Exclusive: Paid premium for many years, but Star Health Insurance rejected the claim, customer’s claim – not being heard

Star Health Insurance Claim Rejected: In today’s time, taking health insurance has become very important. The ever-increasing medical expenses and treatment of serious diseases are sometimes so expensive that people have to sell their entire life savings and sometimes even their property when the disease becomes serious. People take health insurance plans thinking that this situation should not arise in their life, but what if you do not get the claim even after taking health insurance. Many times it happens that even if you pay the premium consistently and submit all the documents along with the hospital bill, the claim is not received.

Something similar has happened with Vijay Singh, a resident of Delhi. Vijay alleges that he had taken a health policy from Star Health Insurance, but the claim was not received. His claim has been rejected by the company.

Claim not received even after paying premium for many years

Vijay alleges that despite paying the premium for many years, the expenses incurred during his father’s hospitalization were not reimbursed. No positive response was given by the company when the claim was sought. However, such cases have come to light many times before regarding Star Health Insurance. Now this fight of Vijay with Star Health has come on social media platform X. This post is also going viral on X, where people are giving different reactions by targeting Star Health. Vijay wrote in his post, “You are a big blot on the name of health insurance,” and alleged that Star Health Insurance made promises while selling the policy, but did not support the customers or the policy holder when claims arose.

Long post written on

According to the information, after sharing this post on X, Star Health is trying to talk to Vijay. But, Vijay is now talking to X instead of talking to him directly. He says that he will spread awareness about Star Health Insurance Company so that people think before taking the policy. Vijay wrote in the post, “What should I say to you guys? For the last two years you have been driving me crazy, and now the people of Star Health are asking me to talk to you. I am very upset because of my dad, you have troubled me a lot, now I will talk to you on this platform.

He further wrote that we are people belonging to the middle class category, we earn money with great difficulty, we save every single penny, @StarHealthIns do not mislead people like us by selling fake insurance policies, because of your false promises the personal savings of people like us are greatly affected. However, after his post, he received a reply from the official account of Star Health that we have sent your problem to the concerned department.

Used to pay premium of Rs 23,832

According to the information, the policy documents shared on They pay an annual premium of Rs 23,832 for this policy. He paid the premium for 4 consecutive years, even after which the claim was rejected by the company. This policy was for Rs 5 lakh. According to Vijay, his father had to be admitted to the hospital in an emergency. The family hoped that the insurance company would cover the medical expenses under the policy and give them a claim. But, after the claim was rejected, the family had to bear the cost of treatment themselves.

Something at the time of signing the policy and something else later

Vijay alleges that while taking the policy of Star Health, he was told one thing and when he demanded the claim, he was told something else. He alleges, “When my father had to be admitted to the hospital, I realized how important the conditions were. His experience points to a bigger problem for insurance buyers in India. Vijay Singh, a resident of Delhi, said, ‘This is extremely disappointing, because we have been paying the premium for the policy for many years. Vijay Singh told our partner website NewsX that he had bought the Star Health policy for his father in 2022, thinking that it would help him financially in case of a medical emergency. Told that the annual premium has been increasing gradually.

They now pay around Rs 24,000 annually for the policy and estimate that the renewal premium in 2026 will be a little over Rs 29,000. Vijay further said that while buying the policy, he was mainly concerned about the sum assured and the guarantee of the fund, and not about the various conditions hidden in the document.

@StarHealthIns his is regarding once again harassment from Star Health insurance regarding claim of dialysis patient taking treatment at Fortis hospital, Mulund, This is regarding to the incident happened regarding final claim approval settlement from star health insurance,

— Amit (@Amit_srt) June 4, 2026

The policy was ported with trust

This entire matter is related to the treatment of TB. Vijay Singh says that his father had it about 25 years ago and he had completely recovered. This has been revealed from the emails we have seen. Vijay Singh sent an email to Star Health expressing his disappointment over this decision of the insurance company and said that he had maintained health insurance coverage for 4 years without making any claim. Vijay told that he had earlier taken the policy from Care Health Insurance and later ported it to Star Health due to the company’s claims of reputation and service standards. Vijay Singh told that his father was treated for TB more than two decades ago and he was completely cured. However, he said that when he requested for a cashless claim during his father’s hospitalization, Star Health had given old medical history.

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The family has all the documents

Star Health, in its response to the family, said that the cashless treatment request was rejected after assessment by their claims team. The insurance company said the insured had a history of pulmonary tuberculosis (PTB) about 26 years ago and asked for treatment records related to that condition. The company said that the duration of the illness and medical history could not be ascertained from the documents shown by the hospital, and further evaluation of the case is necessary. However, Star Health had told the family that they can still get compensation by submitting the hospital bills, discharge summary, investigation reports, prescriptions, previous treatment records and other supporting documents for review.

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The hospital also e-mailed Star Health

This dispute became even more serious when Yashoda Super Specialty Hospitals wrote a letter to the insurance company requesting them to reconsider the claim. In its letter, the hospital had sought approval for the entire treatment cost of Rs 227,384 including taxes. According to a statement from the hospital, patient Ghanshyam was admitted on August 17, 2024 and required medical care in the ICU due to low oxygen saturation. His symptoms were so severe that he was admitted and required IV antibiotics, painkillers and IV rehydration. The hospital requested the insurance company to reconsider the matter, saying that considering the seriousness of the medical emergency, it was not appropriate to reject the cashless claim.

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