u/Ash__5453

Need advice regarding Star Health Super Star policy claim rejection.

My father was hospitalized from Jan 20 to Jan 23. Our policy has 180 days post-hospitalisation coverage (up to around July 23).

We submitted around ₹54k worth of post-hospitalisation expenses including:

CT scan

Blood tests

Medicines

Follow-up consultations

Star Health approved only around ₹10.5k and rejected many items saying “exceeded dates”.

But all major expenses were actually within the 180-day period.

Some details:

Only ₹453 worth of medicines were mistakenly billed in my name (understandable rejection)

Psychotherapy OPD ₹800 was rejected

One ₹6500 diagnostic bill was rejected because it was submitted as a Xerox/WhatsApp tax invoice copy, but now I have obtained the original bill

Most other medicines/tests were in the patient’s name and within the policy period

I emailed them explaining the 180-day coverage, but they sent a generic reply saying:

“maximum eligible amount already settled” and “non-payable/non-medical expenses deducted.”

They did not specifically explain why “exceeded dates” was applied despite the 180-day cover.

I also spoke with the agent, and he said they would reconsider the claim within 1 week (1 day remaining now).

One more concern:

My policy is ending/renewal is due this month, but I still have around 2 months remaining under the 180-day post-hospitalisation period. Can they reject future valid post-hospitalisation claims because the policy expires before the 180 days end?

Has anyone faced something similar with Star Health?

Especially regarding:

Wrong “exceeded dates” rejection

Post-hospitalisation claim disputes

Claims after policy expiry but within post-hospitalisation period

Should I be ready to escalate to grievance/IRDAI/Insurance Ombudsman if they don’t properly respond?

Any advice would help.

Edit: used Ai

Need advice regarding Star Health Super Star policy claim rejection.

My father was hospitalized from Jan 20 to Jan 23. Our policy has 180 days post-hospitalisation coverage (up to around July 23).

We submitted around ₹54k worth of post-hospitalisation expenses including:

CT scan

Blood tests

Medicines

Follow-up consultations

Star Health approved only around ₹10.5k and rejected many items saying “exceeded dates”.

But all major expenses were actually within the 180-day period.

Some details:

Only ₹453 worth of medicines were mistakenly billed in my name (understandable rejection)

Psychotherapy OPD ₹800 was rejected

One ₹6500 diagnostic bill was rejected because it was submitted as a Xerox/WhatsApp tax invoice copy, but now I have obtained the original bill

Most other medicines/tests were in the patient’s name and within the policy period

I emailed them explaining the 180-day coverage, but they sent a generic reply saying:

“maximum eligible amount already settled” and “non-payable/non-medical expenses deducted.”

They did not specifically explain why “exceeded dates” was applied despite the 180-day cover.

I also spoke with the agent, and he said they would reconsider the claim within 1 week (1 day remaining now).

One more concern:

My policy is ending/renewal is due this month, but I still have around 2 months remaining under the 180-day post-hospitalisation period. Can they reject future valid post-hospitalisation claims because the policy expires before the 180 days end?

Has anyone faced something similar with Star Health?

Especially regarding:

Wrong “exceeded dates” rejection

Post-hospitalisation claim disputes

Claims after policy expiry but within post-hospitalisation period

Should I be ready to escalate to grievance/IRDAI/Insurance Ombudsman if they don’t properly respond?

Any advice would help.

Edit: used Ai

Need advice regarding Star Health Super Star policy claim rejection.

My father was hospitalized from Jan 20 to Jan 23. Our policy has 180 days post-hospitalisation coverage (up to around July 23).

We submitted around ₹54k worth of post-hospitalisation expenses including:

CT scan

Blood tests

Medicines

Follow-up consultations

Star Health approved only around ₹10.5k and rejected many items saying “exceeded dates”.

But all major expenses were actually within the 180-day period.

Some details:

Only ₹453 worth of medicines were mistakenly billed in my name (understandable rejection)

Psychotherapy OPD ₹800 was rejected

One ₹6500 diagnostic bill was rejected because it was submitted as a Xerox/WhatsApp tax invoice copy, but now I have obtained the original bill

Most other medicines/tests were in the patient’s name and within the policy period

I emailed them explaining the 180-day coverage, but they sent a generic reply saying:

“maximum eligible amount already settled” and “non-payable/non-medical expenses deducted.”

They did not specifically explain why “exceeded dates” was applied despite the 180-day cover.

I also spoke with the agent, and he said they would reconsider the claim within 1 week (1 day remaining now).

One more concern:

My policy is ending/renewal is due this month, but I still have around 2 months remaining under the 180-day post-hospitalisation period. Can they reject future valid post-hospitalisation claims because the policy expires before the 180 days end?

Has anyone faced something similar with Star Health?

Especially regarding:

Wrong “exceeded dates” rejection

Post-hospitalisation claim disputes

Claims after policy expiry but within post-hospitalisation period

Should I be ready to escalate to grievance/IRDAI/Insurance Ombudsman if they don’t properly respond?

Any advice would help.