My sister went to see a doctor at Apollo Multispecialty Hospital. He asked her for her medical records, which she provided to him, thinking that he had good intentions. He was a Star Health Insurance panel doctor, and his intentions were nefarious. This doctor was very greedy, and he scanned and sent all her sensitive medial records to Star Health Insurance—without her consent.
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You can view the complaints about Star Health Insurance on Twitter in real-time with this Twitter search:
https://twitter.com/search?q=(StarHealth%20OR%20%22Star%20Health%20Insurance%22%20OR%20%40StarHealthIns)&f=live
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Note that there are about a hundred complaints per day on Twitter alone! Assuming 1% of Star Health Insurance’s users complain on Twitter, you can extrapolate that Star Health Insurance generates about 10, 000 complaints per day.
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Life is cheap in this part of the world, and doctors are super-greedy. It took me two years to understand this. India does not have anything like HIPAA, so doctors can do pretty much anything with your sensitive medical information. This implies that online pharmacies such as 1MG, PharmEasy, and Netmeds have nothing stopping them from selling your medical records to anyone, including Star Health Insurance.
Star Health Insurance denies claims by hook or crook. They get the claimant’s previous medical records from panel doctors and possibly online pharmacies. Star Health Insurance used this information maliciously to deny my sister her hospital claim based on some obscure detail that they claimed indicates a preexisting condition. This was not true—she did not have any preexisting condition. So, after diligently paying Star Health Insurance for many years, my sister had to sell all her jewelry to pay her hospital bill because the hospital won’t release you until you pay.
My sister’s mistake of giving Indian doctors the benefit of the doubt had other side effects. Star Health Insurance leaked her sensitive medical records to other insurance providers without her consent or informing her. As a result, she is now struggling to obtain affordable health insurance from other companies.