Star Health Insurance - Renew or Port ?

[raina__aryan]

I’ve been using Star Health Insurance for the past two years, chosen after comparing plans on PolicyBazaar. I renewed it last year despite coming across numerous negative reviews and concerns about their claim settlement ratio.

Now, my renewal is due in January, and I’m having second thoughts. The claim settlement ratio seems quite poor, and I’ve heard that several hospitals are no longer accepting Star Health policies.

I opted for their comprehensive plan to cover my mother (57), who doesn’t have any pre-existing conditions. While the coverage seemed great initially, I’m now considering switching to a more reliable insurer. I’ve also heard about the option to port health insurance policies—does anyone have experience with this? Is it better to port my policy or start fresh with a new one?

I’m currently based in Chennai and would really appreciate suggestions for a dependable health insurance provider. If you’ve had good experiences with any insurers, especially for claims and hospital acceptance, please share your recommendations. Thanks in advance!

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I have A Plus Health Insurance Policy from Universal Sompo General Insurance. My claims experience has been good. Cashless processing was quick during my fathers hospitalisation and discharge formalities also smooth. Reliable company. Recommended to all.

 

[CCFinvest]

I renewed my Star Health policy recently for me and my parents, I had a good experience overall. Although I had some initial doubts after reading mixed reviews, I decided to stick with them as their network hospitals are still quite extensive. I would recommend contacting their customer support directly if you have specific questions—they were able to clarify many of my concerns regarding cashless claims and hospital tie-ups.

Have you ever filed a claim on your policy?

 

[Aadil Merchant]

I’ve been using Star Health Insurance for the past two years, chosen after comparing plans on PolicyBazaar. I renewed it last year despite coming across numerous negative reviews and concerns about their claim settlement ratio.

Now, my renewal is due in January, and I’m having second thoughts. The claim settlement ratio seems quite poor, and I’ve heard that several hospitals are no longer accepting Star Health policies.

I opted for their comprehensive plan to cover my mother (57), who doesn’t have any pre-existing conditions. While the coverage seemed great initially, I’m now considering switching to a more reliable insurer. I’ve also heard about the option to port health insurance policies—does anyone have experience with this? Is it better to port my policy or start fresh with a new one?

I’m currently based in Chennai and would really appreciate suggestions for a dependable health insurance provider. If you’ve had good experiences with any insurers, especially for claims and hospital acceptance, please share your recommendations. Thanks in advance!

View attachment 76596

I had good experience with their cashless claim this year in chennai, approval was received within 45mins and that too on Sunday. As far as i know that many treatments have waiting period of 2 years, so in your case renewing it will be beneficial for you. If required you can opt for add ons to be on safer side, consult their team for adding it.

 

[falk0n99]

I’ve been using Star Health Insurance for the past two years, chosen after comparing plans on PolicyBazaar. I renewed it last year despite coming across numerous negative reviews and concerns about their claim settlement ratio.

Now, my renewal is due in January, and I’m having second thoughts. The claim settlement ratio seems quite poor, and I’ve heard that several hospitals are no longer accepting Star Health policies.

I opted for their comprehensive plan to cover my mother (57), who doesn’t have any pre-existing conditions. While the coverage seemed great initially, I’m now considering switching to a more reliable insurer. I’ve also heard about the option to port health insurance policies—does anyone have experience with this? Is it better to port my policy or start fresh with a new one?

I’m currently based in Chennai and would really appreciate suggestions for a dependable health insurance provider. If you’ve had good experiences with any insurers, especially for claims and hospital acceptance, please share your recommendations. Thanks in advance!

View attachment 76596

I am from the insurance industry. What I heard is that star priced their products too aggressively and were too lenient with their underwriting practices to gain topline before listing and around the same time.

Ultimately, the crows came to roost - their claims exploded, and thus they started cutting corners, not paying full claim amounts or outright denying them to manage costs.

Would recommend Niva - good value for money, excellent features, and good settlement as well in private players space. I have personally purchased from them.

Rest up to you and good luck.

 

[Chiraga]

Have you ever filed a claim on your policy?

Touchwood, there has been no such situations in my life.

 

[K Sundar]

I have been a Star Health agent for the past 15 years and I have more than 50 happy customers. So far, I have helped many of my customers claim their hospitalisation and treatment expenses and they are referring me to their friends and relatives. Personally, in 2011 when I was involved in a serious road accident, with head injury, even my employer SB Cables didn't bear my hospital charges of 54000 though the owner Bhawarlal visited me in the hospital and assured my wife he will pay my hospital bills. My wife had to pledge her jewels to pay the hospital bills, because she was not aware of my insurance. After discharge from hospital I submitted all my bills to Star health and got my claim and redeemed my wife's jewels. Because of my personal experience I have got my full faith in Star health and so far I don't have any claim issues.

