May 11, 2015 11:58 AM
81229 Views
I paid them premium on time for 3 years for a floater policy of cover Rs. 5 lacs. My wife got admitted to Mission Hospital in Durgapur on 5th May'15 for chest infection. My wife got discharged on 8th May with a total bill of Rs. 20, 068/-.
To my surprise, I get a call from hospital stating that my insurance claim has been rejected. The reason is non-disclosure of "breast surgery" in the year 2003. The fact is my wife had undergone an "operation" to remove an external lump and was discharged from the hospital within 2 hours of being admitted. The word "operation" is very ambiguous. Even if we have a small "funsi" in our leg, the doctor uses the terminology "operation" for the removal of the same. Does that mean we would consider that as a medical situation that needs to be declared while buying an insurance policy 10 years later.
I am sorry that I didn't declare that my wife suffered from cold in 1987 and she had to take a cold medicine for 2 days. She also suffered from fever in 1984 for which she had to take paracetamol. Are these the kind of declarations Star Health is expecting from its customers.
This is ridiculous since it has also been confirmed by the doctor treating my wife that the current chest congestion has nothing to do with the "funsi" operation she had 12 years back. This is just an "alibi" by Star Health to reject claims from customers.
I am an victim of this fraud being run by Star Health and I request all others to make sure that you do not buy insurance from them or if you already have a policy from them, get it transferred to a company that does not consider cold, fever and funsi which you have had 20 years back as a medical condition that you have to declare.
I will take this matter to court and will make sure that fraud companies like Start Health stop cheating innocent customers.
Chandra Shekhar Singh
