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Star Health Insurance - Renew or Port ?
- Thread starter akilmds
- Start date
I have a star policy for my parents. Aged 58 and 67.
Cashless claims are okayish. Had to claim it twice due to my mother's health condition. They never pay in full.
First, for Angioplasty, claimed 2.15 Lakhs, received 1.9 lakhs. One of the reason stated as the cost of stent will be within Max allowed as per the industry standards. (Image attached)
Second, for Bypass surgery, claimed 3.5 lakhs, received 3.2 lakhs. Rest were some extra charges which they didn't pay stating various TnC.
However, pre and post hospitalization reimbursement is a nightmare. They asked me to submit all the bills, invoices, reports (original) at their branch office or send it via speed Post to their chennai office.
I sent those, but there were so many queries and follow ups that I gave up pursuing. Around 32k reimbursement never paid by them.
About the porting - I did port this policy from MaxBupa to Star in around 2017. Porting was smooth and retained all the benefits (PED waiting periods, NC Bonus etc)
Finally - I suggest you port the police to HDFC. The premium is a bit High, but at the time of claims you will feel it's worth it.
And yes, do talk to joinditto guys. They are very professional and will help you without spamming.
**I also had a second thoughts about star this year and wanted to port, however, joinditto guys suggested not to port as for my policy, it is already past mortarium period (8 years) and due to my mother's health condition no new insurer will continue the same benefits, most likely new insurer will not cover the heart related issues. So I am currently stuck with Star.
Cashless claims are okayish. Had to claim it twice due to my mother's health condition. They never pay in full.
First, for Angioplasty, claimed 2.15 Lakhs, received 1.9 lakhs. One of the reason stated as the cost of stent will be within Max allowed as per the industry standards. (Image attached)
Second, for Bypass surgery, claimed 3.5 lakhs, received 3.2 lakhs. Rest were some extra charges which they didn't pay stating various TnC.
However, pre and post hospitalization reimbursement is a nightmare. They asked me to submit all the bills, invoices, reports (original) at their branch office or send it via speed Post to their chennai office.
I sent those, but there were so many queries and follow ups that I gave up pursuing. Around 32k reimbursement never paid by them.
About the porting - I did port this policy from MaxBupa to Star in around 2017. Porting was smooth and retained all the benefits (PED waiting periods, NC Bonus etc)
Finally - I suggest you port the police to HDFC. The premium is a bit High, but at the time of claims you will feel it's worth it.
And yes, do talk to joinditto guys. They are very professional and will help you without spamming.
**I also had a second thoughts about star this year and wanted to port, however, joinditto guys suggested not to port as for my policy, it is already past mortarium period (8 years) and due to my mother's health condition no new insurer will continue the same benefits, most likely new insurer will not cover the heart related issues. So I am currently stuck with Star.
Attachments
Very unfortunate. Didn't face such situations with Niva Bupa before.
send an email to grievance and see response time.. try their customer service number for spkg to an agent.. so terrible...AVOID
Star health is quite bad in my experience of claims. They try to squeeze as low as possible. I know most insurers try this, but star health is a step ahead. When i tried claimless they gave some vague reasons and forced to go for reimbursement mode. You have to bear the pain. When discussed with insurance desk their first statement is "ohh if star health be ready to pay from pocket". This is my personal experience.
Even i had similar experience with star health. They settled close to 50% with simple reason max claim settled. Still fighting but no confidence that ombudsman would be of any use.
creditguru
TF Buzz
I have recently ported from Star to HDFC Ergo because of Star's bad reviews, utilised Ditto's help for that which made entire process easier. After much research, I found HDFC Ergo and Tata AIG having better reviews and claim support than any other insurer, finally went ahead with HDFC Ergo as per Ditto's advice.
In case if you have American Express card, you can also choose that, they have tie up with ICICI Lombard but when Amex is in between, I guess claim support might be better.
In case if you have American Express card, you can also choose that, they have tie up with ICICI Lombard but when Amex is in between, I guess claim support might be better.
good plans:
old is gold hdfc ergo optima secure
emerging star icici elevate
challenger care supreme / ultimate
reliable tata aig medicare + & bajaj allianz
newbie manipal cigna sarvah param
AVOID even if they give you for free
NIVA BUPA
STAR
RELIANCE
🐨
!!
Sinatra
TF Buzz
star is the worst ,Please port to some provider, who has little accountability.
Star just have good salesman to sell the policy, everything else is pathetic, not even a decent customer support.
Even being a long-term policy holder they are refusing to provide me yearly free health checkup - a facility is in my policy.
Every time they came up with lame excuses to avoid that (chindi 1600 or 1800rupees) , once they even deleted my mobile number form their database and it took them 3 -4 month to fix their jokery.
Its better not to have a health insurance, than having star insurance and living under the illusion .
Star just have good salesman to sell the policy, everything else is pathetic, not even a decent customer support.
Even being a long-term policy holder they are refusing to provide me yearly free health checkup - a facility is in my policy.
Every time they came up with lame excuses to avoid that (chindi 1600 or 1800rupees) , once they even deleted my mobile number form their database and it took them 3 -4 month to fix their jokery.
Its better not to have a health insurance, than having star insurance and living under the illusion .
Last edited:
Ekavya
TF Ace
Hi! Out of context question: My mother bought a star health policy from a local agent (4 years ago). But I am irritated by their constant demand for docoments and deatils and I was not provided any explanation for any thing. Is it wise to manage this policy by myself via online ignoring the agent?
sjmajumder
TF Legend
PORT, no second thoughts about it. I know at least a dozen people personally whose payments have been rejected due to weird clauses in their policy. Go for HDFC Ergo (best experience - personal).
Porting will cover pre-existing diseases (if any). Fresh policy will have restrictions for initial years for certain diseases/procedures.
Porting will cover pre-existing diseases (if any). Fresh policy will have restrictions for initial years for certain diseases/procedures.
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