 

[CCFinvest]

I had good experience with their cashless claim this year in chennai, approval was received within 45mins and that too on Sunday. As far as i know that many treatments have waiting period of 2 years, so in your case renewing it will be beneficial for you. If required you can opt for add ons to be on safer side, consult their team for adding it.

Porting does not add any extra waiting period. It will be same as your current policy.

 

[CCFinvest]

Star Health gets showcause notice from IRDAI

IRDAI issues show cause notice to Star Health for alleged violations, company responds to observations within 21 days.

www.thehindu.com

Please check ✅

 

[Surinder Kumar]

I’ve been using Star Health Insurance for the past two years, chosen after comparing plans on PolicyBazaar. I renewed it last year despite coming across numerous negative reviews and concerns about their claim settlement ratio.

Now, my renewal is due in January, and I’m having second thoughts. The claim settlement ratio seems quite poor, and I’ve heard that several hospitals are no longer accepting Star Health policies.

I opted for their comprehensive plan to cover my mother (57), who doesn’t have any pre-existing conditions. While the coverage seemed great initially, I’m now considering switching to a more reliable insurer. I’ve also heard about the option to port health insurance policies—does anyone have experience with this? Is it better to port my policy or start fresh with a new one?

I’m currently based in Chennai and would really appreciate suggestions for a dependable health insurance provider. If you’ve had good experiences with any insurers, especially for claims and hospital acceptance, please share your recommendations. Thanks in advance!

View attachment 76596

My parents have one A Plus Health Insurance Policy from Universal Sompo. Although I have of some Govt. company which I never had to use.

Once my Father had to make a small claim from A Plus Universal Sompo. I remember that their cashless processing was very quick during my father’s hospitalisation and discharge formalities also smooth to an extent. Reliable service we experienced.

 

[quino]

how come this thread suddenly has 3 glowing reviews of a specific policy from Universal Sompo. can't believe it to the point, it sounds fishy.

 

[Sriim]

how come this thread suddenly has 3 glowing reviews of a specific policy from Universal Sompo. can't believe it to the point, it sounds fishy.

All from TF Neo members who have posted only that message

 

[hariselio]

So almost everyone who suggested some policy in this thread is joined only yesterday and having only one reply here in this thread 🙁 Are they bot?

 

[tryabptryabp is verified member.]

One word answer on title of this post: IMMEDIATELY PORT FROM STAR HEALTH.

 

[bhavyakjain]

I would recommend to go for HDFC Optima Secure for better service, even when price could be little higher(10-15%). I am using this policy from last 7-8 years and claimed (70-80% insured value) every year for my mother (Arthritis regular treatment). I need to pay only 2-3k per admission.
Processing of claim is also faster, along with hospital coverage.

Did you get it offline or through a web aggregator (Ditto, etc)

 

[anujdit]

Did you get it offline or through a web aggregator (Ditto, etc)

Through a agent which was giving me good discount every year as compare to online. I am getting discount every year (he shares some part of his commission)

 

[akilmds]

Through a agent which was giving me good discount every year as compare to online. I am getting discount every year (he shares some part of his commission)

how many % discount?

 

[anujdit]

how many % discount?

Around 10% discount

 

[Zacobite]

I am from the insurance industry. What I heard is that star priced their products too aggressively and were too lenient with their underwriting practices to gain topline before listing and around the same time.

Ultimately, the crows came to roost - their claims exploded, and thus they started cutting corners, not paying full claim amounts or outright denying them to manage costs.

Would recommend Niva - good value for money, excellent features, and good settlement as well in private players space. I have personally purchased from them.

Rest up to you and good luck.

niva is worst. never ever!! try getting any service and see

 

[CCFinvest]

niva is worst. never ever!! try getting any service and see

Can you please share your experience in details?

 

[Zacobite]

Can you please share your experience in details?

bad service / fraudulent communication / v v difficult to resolve any issues.. in my renewal policy ( 13 yr old policy with no claims) they deleted all bonus / riders / accumulated benefits and increased premium by 52%..age slab chg apparently was 40% increase.. ridiculous.. Have been trying to get an explanation for 1 month.. no response even from grievance cell.. finally filed with ombudsman.. last yr they loaded obesity loading for my 5 year old son!! randomly... had to fight again and got resolution after complain to irda... and all this is normal service.. not even during claim.. imagine what will happen if u claim.. run as far as u can from. bupa.. their service sucks.. risky and fraudulent!!!!! will be porting out this yr..