https://www.desidime.com/comments/permalink/10311579
You can Go to consumer forum.
URGENT SISTER CLAIM REJECTED BY STAR HEALTH
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I urgently need advice from experienced folks here. My sister's medical claim was rejected by STAR HEALTH, citing that the policy premium was missed. However, the premium was paid on time, but their system shows it was paid after the claim intimation, so they’re rejecting the claim, saying the policy wasn’t valid at the time.
I have all the receipts proving that the premium was paid before the claim. I’ve escalated this to the highest level within STAR HEALTH, but they keep saying nothing can be done. I even filed complaints with IRDAI and the Bimalokpal Ombudsman, but it’s been 5 months with no resolution. They keep saying the same thing.
This policy has been active for 8 years with timely premium payments every time. What can be done here? Going to court seems like it will only waste more time and money, and nothing will come of it. I wish there was something as powerful as the RBI Ombudsman for insurance, as IRDAI and the insurance ombudsman have done nothing so far.
Any advice or guidance would be greatly appreciated. Thanks in advance
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https://www.desidime.com/comments/permalink/10312208
Consumer court takes time to solve a case, goes in months and years. He is asking for any help for the claim to be lodged and be served rightfully with his current policy.
https://www.desidime.com/comments/permalink/10311598
You don't need to worry about if you have paid premium on time. Even your policy is valid since 8 years and you had paid premium without fail so far. Just raise a complain to consumer forum it will sort out shortly.
https://www.desidime.com/comments/permalink/10311652
When was the premium paid exactly and when was the claim intimated to the company?
https://www.desidime.com/comments/permalink/10311798
Ye kindly post collection receipt if possible and intimation details before asking for further help
https://www.desidime.com/comments/permalink/10312189
As per OP, IRDAI and Insurance Ombudsman has been approached and they 'keep saying the same thing' for last 5 months.
Question: Please elaborate what do you mean by 'keep saying the same thing'? Does that mean the Insurance Ombudsman decision was in favor of Star Health? If yes what reasons were cited?
Remember, this
- Insurance Ombudsman is accountable to make decision within 3 months.
- One cannot challenge Insurance Ombudsman's decision.
If you have to go to Consumer Forum, you got to frame your case accordingly.
https://www.desidime.com/comments/permalink/10312389
Looks like he paid the premium minutes before making the claim. Maybe if it was by card which gets settled in a day or two, company is using that date to save itself.
https://www.desidime.com/comments/permalink/10312997
kahin to jhol hai , daya ko pata lagana padega
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What is the policy beginning and end date in old and new policy document? You don't get insurance coverage before payment date and during the grace period.
Hiding something. Details missing.