Health Insurance Star Health Insurance Claim Rejected

We bought group policy for my parents through Bank of Baroda agent and it was 2nd year of policy my father was admitted to the hospital and for severe chest infection during treatment he diagnosed with Lung cancer advance stage, he was hospitalised for around 6 weeks in Sai Amrut Hospital Satara, in that he succumbed to the disease. We filed claim as hospital wasn’t in insurance list, we submitted all the records and required documents to the star health insurance company.First they asked for doctors letter stating that cancer wasn’t existed before hospitalisation , we provided them all the information time and again, after 2 months they rejected claim by stating that while renewal of policy we hide the patient’s condition , in actual at the time of policy renewal my father wasn’t ill, he was in good health.
Star health insurance company is a bid fraudster, who doesn’t want to pay the consumers bills, and harasses them while the process.
Why don’t they go to the hospitals and check themselves the situation of the patient, or they can meet the doctor. We have all the documents if need to provide. My old mother has to deal with this issue after my fathers demise and she stays alone.
Insurance company toll free numbers or provided contact numbers are fraud they don’t even care consumers, they reply only via emails.
Policy No: P/151119/01/2025/001547

Claim No : CIG/2025/151119/1906439
&
Intimation No CIG/
2026/151119/0080859

Hello @Heena Mulla

Heena Mulla said:

First they asked for doctors letter stating that cancer wasn’t existed before hospitalisation

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Have you shared the details ?

details to whom? To the insurance company? Yes , this is the rejection letter we have received after submitting all the documents. Earlier they rejected the claim citing doctors letter of confirmation no pre existing cancer. We submitted that too then they again rejected by saying that he had COPD & ALI and we didn’t inform to the insurance company, in actuality which wasn’t diagnosed before hospitalisation. And my father wasn’t even paralysed since 2004, it was due to potassium deficiency and he was fully recovered in 2 days. So it wasn’t needed to mention while buying the policy. Please need your assistance to get the reimbursement .
I have attached the doctors letter which was submitted to the insurance company along with all case papers

Hello @Heena Mulla

Thanks for sharing the documents, after reviewing the details, we suggest you to file a Consumer Case against the Star Health Insurance.

For any help in drafting and filing the case, feel free to contact us.

Thanks