Another glitch I have observed is.. if we don't disclose any knee probelm, wait period for knee replacement coverage is 2 years. If we disclose even a minor problem, wait period is 3 years. Clearly being proactive or genuine don't go well.
We had very bad experience with Star Health insurance for covering nephrotic syndrome which triggered due to Covid vaccine.
As you mentioned in the brief, advisors role is very very critical along with customer.
This is so true especially in case of Star health. I was recently hospitalised for minor surgery and the hospital charged for OT, gloves, room rent and post surgery accessory required to heal back. As you have mentioned in the article, forget about the gloves star didn’t even paid for that compulsory accessory recommended by doctor.
Second case, couple of months back in knee replacement surgery of a relative Star didn’t paid for Pre op and post op X-rays of patient saying that it was a part of the package negotiated with the hospital and as usual the hospital said that it is not part of the package negotiated with star and charges were borne by the patient.
I am just amazed by this, is knee replacement diagnosis and then operation possible without X- rays? I think Star people are dumb and dumber are the Jupiter hospital people for not making X- rays the part of knee replacement package.
Star health insurance company is not at all worried about the charges being charged by the hospital to patient. They are blindly and half heartedly passing the bills up to the amount Pre-negotiated with the hospital as over charged amount is to be borne by the supposedly Richie rich patient.
Whole local staff of star is just busy in selling their foolish and over priced policies.
Additionally, the star empanelled hospital are not aware about the process of star health as in when hospital is supposed to ask for review of the decision for the claim amount passed by the company they have to give justification for the same. Hospital is replying with the same papers asking for review and star has a policy to not consider for review a case if no more additional documents are produced by the hospital in support of the amount being claimed by the hospital. This I came to know after I was harassed for more than 6 hours after my discharge and I was still in hospital.
Patient is not there to learn about the damn process and this is what nobody understands.
Another glitch I have observed is.. if we don't disclose any knee probelm, wait period for knee replacement coverage is 2 years. If we disclose even a minor problem, wait period is 3 years. Clearly being proactive or genuine don't go well.
We had very bad experience with Star Health insurance for covering nephrotic syndrome which triggered due to Covid vaccine.
As you mentioned in the brief, advisors role is very very critical along with customer.
This is so true especially in case of Star health. I was recently hospitalised for minor surgery and the hospital charged for OT, gloves, room rent and post surgery accessory required to heal back. As you have mentioned in the article, forget about the gloves star didn’t even paid for that compulsory accessory recommended by doctor.
Second case, couple of months back in knee replacement surgery of a relative Star didn’t paid for Pre op and post op X-rays of patient saying that it was a part of the package negotiated with the hospital and as usual the hospital said that it is not part of the package negotiated with star and charges were borne by the patient.
I am just amazed by this, is knee replacement diagnosis and then operation possible without X- rays? I think Star people are dumb and dumber are the Jupiter hospital people for not making X- rays the part of knee replacement package.
Star health insurance company is not at all worried about the charges being charged by the hospital to patient. They are blindly and half heartedly passing the bills up to the amount Pre-negotiated with the hospital as over charged amount is to be borne by the supposedly Richie rich patient.
Whole local staff of star is just busy in selling their foolish and over priced policies.
Additionally, the star empanelled hospital are not aware about the process of star health as in when hospital is supposed to ask for review of the decision for the claim amount passed by the company they have to give justification for the same. Hospital is replying with the same papers asking for review and star has a policy to not consider for review a case if no more additional documents are produced by the hospital in support of the amount being claimed by the hospital. This I came to know after I was harassed for more than 6 hours after my discharge and I was still in hospital.
Patient is not there to learn about the damn process and this is what nobody understands.
We are sorry to hear this, Bhratesh. Thank you for sharing this with us.