Insurance company denied an insurance claim.

[User_df131377]

U

User_df131377
PARTICIPANT
March 9, 2025 at 6:21 pm

We had a insurance in Star Health Insurance Company for almost 5years and paid around 50k for premium. Now for an operation we tried to claim the insurance which was denied as they found a certain medication which was being consumed prior to the insurance policy also prescribed by an different Dr. There was just an mention in the current prescription that the medication was being taken and this is the reason they deny our claim.

Is there any way we can take an action against this?

We have discussed this problem with a few others and some of them are telling to file a case. If that is the case what are the procedures we should follow?

Any help would be appreciated. Thank You.

Share

[Luckytara4910]

L

Luckytara4910
PARTICIPANT
March 9, 2025 at 7:09 pm

File an appeal with the insurance ombudsman. You shall most likely get a positive response. Also explore the consumer forum route.

Share

[Shashankhero402]

S

Shashankhero402
PARTICIPANT
March 9, 2025 at 7:55 pm

Please read this:

https://www.reddit.com/r/LegalAdviceIndia/s/xLm1a3Jdl9

Share

[Braveseeker242]

B

Braveseeker242
PARTICIPANT
March 9, 2025 at 8:35 pm

Don’t worry. Just appeal and you will get reimbursement

Star is notorious for rejecting claims

Check r/personalfinanceIndia

Share

[Fierceanirudh9723]

F

Fierceanirudh9723
PARTICIPANT
March 10, 2025 at 12:28 am

What was this medication being taken for? Any pre existing conditions? Was the pre existing conditions declared at the time of policy? You may file an appeal and see how it goes.

Share

[Rapidwolf6431]

R

Rapidwolf6431
PARTICIPANT
March 10, 2025 at 3:16 am

The reason why certain insurance companies are often able to screw clients over is because of their lack of knowledge.

In my opinion you should:

1. Serve them with a legal notice.
2. File an appeal before the insurance ombudsman.
3. File a complaint before the National consumer helpline.
4. File a consumer complaint.

Share

[User_cbe8e0f6]

U

User_cbe8e0f6
PARTICIPANT
March 10, 2025 at 10:29 am

My insurance claim was rejected as well, make an appeal to Insurance Ombudsman they’ll help.

Share

[Author]

Posts