I had a bitter experience with Star Health insurance in India. My mom had been paying her insurance premium for more than 10 years. Star insurance was informed of her diabetic status and yet the consultant assured us it was fine and signed her up for the policy. He even made us take 2 policies for her - one standard policy and the other policy specially for diabetics and diabetes related ailments and complications. Recently my mom was diagnosed with 1 arterial block and was advised angioplasty. We were categorically and completely denied by Star health insurance. They simply stated that since she is a diabetic she couldn't avail anything. When pointed out that we have 2 policies including the 'diabetic insurance' we were plainly told that 'arterial block' is not one of the complications of diabetes for which they would pay. Maybe we should have been more careful before trusting these insurance companies easily. Our family feels ripped off!