Star Health and Allied Insurance
Reviews and Complaints

One of my friends had taken a Star Health Insurance policy, the annual premium of which was around 13000 something. He had been renewing his policy for the past 3 years. A few days ago, his daughter fell ill. Her fever wasn't subsiding. He took her to a hospital where they suggested admitting her. We got her admitted and her treatment went on for 4 days. Now, when it was time to discharge her, his claim was rejected with the reason that there was no need to admit her to the hospital.

Her daughter's fever wasn't subsiding, that's why the doctor had suggested admitting her. But they still rejected the claim. I also want to mention one more thing. He hadn't made any claims in the past 3 years, meaning he had already paid around 40000 Rs as premiums, but Star Health rejected his claim of 28000 Rs. We spoke to some people in the know, and it turns out that while they used to boast about a 99.99% claim approval ratio, now it has reversed, and they are rejecting 99.99% of claims. This might be because I've heard that Star Health is facing financial losses.

That's why whoever is reading this review, I strongly advise them to consider any policy except for Star Health. If the Star Health representatives are also reading this, they can verify this by checking the records. I am providing the policy and claim numbers for reference

Policy Number:- P/161111/01/2023/012743

Claim Intimation No CIR/2024/161111/0641333

Star health insurance renewal page will not have any details about it's price break up and people those are getting insured and they charge significantly higher.
I had a insurance with 3 people and was paying 13K in first year then they charged 17K and 3rd year they chared 19K but after paying 19K i observed that my brother was removed from the policy as he completed 25years but no notification or mail or even it is not mentioned while renewing. Even payment was increased and there is no details while it got increased. Only after contacting customer care with multiple attempts i got to know that change in age slab. Looks like no transparency in their policies.
I least recommend star health to anybody.

I am policy holder From Star Health, As Per Policy, Cash-Less Treatment of Rs 75000/- but i am going for Reimbursement, & Put file for Stone Operation my total Exp of Rs 35447/- But Star health Passed Amt of Rs 24910/- Deduction Amt of Rs 10537/- for Large Amt Amt Deduction

Star Health Given Details for Deduction of Rs. 5000/- for Operation Expense operation Exp Passed Amt Of Rs. 10000/- i just want to confirm with star health which is the hospital are making Stone Operation in 10000/-,
pls give hospital name, Address & phone no.

Medicines All Bill Submitted but Star Health Avoid the Same

pls Help & give refund Amount

I did a policy on the name of my Wife and Kid from Stat Health (IRDAI Registration No: 129)

Policy Number P/700002/01/2015/013575 .

Due to illness, I had admitted my wife twice to the hospital (Claim 0297251, 0285774 ) .

As per the policy the Insurance Company has to provide charges for medicine bills and investigation in for next 2 months from discharge and before 1 month of date of admission.

While producing the bills, some of the bills were not processed due to the, patient name was missing .So I had a requested the support of Star Health to provide those bills, so that I can signed those, from the Chemist and send the scanned copies, for last 4 months I had did 16 times follow up trough mail and many time on call after providing those bills correctly . But till today those medicine bill were not processed and the Payment was not made .

I have attached the Communication mail for more reference .

And there is another grievance, there were Some medical investigation done which was rejected.

For the claim 028774, there are disallowed amount of Rs 3530, as those doctor fee and investigation changes will not be considered as Post claim .

But those charges are for the claim 0297251 as pre investigation charges .as the both hospitalization happen in 11 days interval, So mistakenly added those claim slips to the first hospitalization claim .

I did several follow up but there is no justified reply from Star Health . Please Refer the attached Another Communication mail .

Please Help me to get those issues resolved .

Dear Sir

I had taken health insurance from star health & allied insurance company limited from Chennai on 09/09/2010 and paid a premium of Rs. 4054 for sum assured of 2 lakh. The scheme name is Family Health Optima Insurance Policy. Its for 2Adult + 2 Children. My age was 40 years
Policy Number P/700001/01/2012/004333
Id no. [protected]
And the same policy I renewed on 12/09/2011 and a premium of Rs. 3648 was charged as I had not used the policy for any hospitalization.

For the past two years I never used this service for any hospitalization.

And now for the renewal of the same policy I got a call from telesales representatives from Star Health company and are asking me to pay Rs. 7612/-. The reason for the increase as they claimed was that they have increased the sum assured from 2 lakh to 3 lakh and host of other day care hospitalization was added on.

My complain is that :
1. Taking a policy and the sum assured is left to the policy holder and not to be enforced by the health insurance company.
2. I had told them that I am more comfortable with the plan called family health optima and interested in the continuation of the same policy. But the star health company gave me the reply that they have withdrawn the family health optima policy and I have to buy this new policy.
3. When I protested against their forceful introduction of new plan as I wasn’t interested in it, then they are giving me another policy called family health delight. In this policy I will have all the benefits of the old family health optima policy but the premium will be 5618 which is almost the double the amount I need to shell out
4. When I took the policy initially they had promised that they will never increase the premium and will remain as it is in the brochure but they have gone back with their commitment and in the guise of introducing new policy plan they are forcing the customer to buy their policy with higher premium.
5. As per their commitment they are supposed to give me 10% reduction during the renewal of premium if a customer is not used the policy, but here, I am forced to pay almost double the premium for no fault of mine. (log into http://starhealth.in/health.php?healthid=16)
6. They have not given me sufficient time to shift the policy to other insurance company. My renewal date is on 11/09/2012.

I request you to look into this complain and give me justice and safe guard the interest of thousands of customers who are being taken for a ride unjustifiably.

Please do the needful and save common people.

Sincerely
Anthony K
[protected]

To : Kalaignar Karunanithi

Sub : Kalaignar Insurance Scheme Liaison Officer Salary is very low.

I am worked in one private Company. My brother worked as a Liaison Officer in Kalaignar Insurance Scheme. In the training time star health said his salary is Rs.6, 500. But star health given Rs.5, 399 only. From May month they given Rs.5, 360 only. They reduced Rs.39- for tax. Then they said every six month once increment for all employee. Before December joined employee only get that increment, after December joined employee didn’t get that increment. So take action to Star Health and allied insurance Scheme. Please increase all liaison officer salary.

I took travel insurance with STAR Health & Allied Insurance Company Limited and right when the policies were delivered found "dental cover" missing as against their own pamphlet claim. They made up by issuing an addendum.
When crown of my tooth came off and I e-mailed, I was not given a complaint number but was asked to submit all papers to make the claim and wait for their decision! This was the most dishonest response that I could expect, for the doctor's office charged additionally for filling insurance papers which would be additional burden on my pocket with a dodgy insurer I had trusted. Even on posing these facts, their AGM requested me to wait for a day to get a fitting reply but even after 10 days and 3 reminders continues to shelter in silence. This company is out to take customers for granted!