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Date : Feb 16, 2009

Question

I TOOK AN POLICY IN STAR HEALTH ALLIED INSURANCE COMPANY, A FAMILY OPTIMA POLICY. I ADMITTED MY WIFE IN TO THE HOSPITAL ON 31ST DAY OF COMMENCEMENT OF THE POLICY. MY CLAIM IS REJECTED STATING THAT CLAIM FALLS UNDER 30 DAYS CLAUSE, WHEN I ENQUIRED THAY SAID THAT THE DISEASE SYMPTOMS APPEARED WITH IN THE 30 DAYS OF COMMENCEMENT OF THE POLICY. CAN I GO TO CONSUMER COURT ? WHAT THE "IRDA" SAYS ABOUT IT ? IS THIS EXCLUSION CRITERIA ( 30 DAYS CLAUSE) IS SAME FOR ALL INSURANCE PROVIDERS ? PLASE LET ME KNOW. I WILLBE THANKFULL TO YOU IF GET ANSWERS FOR MY QUERIES. THANKING YOU, A M CHANDRASHEKHAR, ASST. PROFESSOR, MYSORE, KARNATAKA.

Answer

This 30 day criteria applies to all the mediclaim policy. Please report this issue to the Insurance Ombudsman. The detials of the same will be available on the official website of IRDA. The ombudsman will look in to the same.

 

 

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