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A smart cheater
Mar 12, 2019 02:58 PM 1136 Views
(Updated Mar 16, 2019 04:04 PM)

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I had Health Insurance policy with National Insurance since last 15 years Rs. 1.5 lakhs each(myself and my husband - without any claim)


Agent of Star Health Insurance convinced me to port my policy, by highlighting that now a days if required National insurance is creating problem in getting claim on the other hand Star health insurance is porting the old policies will full coverage and effective from day one of taking the policy(no waiting period and no hazard in getting the claim).


I also told them that my policy is very old, and we are now aged we may face problem any time, he asked me that are we having any problem now. At that point of time we did not understand of any health problem.


Without any further investigation or query I ported the policy. During porting they took copy of my old 4 years policy and got the Star policy in the month of October 2018(Rs. 5 lakhs floater policy).


But in December 2018 suddenly my husband realized that he is having some vision problem. In the month of September 2018 he has taken new new power reading from the optician available at shop and using the Spec but not clear.


We went to doctor, and doctor said he is having cataract in both the eyes and recommended to do the operation of the good eye as soon as possible being having some vision problem in other eye.


We operated(cataract) the 1st eye in 28.12.18, expenses incurd Rs. 40000/- against which Star gave me Rs. 12000/- on the ground that I am applicable for this only as per their terms and condition for ported policy(for cataract in a year). For second eye if done this year they will not repay any amount.


This is how Star is cheating persons in the name of porting the policies of other company keeping in dark.


And the agents are doing so as they will be getting good commission.


If you all feel that, this is a cheat, help me and guide others to get rid of this type of cheat.


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