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Try your best to get rid of Star Health Policy if you have. They dont settle the claims and give wrong reasons to decline the claim. My opinion is it is bogus company for insurance making only money.
Find some other source.
Health Insurance companies are notorious for claim settlement. Save you hard earned money by other ways. Government authorities for lenient in making rules and regulations for them and promoting by tax benefit roses. Dont get fooled.
My claim is rejected after 7 months of process time on wrong reasons. Just for the sake they have rejected it. Planning to move to consumer court. Is there any authority who can listen us?