Star Health And Allied Insurance — refund for policy p/161130/2019/036105

This is regarding the cancellation of the policy p/161130/2019/036105 which we had bought for the period 27th december 2018 to 26th december 2019.

I would like to highlight the experience we have encountered with star health because of which we have made a prudent call of proceeding with the policy cancellation. Star heath has agreed to refund rs 19, 103/- on pro-rata basis but we are looking at 100% refund.

To provide you more details:

1. During the purchase of the policy in december from star health’s intermediary – policy bazaar no details about the policy was provided. The emphasis was more driven into selling the policy to us rather than providing us more details about the same.

2. When we did raise a claim in february 2019, our claim was rejected citing that the disease is ‘pre-existing’. I do understand that ckd is chronic by nature, but we also provided a supporting document (Doctor’s letter) during refilling for the claim citing that the patient wasn’t aware about the same and hence it cannot be termed as pre-existing, but the claim was rejected the claim stating, “falsification of information”.

3. We did receive a letter from star health stating that the dependent of the policy (Gopal m) was removed without our permission from the policy due to “falsification of information”. (If the patient wasn’t aware of the ckd and the same information was not provided to the insurance company does that mean “falsification of information”??)

4. Its been almost a month since the beginning of february that we are arguing with star health and talking about the cancellation of the policy, but we receive a notification from star health on the 25th february 2018 which says based on pro-rata basis the refund is 19, 103/- (25th february 2019 – 26th december 2019) which we are not agreeable on.

Please do assist on this on-going matter since we are looking for a refund of 100%.