I had a Senior Citizen policy with Star health taken 2 years back. While selling policy they dont explain clearly the definition of Pre Existing Disease, loader if you have any claim during previous year etc. They just state that if person not undergone treatment for past 12 months for a particular disease it is eligible. At the time of claim they will deny it.
Loader is if your claim is beyond the premium ( now a days any hospitalisation you cant expect less than Rs 20, 000 bill) then they charge loading in next year premium which is almost 50 to 100%. Note carefully For pre existing co payment is 50% through out and 30% for other claims. Any of the clarification you ask with customer support or any of Star Health rep, and if you ask the same thing to mail you, they will flatly refuse saying that its thier policy that they cant send mail communication / confirmation. It is only orally they explain.
At the time of claims their own representative from claim department wash the hands saying that claims cant be processed and they pass a comment that at the time of taking policy, you should have taken this communication by email or in writing. Most of the insurance companies twist you with some reason at the time of claim, STAR Health insurance does it extreme possible and ensure that none of its customers are satisfied..
My advise is be careful while opting for Star Health Insurance