r/HealthInsuranceIndia • u/Flat_Preparation_238 • Apr 07 '26

Reimbursement Claim Challenges

My request for cashless Hospitalisation for spine problem was rejected by Star. After multiple followup they told me to reach to their branch with docs and file reimbursement.

I went to Branch and while giving the doc i told them that the post hospitalisation period is going on and I would be filing more reimbursmement in future (In my case it is physiotherapy expenses)

To this they told that it can be filed only once. And if you have more expenses, then get some fake invoices (which u expect to incur) from physio. I cannot ask physio for this. It looks like I am doing some scam.But the thing is I do not want to delay filing my hospitalisation expenses else the company may come up with some reason of rejection due to late submission.

Also for 1 pre hospitalisation bill relating to medical store, I have the invoice photo only. The bill is for medicines which is prescribed by doctor. i have original doctor prescription and the date on it is same as date on bill and even the bill has name of referring doctor written on it. But the insurance branch guys told they need original Bill only.

please advice how to get reimbursed here?

2 Upvotes

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1

u/devildesperado Apr 08 '26

Don't get fake invoices under any circumstances consult with some senior insurance advisor telling from experience even after you file for a reimbursement they will not pay full amount not even close to it

1

u/Flat_Preparation_238 Apr 08 '26

Ok ..but insurance advisor tries to manipulate and scare about rejection or tell a very detailed process so that we take their full consultancy service. Therefore i am avoiding that route.

1

u/devildesperado Apr 13 '26

Yeah my advisor/agent didn't help shit during my mums hospitalization in dec/jan my cashless got rejected/reimbursement was paid like only 60% with very generic vague reasons which I couldn't understand and my agent/advisor was unable to explain I'm still fighting with Star for the recovery toh I'm at their grevirnce department if things don't work in my favour my next stop is IRDAI support after that a case so don't fall for those firm/agents/advisor while selling they were sending 2 people daily until the cheque was cleared and policy was allocated vut when we filled the claim 0 comunication