I have taken a personal mediclaim floater policy from Star Health for my parents. The policy was taken on July 2008 and renewed all through out. My mother was detected with Liver disease in May 2009. However I decided to use my employers' mediclaim policy (Bajaj Allianz) which covers my parents as well and it worked well till this year. Unfortunately, my mother went through couple of hospitalization in year 2011-2012, which exhausted my employers' mediclaim limit. Also my mother was diagnosed with Knee problem just about 6-9 months back and was suggested by doctor to go through Knee replacement surgery, which we decided to take up using the personal insurance of Star Health. Initially Star Health rejected to give us Cashless facility for Knee Replacement Surgery because of Liver disease. Later when we submitted the claim, it rejected it, saying we did not disclosed the Liver disease which existed before July 2008.
I have requested to reconsider the claim based on the ground that knee replacement has nothing to do with Liver disease. Also I provided the first consultation letter for Liver disease when my mother was first hospitalized way back in May 2009. I am awaiting for response from the Star Health for reconsideration of claim.
I am seeking help to recover my claim and also wanted law to take severe action against the Medical Insurance policy companies for troubling genuine holders during their critical times. The reason I say this is because, although I have provided them with all the documents which states the medical history, they denied the claim. Hence I seek severe punishment / action on such companies.