Review:
I am extremely disappointed with Star Health and Allied Insurance for rejecting my claim under Policy No. 3338112404008822 and canceling the policy ab initio without valid grounds.
My son was hospitalized at Krishna Institute of Medical Sciences, Secunderabad on 03-Nov-2025 for Henoch-Schonlein Purpura(HSP), an acute vasculitis condition. The claim was rejected citing non-disclosure of Autism, which is completely false and based on a clerical error in the admission sheet.
I provided:
Doctors certification letters
Hospital administration clarification
Neuropsychological evaluation reports confirming no autistic features
Self-declaration and supporting documents
Despite this, Star Health ignored all evidence and continued to reject the claim. This violates IRDAI Health Insurance Regulations, which clearly state:
Repudiation for non-disclosure must be material and related to the claim.
Cancellation ab initio is allowed only in cases of fraud or deliberate misrepresentation.
The hospitalization was for HSP, unrelated to any alleged pre-existing condition. Multiple claim submissions were made, yet Star Health failed to act fairly.
My advice: Think twice before choosing Star Health. Their claim settlement process is opaque, and they disregard IRDAI norms. I have escalated this matter to IRDAI and will approach the Insurance Ombudsman.
. . .
Dont take Star Health Insurance. Please switch to a better health insurance immediately. I am a victim of Star Health Insurance.