Is Star Health Insurance a good company?

  • Completely Fraud Company I had a policy of 30L+ Health Insurance, since 2006, in 2021 i finally got an opportunity to redeem it, and use, my medical bill was 80,000( I had COVID-19, I was RT-PCR+) but they rejected it and said that my condition wasn’t serious enough and so no medical intervention was required, basically meaning I wasn’t required to be admitted to the hospital. Now you know what happening in India in April 2021, people were dieing because beds were not available, so there is no chance hospital management would give a bed to a non serious patient who can be cured at home, luckily because of my friend’s contact, i got a bed and these fucking bloody idiots are saying i didn’t require any medical intervention, even my SpO2 was well below 95. i had been paying ₹18000 each year since 2006 which means till now i have paid these moron muther fuckers a sum of round 1,76,000, my bill was of 80,000 even if i kept that money aside each and had not put it in any mutual fund, i still had money to pay the hospital…. Anyways if you have 1% sympathy for me and you can feel my anger, please tell all your friend, family, relative to never buy a star health policy, and ask them to tell all their friends, relatives too. That’s the only thing i want from you guys…

    REJECTED CLAIM :- WE HAVE PAID PREMIUM FOR LAST 3 years (0 time admitted) this was first time that we admitted.

    date 27 August 2021.

    Reason for rejection:- They think hospitalisation was not required. They know better than doctor.

    costumer care:- Never respond properly puts the call on hold.

    Star Health Insurance is a fraud company. After paying 3 year premium and I got admitted first time because doctor said that we need 48 hour monitoring and putting in injections to deal with lungs infection. Whole throughout 48 hours doctors gave treatment and my bill was somethi around 40k INR. Then at discharge time, They rejected the claim without any proper reason and they say that you do not need to be admitted. Doctor himself told to get admitted because my reports were very poor. Then doctor himself wrote on his letter head in strict words that He was admitted on my discreation. still they didn’t approved the claim. This is most fraud company every existing ever. It is total scam.

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    I had purchased star health insurance for me and my family in 2017. When we approached them we received numerous calls and emails. After we purchased and had situations where we needed to claim, there were no calls or even replies to emails. Even for coverage, what they promised and what they delivered were very different. Corporate tricks. When we questioned them their language turned abusive. We discontinued the insurance the following year. Recently we found an interesting cashless scheme red carpet for senior citizens. We again trusted them. My mother was admitted for viral pneumonia in Apollo hospital and star health started their games. They started asking for strange and irrelevant documents like discharge summary for treatments that happened 26 years ago and 9 years ago. Obviously, we didn’t have it. So they rejected our cashless option and suggested trying reimbursement. Again we ran to organise money to get my mother discharged. Because of their games, she was stuck in the covid ward for two days more. Let us ask this fundamental question. Why we want to get insurance. I believe to have a little peace of mind during an emergency where we can care for our loved ones instead of chasing money to pay. But star health is the worst as they won’t let you have that peace of mind even after you paid insurance for many months or years. I have lived in 3 other countries Israel, Australia and Japan. Even as a foreigner I did not face any problems with insurance in Israel and Japan. What we need in India is a reform for all these corporates. They must be held responsible for their promises they give during buying insurance. They have grievance ladder level 1 to 4 which is a joke. But no one will reply until you fall in line to their plans. After you have tried all levels in their grievance ladder which seems quite strange as why such 4 levels were needed. After 15 days if you do not get an answer then you are allowed to approach IRDA. 15 days … Can you imagine. How convenient? Why this rule has been set? Will this benefit the corporate or the common people? What a corporate can do in 15 days? Can you imagine? When buying policy you can buy in few minutes and your buying options gets expanded by direct payment, they will come to collect, or by phone etc. But for claiming, they can take 15 days before you can take your next step i.e complain to IRDA. The options of paying you back gets narrowed down to one choice. Not sure how much more time will take for IRDA to decide. Nobody knows. This timeline has been set while you are in stress, pain and fear for your loved ones. The above three countries where I have stayed and obtained health insurance, as soon as we get treated or admitted I paid only the difference money and no hassle or stress. But in India, health insurance is a joke. We need a metoo movement for star health insurance. When reading the reviews for star health in online reviews I must admit that I was lucky when compared to other cases where star health played many games. I hope the government steps in and reform these corporates. Strict consumer laws are needed to be made to protect common man from these corporates.

    https://www.policyholder.gov.in/report.aspx

    My experience, BAD COMPANY

    My Grandfather’s name Iddinabba from balehonnur Karnataka. He is a star insurance client for 6-7 years. Fews months back he was sick and admitted twice for around a month spending nearly 2lks and insurance was registered for both the time he admitted without any delay by the company. For now its almost 6 months and not even 1 insurance claimed yet queries are on from their side. Asking loads of non related documents Just making it longer till next renewal. Once they tried to reject the claim too and they will for sure. Please go for other companies but not star

    Please don’t buy a single policy from them. Don’t take it even if they give it to you for free!

    Undependable frauds. I have two policies with them. Been paying premium of 50k combined for three years. No claims till today. My wife was diagnosed with dengue. Platelets dropped to 37K. Severe breathlessness, fever, body pain. And they declined the cashless claim! Reason is ridiculous. They are quoting some non existant pre hospitalization and condition that never happened. She’s never been hospitalized for any ailment! Other than when she gave birth to our daughter 12 years ago.

