Hi, I had taken Diabetic safe policy for my mother Mrs. Meena Sharma age 46 yrs in Nov 2008. Her Policy number is P/161113/01/2009/000536. At the time of taking this policy, my mother was diagonosed as diabetic (She was not on Insulin) and she was taking treatment for frequent swelling of foot because of malfunctioning of one of the kidneys. All medical reports, medicines and other treatment related records and details were furnished at the time of taking this policy. My adviser ( Mrs. Vermani) has a copy of all records with her and same was confirmed by the brach head of Chandigarh Mr. Amit Julka as well.After reviewing all documents, Star health Insurance issued the policy.
I July'09, acute renal failure was detected as both the kidneys stopped working. In july end, doctors advised for either dialysis or kidney transplant. On 1st Aug'09, first dialysis was done and on 16 Sep'09, Kidney Transplant was done. My cashless claim was rejected on grounds of pre existing desease. Its strange that both Surveyor and my insurance adviser were shocked to know this. As per the surveyor, he had mentioned all details correctly and he was willing to reverify the details if contacted again by Star Insurance. My adviser and Brach head agreed to the fat that policy was issued after reviewing her health condition and Star Insurance should honour the policy by approving the claim.
I again filed for reimbursement wherein the treating doctor has very clearly mentioned that disease was not pre existing. After much followup from 17th Nov to 2nd Jan, i finally got a letter from the company that claim was rejected as disease was pre existing.
STAR INSURANCE HAS IGNORED SURVEYOR'S REMARKS, SR. SURGEON'S COMMENTS , ON TOP OF EVERYTHING, THEY'RE CLAIMING THAT FACTS WERE NOT DISCLOSED AT THE TIME OF POLICY WHEREIN MY ADVISOR AND BRACH HEAD HAS COPY OF ALL DOCUMENTS WITH THEM.
I would strongly urge to every one reading this , not to take policy from star insurance as there are frauds sitting in the company with an aim of makig money and cheating others. Was this information helpful? | 
Star Allied And Health Insurance Co. Ltd. — Claim Rejection
The Insurer has rejested my wife's Mediclaim Insurance claim stating that Obstructive Slppe Apnoea is a pre-existing disease and it was not disclosed at the time of taking the policy.Please note that I came to knew about this disease only when the first time she was hospitalised and as per the medical Doctors it is a problem which is faced by 55% of Indian.
I have sent repeated mail to the insurer to give me a clarification for the same, but they have not yet replied me.
request you to please help me.