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IN-2026-0147 · Filed 12 May 2026

Star Health & Allied Insurance₹4,80,000

Policy SH-88214-GJ · Ground: Pre-existing condition (health)

Strong · 82/100

Current forum

Insurance Ombudsman, Ahmedabad

Next date

4 Aug 2026

Your lawyer

Adv. Manasvi Thapar

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Case timeline

  1. 12 May 2026

    Case registered & documents verified

    Policy, rejection letter and discharge summary uploaded. KYC completed via DigiLocker.

  2. 13 May 2026

    AI triage — Strong case (82/100)

    Rejection cites a pre-existing condition outside the policy's waiting period. Contestable under IRDAI PPHI Regulations 2024. Lawyer confirmed.

  3. 15 May 2026

    Legal demand notice served

    Notice sent by registered email and courier demanding settlement of ₹4,80,000 with 18% interest within 15 days.

  4. 2 Jun 2026

    IGMS complaint escalated

    Insurer's reply unsatisfactory. Complaint escalated on IRDAI Bima Bharosa; SLA triggered.

  5. 24 Jun 2026

    Ombudsman complaint filed

    Complaint filed before the Insurance Ombudsman, Ahmedabad. Awaiting hearing.

  6. 4 Aug 2026

    Ombudsman hearing

    Personal hearing listed. Adv. Thapar will appear with the claimant.

Documents on file

View demand notice
  • Policy document.pdfVerified
  • Rejection letter.pdfVerified
  • Claim form & correspondence.pdfVerified
  • Discharge summary.pdfVerified