As proposer I had purchased Start Health Senior Citizen Policy in 2010 and renewed in 2011. At the time of Policy I had declared that she has Hypertension. Recently she suffered from GBM Grade IV and have been operated on 30th June 2011. Initially start approved approximately 1.05 lakhs and after final discharge summary reduced to 85,000 and stating that being this being pre-existing disease they can repay only 85000. The only reason they felt that this is pre existing since she had one attack of seizure 4 years back. We felt cheated when we submitted claim for Radiation therapy 1.40 Lakh and same is rejected by Star mentioning being pre existing this can not be passed. I felt to understand that how single attack of Seizure can be concluded as GBM Grade IV. I contacted their customer care and they were not in position to resolve the queries. I tried contacting their doctor Dr. Rupali in Pune and requested a meeting with her but she was reluctant to avoid meeting. We have paid premium for 2 year and when it is time to pay back money they are rejecting. I also came to know from the hospital that Start Health has issues in paying back to customers and even the hospitals.

Please help what is way ahead. Can i approach IRDA /. consumer court?

Regards,
Nikhil