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Star Health & Allied Insurance Co. Ltd

Star health

Overall Rating

4.5/5 based on 2 reviews

Other Ratings

Effectiveness of chosen policy

Value perception of chosen policy

Insurance agent's transparency in explaining the policy

Relevance of the policy to the ailment

Transparency in the terms & conditions

Ease of claim


  • No.1, New Tank Street, Valluvarkottam High Road, Nungambakkam,
    Thiyagaraya Nagar,
    Chennai - 600 034
  • 04428302700Main

Reviews

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Vikram Khanna

Star Health & Allied Insurance Co. Ltd - Tumours of the brain

Best Health Insurance Company

Well as per my experience with the Star Health Insurance it is a very good insurance company. A few months ago I was diagnosed with a benign brain tumor. I was very upset with it as it was causing headache & discomfort. Doctors told me to undergo a surgery to remove it. I was very much concerned about my family & their future. Luckily I got my family insured by Star Health Insurance. So I was relieved to a certain extent. Then I undergone my surgery and within few weeks I was totally fit. The insurance company paid all my hospitalization bills and other expenses. I just wonder that if I have not get myself and my family insured by Star Health Insurance then I will be in different condition today. Thanks for helping my family and saving my life.

Effectiveness of chosen policy

Value perception of chosen policy

Insurance agent's transparency in explaining the policy

Relevance of the policy to the ailment

Transparency in the terms & conditions

Ease of claim

0 / 0 Did you find this review helpfull? Yes

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Kannan Govindarajan

Star Health & Allied Insurance Co. Ltd - Orthopeadic procedure

Break your hip, we pay...not for preventive procedure say Star Health

Sometimes i am baffled by the logic the underwriters employ while approving insurance claims. What are they looking for 'misuse of the cover by doctors/surgeons'.....'misuse of the cover by hospitals'.....'effectiveness of the treatment'...... or are they crippled by the premise of their policies so one doesn't get to experiment the modern techniques in medicines or their policies do not provide for the experimental procedures which are preventive in nature. In which case they expect the patient to actually aggravate the disease so that the policy comes into effect. Ok lets take a real life example and apply the same to their logic..

I was diagnosed for 3 spinal disc bulges and avascular necrosis on both my hips.
The surgeon's opinion : it is ridiculous to perform surgery for 3 discs & performing a surgery for a single disc does not guarantee stoppage of nerve damage. Necrosis in the hip region could aggravate and the femur could collapse resulting in a hip replacement surgery.

Plan : Epidural injection in the spine / faucet joint region to reduce pain followed by physiotherapy.
De-compress hip bone and infuse stem cell tissues to rejenuvate the necrotic area.

I had a 10 lakh floater policy with Star Health, serviced for about 4-5 years. Thankfully i went for a pre-authorisation and the insurer agreed to allow the claim for hospitalisation e.t.c but sent a rider which categorically denied the claim for bonemarrow injection/stem cell infusion. I argued with insurer that the whole purpose of this surgery evolves around stem cell infusion, but they woudn't relent.

When i spoke to their top management they said that bone marrow injection & stem cell are permanent exclusions and they can't do anything about it. They also clarified that hip replacement is not under exclusion and would be allowed in the claim.

So the insurer wants me to break my hip and go for a claim, but would not pay for preventive therapy. What is the logic behind this brilliance !!!

Let say in the case of a cardiac patient undergoing a stent, what is the guarantee that he would not go for a by-pass surgery in the future ?? So a stent is covered but not a bone marrow injection or stem cell infusion..

With this comparision in mind i did a little more research on the exclusion and found that the insurer's attribute it to the misuse by surgeons as there is no tangible evidence that the stem cell was performed post op.

This costed me a packet. While trying to negate a false claim they have turned down a genuine beneficiary. Even if you buy the stem cell package ( one time processing machine ) directly from the company trying to save 40% in cost, the hospital would come down with a surprise package of their own.....they would bill you 30% as surcharge on the market value...its like carrying your own bottle into a club and paying corkage..

So, before you press the 'buy now' button for an online policy or cut out a cheque to the agent please please read the exclusions part very carefully. Some could be temp & others could be permament. It would be prudent to spend a little more time to compare other insurers or simply spread your policies/risk with more than one insurer. This way you can probably use to one that best suits your current needs.

If you find that my interpretation of this is incorrect kindly update as i would like learn more on this subject.

Ps : Apart from the stem cell infusion, Star Health reimbursed 90% of my claim. The rest was usual over-billing by the hospital for insurance cases.

Kannan G

Effectiveness of chosen policy

Value perception of chosen policy

Insurance agent's transparency in explaining the policy

Relevance of the policy to the ailment

Transparency in the terms & conditions

Ease of claim

0 / 0 Did you find this review helpfull? Yes

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