To: grievances@starhealth.in; gro@starhealth.in

To,
Mr. S. Chandrabose
Grievance Redressal Officer
Corporate Grievance Department
Star Health and Allied Insurance Co. Ltd.
4th Floor, Balaji Complex, No. 15, Whites Lane, Whites Road, Royapettah, Chennai - 600014

Date: [DD-MM-YYYY]

Subject: Grievance against [rejection / partial settlement / cashless denial / delay] of claim no. [____] under policy no. [____]

Sir,

1. Policyholder: [name], [mobile], [registered email]. Insured patient: [name], Star Health ID [____].
2. Policy: [product name], policy no. [____], period [from] to [to], sum insured Rs. [____].
3. Claim: claim no. [____], hospital [name, city], admitted [date], discharged [date], amount claimed Rs. [____].
4. Earlier complaint: I complained to Star Health customer care on [date] (reference no. [____]) [and to the Customer Escalations Team on [date]]. [No resolution has been received / The reply dated [date] is not acceptable because ____.]
5. Star Health's decision: [rejected on [date] citing clause ____ / paid Rs. ____ of Rs. ____ / cashless request sent at [time] on [date] was denied or not answered].
6. Why the decision is wrong: [explain in 3 to 6 lines with facts and the policy clause].
   [If rejected for documents or late intimation:] IRDAI's Master Circular on Protection of Policyholders' Interests, 2024 says no claim shall be rejected or closed for want of documents or for delayed intimation.
   [If part-paid:] Please give the policy clause for each deduction, as IRDAI's Master Circular on Health Insurance Business, 2024 requires.
7. Relief sought: [settle the claim for Rs. ____ / pay the balance Rs. ____ / reconsider the claim on merits], with interest as admissible.

Please acknowledge this grievance and resolve it within 14 days, as stated in Star Health's Citizens' Charter. If it is not resolved, I will approach IRDAI (Bima Bharosa) and the Insurance Ombudsman.

Enclosures: policy copy; claim form; rejection or settlement letter; discharge summary and bills; earlier complaint and reference number; KYC.

[Signature]
[Name]