will find some lame reason for not paying claim.

Worst company ever. Does not know the meaning of privacy. Crooks. Had it been some other country, they would be in jail for constantly harassing ordinary people daily

Staff are helping and kind towards all customers...

That office security don't known guarding manners and even his lips.don't aware smile. Overall office sub-staff battalion requires training on friendly behaviour

Think twice before choosing star health insurance. Getting reimbursement will be nearly impossible even if it's a first claim. The company will have numerous reasons to reject your claim which is something I experienced personally.

A bunch of frauds and deceptive liars are running this company. I request you not to take any policy with them. If you are already a policy holder, I request you to transfer to some other good company in the immediate next year.

I enrolled my mother in their Medi-Classic Gold plan with a premium of 27,000 per year. It's a complete cashless policy which is the reason for the high premium.

I paid the amount for 3 consecutive years that amounts to Rs 81,000 without making even a single claim. When I first enrolled the policy, the agent was speaking with sugar coated words that I need to disclose only the pre-existing diseases of my mother for which I need to wait for 4 years.

He said pre-existing diseases means the ones that my mother is currently suffering from. So, I mentioned all the diseases my mother was suffering from at that time.

A few days back, my mother was hospitalised for a condition that's not in the list of pre-existing diseases I mentioned in my policy. So, I was hopeful that the expenses would be taken care by the company.

To my dismay, they not only rejected my entire claim amount of Rs 2.37 lakhs but also went ahead and cancelled my policy stating that I didn't disclose an old cerebrovascular accident my mother had about 2 years prior to the policy enrollment.

I asked the official what's the difference between "disease" and "accident". I also asked him what's the difference between "existing" and "existed".

Then he taught me a different English which is followed by Star Health. According to the English taught to him by Star Health, pre-existing diseases means "any condition, ailment, injury, or disease" that's just "diagnosed" by a doctor.

So, if you fell down while cycling and had a bruise on your knee, you have a pre-existing disease according to Star Health's English even if the wound is completely healed and no longer visible.

If you didn't disclose it, they will reject your claim and cancel your policy.

BTW, this is just one example. Their unique English has many such aspects and your claims will be rejected some way or the other.

My claim was wrongly rejected. Grievance not attended to. I completed my treatment with another ins cover. Then when I told star rep that I'm going to escalate, their rep offers to compensate the 'copay' I paid to the hospital.

My mail to their top did not draw any attention. I'm cancelling my policy with them