Star Health And Allied Insurance — mediclaim claim settlement ref policy no : p/171134/01/2018/014659

Address: Ahmedabad, Gujarat, 380058

1. I had put up a claim of hospitalization+post hospitalization rs.66602/- for which i have received reimbursement of rs.53244/- hence there is a deduction of rs.13358/-. Upon enquiry i was informed that the room rental charges exceeds the limit, hence proportionate deduction @ 20% has been made in all other expenditures.
2. I had again put up a claim towards post hospitalization of rs. 19600/- out of which only 400/- has been approved. They did not give any specific reason for not settling this. Initially upon enquiring they told me that the documents are incomplete then i got the necessary papers from concerned doctor and finally they sent me an email stating "we have settled the claim as per reasonable clauses applicable under the terms and conditions for the nature of treatment incurred and we express our inability to settle any additional amount."

If this is what the insurance company's rules are, then nobody should take insurances. I am going to recommend my company not to opt for this insurance. If there would have been minor deductions i would not have bothered so much. I have been covered under this same policy since more than 3 years and have never ever claimed any amount. This is for the first time i am claiming and the first experience is really horrible experience.