I bought a Family Insurance Plan from Star Insurance Company because a relation benefited from the policy, but she(the main insured) and her husband are covered under the group insurance scheme for Tamil Nadu Government employees.
For insurance plan validation, I and my wife had to go through medical tests. But I was surprised when I got the policy after many weeks(and during the black out period I was not able to contact the Sales Manager through whom we bought the policy; and he never returned my calls).
My policy was split from the Family Plan for four members including my wife and two children. My cover was for Rs.150000, even though I had opted for Rs.5 lakhs cover for the entire family. After the split the cover for the remaining three family members was for Rs.4 lakhs.
According to the medical assessment done by Star Health Insurance, I was marked as a diabetic and with coronary artery disease(heart disease).
I am neither a diabetic nor do I have any heart ailments. Even at 53 years of age, I can run up several flights of stairs without gasping for breath. Therefore the conclusions drawn by Star Health Insurance from fasting blood sugar test, urine test, blood pressure check, general health check and tread mill test are erroneous. I wanted copies of the medical reports but the company has not sent the medical report copies to me.
According to the insurance policy standards, only the readings for the first three stages of the treadmill test(TMT) matter. So midway into stage 4 I asked the technician to stop the machine because what mattered was the recording of the first three stages. And the results were clean. But they have arrived at the wrong conclusion based on what is called false positive(by Padmashree Dr. K. A. Abraham, consultant cardiologist of Vijay Heart Foundation, Chennai).
I feel cheated by the company. If their process were clean, they should have given me copies of the medical reports. I wish the insurance company’s operations and processes were transperant. But unfortunately they are not.
Goutam Ghosh