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Anonymous
Bangalore, Karnataka, India·3d ago

Insurance claim rejected after heart surgery — Star Health says 'pre-existing condition'

Had emergency heart bypass surgery. Bill ₹8,50,000. Star Health Insurance rejected claim saying 'pre-existing condition not disclosed'. I disclosed high BP during application and it was accepted. Policy number: SH/2023/BLR/889012. Cashless denied at hospital — had to pay from savings.
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Step 1: File complaint with IRDAI (Insurance Regulatory Authority) at igms.irda.gov.in — rejection of claim with disclosed conditions is unfair practice. Step 2: File with Insurance Ombudsman at cioins.co.in — free service, binding on insurer up to ₹30 lakhs.
**Step 3:** File in **Consumer Forum** with policy documents proving you disclosed high BP. **Step 4:** Send legal notice to Star Health citing **Insurance Act Section 45** — they cannot repudiate after 3 years for non-disclosure.

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Comments (7)

Sophie Martin3d ago

Tried the helpline number mentioned — actually got through and they were helpful!

Ana Santos2d ago

Just donated to support this platform. Keep exposing these issues.

Sophie Martin2d ago

I'm a lawyer and I can confirm this violates consumer protection laws.

Anonymous1d ago

Already filed my complaint on the same issue. Let's group together.

Priya Nair1d ago

How is this legal? Someone needs to take this to court.

Mike Thompson20h ago

Already filed my complaint on the same issue. Let's group together.

John MitchellJust now

Just donated to support this platform. Keep exposing these issues.