Complaints of Star Health Insurance have increased by 65 percent in the last 3 years, what are the reasons behind rejecting claims?

Star Health Insurance claim Reject: Health insurance has not only become a necessity in today’s times but is also considered a great way to maintain your financial security. Health insurance today has become not just a financial product for crores of Indian families but also a support in difficult times. People pay premiums regularly for years, with the assurance that their insurance cover will ease the financial burden in case of a medical emergency. Health insurance is often considered the biggest financial support in difficult times or companion of sorrow. With this thinking, the customer trusts the health insurance company and makes a bond deal with it and pays the premium year after year. But, in recent years, increasing complaints against health insurance companies have raised many questions on this trust.

Among these, maximum number of complaints are being seen against Star Health Insurance. There have been many such complaints in the recent past, which are forcing people to think before taking health insurance. Complaints about Star Health Insurance like claim rejection, delay in settlement and lack of adequate information are continuously coming to the fore.

The problem of patients is continuously increasing

In recent years, increasing complaints against health insurance companies have raised many questions on this trust. Many policyholders say that the real challenge begins not after hospitalization, but after applying for the claim. Complaints like claim rejection, delay in settlement and lack of adequate information are continuously coming to the fore from Star Health Insurance. Many customers are also sharing their problems on social media platforms and claiming that they are not even told properly as to why their claim is rejected.

According to the information received, complaints received by Star Health Insurance Company have increased rapidly in the last 2-3 years. If seen, according to the data shared in Parliament by the Finance Ministry, there has been a significant increase in the number of complaints registered in the insurance sector. While the total number of complaints was a little more than 2 lakh in the financial year 2023, by the financial year 2025 this figure increased to about 2.58 lakh. You can get an idea of ​​this on the basis of the list of figures given below.

Is the company wrong just on the basis of complaints?

According to people associated with the health insurance sector, having more complaints against a company cannot in itself be considered as evidence of wrongdoing. But, the continuously increasing complaints definitely indicate that the customer experience is not good for that company and somewhere there is a problem in the claim process. Therefore, there may be a need to improve in this direction. If we look at the data, in the financial year 2025, the complaints against Star Health Insurance alone were more than the complaints of many big companies like Niva Bupa, ICICI Loambard, HDFC Ergo and New India Assurance.

Customers expressing their displeasure on social media

In recent months, many insurance customers have shared their experiences on different social media platforms. Among these, some people have complained about claim rejection, some about delay in payment and some about not getting adequate explanation. In many cases, customers have alleged that they are not even told the exact reason for which their claim has been rejected. At the same time, some people claimed that they repeatedly contacted the customer care, complaint team and digital support channels, but they were only told that your process is in progress. On the other hand, many insurance companies say that they tried to contact customers, but could not reach them or the required documents were not provided on time. If you look on social media, customers share many proofs including their claim forms and policy numbers, which cannot be denied by the company.

Claim rejected as not necessary

In the last few days, we covered some such cases in which a 7 year old child was not able to get the claim and an elderly person was also not able to get the claim of Star Health Insurance for the treatment. At the same time, another such case has come to light, where in a letter dated March 21, 2026, Star Health, based in Mumbai, P.D. Hinduja National Hospital and Medical Research Center was informed that 65 year old insured patient Laxmi Lal B. was admitted to the hospital due to fever. He is not able to claim Jain’s claim. The thing to be seen is that the claim has been rejected by the company saying that hospitalization is not necessary in case of fever. This issue has been shared by customer on When a patient has PD A hospital like Hinduja National Hospital is admitted due to fever, and when the doctor or hospital treating the patient considers the admission necessary, on what medical basis does the insurer later decide that the admission was not justified?

Why are claims being rejected?

When asked questions by Star Health Insurance, there is no definite answer from the company as to why so many claims are being rejected. In this context, our partner website NewsX contacted Star Health Customer Care. To better understand Star Health’s claims process, NewsX posed as a potential customer and contacted the company’s customer care team on two separate occasions. NewsX asked several questions based on issues repeatedly raised by existing policyholders. When asked whether a person with a pre-existing condition who was not taking medication at the time of purchasing the policy would be eligible to make a claim, the representative explained that accident related injuries are covered from day one and claims, including claims related to pre-existing conditions, can be made after the policy activation period, subject to the policy terms.

@drprashantmish6 #StarHealthInsurance my father is having fever for last 8 days, fever of more 100°f, needed admission, star health says patient does not need admission, we (star health) wont pay for same.
For what purpose do we buy medical insurance? pic.twitter.com/RB8PjVA7W4

— Naresh Jain (@NareshJ57438) March 22, 2026

Even customer care did not give correct answer

When asked about the claims, the representative said that a medical expert visits hospitals and checks the records before processing the claims. The representative also said that if handwritten receipts are issued on hospital letterhead and have an official seal, they can be accepted. In another question, NewsX cited cases where claims were rejected on the grounds that policyholders alleged that hospitalization was not medically necessary. The customer service representative informed that claims for treatment requiring hospitalization will be considered and after verification, pre and post hospitalization expenses can also be reimbursed. NewsX also asked whether medical examination of customers is done before issuing the policy. The representative said that generally no such investigation is necessary and the company depends on the medical records and information submitted by the customers.

The post Complaints box of Star Health Insurance has increased by 65 percent in the last 3 years, what are the reasons behind rejecting claims appeared first on Latest.