Claim Rejected

My sister bought the Young Star plan from Star Health Insurance on March 10, 2021. We paid the second-year premium during the grace period on April 1, 2022. The grace period typically allows an extra month to pay a missed premium without losing policy continuity. On March 19, 2024, she delivered a baby boy, and we filed a maternity claim for ₹30,000 (we had a cashless arrangement with ICICI Lombard for ₹50,000). After 15 days, the claim was rejected. The reason given was a "break-in period" in the policy, stating that 36 months had not been completed.

We always paid within the grace period, so there was no break. Despite reaching out to customer support and the Grievance Redressal Officer, they maintained the same stance.

Interestingly, Star Health's own blog provides an example similar to our situation, which supports our claim. The blog explains that paying within the grace period maintains policy continuity, but any treatment costs during the grace period are not covered. Despite presenting this information, our reconsideration was rejected with the same explanation.

Think twice before choosing Star Health Insurance.

Any help or advice will be highly appreciated. Thanks!!!

submitted by /u/Key_Confusion_5401
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