    I have a corporate policy which I could use. I intentionally wanted to check if all the horror stories out there about Star were true. Apparently it is!

    DO NOT buy from this company. I can show you all the communications received, receipts paid, etc. If anyone wants more information.

    Instead, approach a bank. And ask them to take out a medical policy for you. It will be a group policy. Not an individual one where you are most likely to be given the short end of a stick to hold on to. Better still, invest in a SIP or an ETF. And don’t touch that money. Keep it aside for a rainy day. And believe me, it will rain. And when it does, at least you’ll have the money that you saved up to use! Instead of fattening the miserable Star. They are called star for a reason. Their customers usually see stars when it’s time for a claim.

    Edit: They considered the claim and made the payment. I had to pay 137 as non medical expenses. Which is fine. There waa an error on the hospital side as well. The insurance desk had stuffed in aomeone else’s case sheet along with the documents sent for my wife. The other person’s name ia clearly mentioned on the top. Yet, they didn’t intimate me or even read it correctly. Straight away declined the cashless claim. I had to give a piece of mind to both the insurance desk and their call center. They promised to have a doctor call me back, but no one did. They just settled the claim. It was probably the easier thing to do.

    I’m still sitting on the fence.

    Edit 2: They have rejected pre and post admission bills on flimsy grounds. Too tired to deal with these pathetic people.

    Not renewing with them. I’d strongly suggest you don’t consider them as a possibility even. That frustrating.

    They are BIG FRAUD. They have tie up with many drs and hospitals. The Dr. will first ask for your health history files/ reports. Once you give, he will scan and send to star health. Then they will find some health issue that you did not report during the insurance application. Then they will REJECT your claim.

    This scam happened with my sister. If you give your history files to dr, make sure he does not scan or make a copy.

    *STAR HEALTH INSURANCE WOULDN’T Protect your loved onesand their looking only for your Money at the Moments. Really waste of your money.. *Zero Support From Star Health Insurance Grievances Team*. They will say *Whatever you want to do for Customers during the claim*, Because *you cannot do anything after you paid your money*.

    📌📌📌 *STAR HEALTH INSURANCE is a one of the FRAUD HEALTH Insurance Company*.

    🏴🏴🏴*Please do not take any policy with Star Health Insurancebecause They *wouldn’t save your life and Your Family. They will be DENIED (REJECT) your claims without a Valid Reason*. This will make you a very depressed. They will not say anything at the time of enrollment in the policy.

    *It has been THREE YEARS over, since I took the policy.Now I have allowed my son for medical problems in hospital. *Now they have REJECTED my request under UNFAIR RESPONSE*. I even tried to contact the Star Health Insurance team from the hospital. There was NO PROPER ANSWER and they took more time to answer our Questions too.

    I paid my OWN MONEY and was later discharged from the hospital. Since then, I have raised this issue with the *Star Health Insurance Grievance Committeeand they are dealing with this problem *Very Lazily*. They have answer my query after one month. Even though it is a very emergency medical issue and also the result is same one.

    Star Health Insurance Providing Very, Very Very Poor services to the customers. They will *SURELY CHEAT YOUR MONEY*. Please do not go with Star Health Insurance at any point of time. INSTEAD OF THAT, *YOU CAN SAVE YOUR MONEY with Yourself and SPEND MONEY while you’re on *EMERGENCY*.

    *This is a company that does not care about you and Your family and No single drop of human life care in Star Health Insurance Team*.

    *I request that this should be spread to all over the world*. To Get the *Proper AWARENESS to My Peoples*. Because they are playing with Human Life’s.

    Star Health Insurance is a Fraud Company. They are money making company. They wouldn’t support anyone after enrollment. If you are facing issue. Please update in the comments box. We will together go with Court for ILLEGAL ACTION.

    They fraud millions of people per year and engage in such MONEY..

    My Policy Number:

    *SR2000034276 CLI / 2020/700002/0603416*

    Horrible is the only word for Star Health Insurance . I HAD 20 LAKH SUM INSURED POLICY with them but they refused to settle small claim of just 75 thousand. I had an heart issue and ecg was abnormal, heart rate was at 150 and was feeling restless… so hospital emergency admitted me. With these conditions any emergency will admit you. But on further tests it came out that it was not a serious heart issue but some other issue which later resolved after treatment. Also while undergoing treatment doctors came to know that i had covid. This can happen to anyone! Is it our mistake that it was not an heart issue? Is it our mistake that we didn’t know about covid at the time of admission? How would a patient or even hospital know in advance without tests? They rejected the claim saying that issue was not related to hospital admission. How stupid!! These fraudsters were just looking for an excuse to reject claim.

    Thank god it opened my eyes…otherwise i would have wasted my huge premium for this 20 lakh policy where they wouldn’t clear even 75000 bill.

    There is no way to contact them. They rarely pick phone, their is no email where they will respond. Horrible experience!

    Worst health insurance company. The problems arise once you initiate claim. My father opted for cashless treatment which was denied for flimsy reasons. The most disheartening part was the person who called us to deny the claims didn’t know the real reason for the denial and was making bogus arguments in between.

    Beware if you are going to take star health. They will just expropriate your money insurance premium and not provide any service when the need arises.

    I strongly urge insurance regulator to look into the denied claims of star health insurance and compare it with other health insurance companies.

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