i wish to bring in notice of all concerned persons and esp irda as this is the high time they should take actions against these type of fraud company whose main aim is not to insure the person but to loot his or her money by various stupid explanations and want to exploit the person who is already under stress of medical emergency i took on-line policy from star health in march 2011 of my mother lajja bansal with policy no p/700002/2011/001636 with sum insured 1 lac than in next following years i.e. in 2013-14 it became policy no p/700002/01/2013/012426 with sum insured 400000[4 lac] .at the same time in month of march 2011 i took health insurance of other 5 members of family too my mother took consultation from dr vinod agrawal here after having lots of pain during walking in the month of july2013 and after investigation he referred her to dr ashok rajgopalan medanta hospital and he advised b/l tkr for that we plaaned her to be admit on 16th dec2013 for this to avail cashless facility we prouced claim under claim no 0175328 as we were told expenses of nearly 4.5 lac at hospital and she was having 4 lac sum insured now here comes play from star health who wants to cheat only 1]first of all they denied the claim giving explanation that the person has onset of disease prior to initiation of policy 2]on argument on same next day they authorised the insurance but to only 50000[fifty thousands] giving explanation that we can give 50% copayment on sum insured of 1 lac,,,, 3]on again asking how and why this 50% apply? and person is having cover of rs 4 lac from march 2013 to march 2014 they don’t have any satisfactory reply now i challange dr prakash subbarayan who is medical expert head to prove which day she got this deformity and i will prove her disease onset time same in court of law and how you can change sum insured from 2013-14 from 4 lac to 1 lac i think we should get full benefits under irda rules and regulation and we are being denied despite giving so heavy premium even when person concerned still below 65 yers i demand from irda and concerned persons to take strict action as soon as possible otherwise i will take this matter to court of law and will not let you till supreme court and bottom line person to make awareness dr amit bansal 199 jalesar road firozabad u.p mob-9412266359 claim no 0175328 (star health]

complete benefit under age of 65 yr under irda rules and regulations

Complainant Information
name- AMIT