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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.
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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
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