19 July 2026

TO,
The Grievance Officer / Legal Department
Star Health & Allied Insurance
[Registered Office Address]

Subject: LEGAL NOTICE FOR UNJUSTIFIED REJECTION / NON-SETTLEMENT OF INSURANCE CLAIM — POLICY NO. SH-88214-GJ — DEMAND FOR SETTLEMENT

UNDER INSTRUCTIONS FROM AND ON BEHALF OF: Rajesh Patel, [Address] — hereinafter “the Claimant”.

TAKE NOTICE AS FOLLOWS:

1. POLICY DETAILS: Our client holds Insurance Policy No. SH-88214-GJ issued by you, covering the subject matter of insurance. Premium was duly paid and the policy was in force on the date of loss.
2. CLAIM AND REJECTION: Our client duly lodged a claim of ₹4,80,000 under the said policy. By your communication, you have rejected / failed to settle the said claim on the stated ground of: Pre-existing condition (health).
3. THE REJECTION IS ILLEGAL AND UNSUSTAINABLE:
   1. The condition cited by you does not fall within the policy's applicable waiting period, and no material pre-existing condition was concealed at the time of proposal. Under Regulation 13 of the IRDAI (Protection of Policyholders' Interests and Allied Matters of Insurers) Regulations, 2024, the burden of establishing a policy-voiding non-disclosure lies squarely on the insurer.
   2. The Hon'ble NCDRC has consistently held that a rejection on the ground of pre-existing disease requires contemporaneous medical evidence of diagnosis prior to policy inception — a bare allegation or an inference from the discharge summary is insufficient.
4. DEMAND: You are hereby called upon to (a) RECONSIDER and SETTLE the claim for ₹4,80,000 together with interest at 18% per annum from the date of rejection; OR (b) furnish a written, reasoned reply with legal justification within 15 (fifteen) days of receipt of this notice.
5. CONSEQUENCES OF NON-COMPLIANCE: Failing compliance, our client shall be constrained to initiate proceedings before the appropriate forum, including but not limited to the Insurance Ombudsman (Ahmedabad), the District / State Consumer Disputes Redressal Commission and/or civil courts — and shall seek, in addition to the claim amount and interest, compensation for mental agony and harassment, and costs of litigation, entirely at your risk as to costs and consequences.

This notice is issued without prejudice to all rights and remedies available to our client, all of which stand expressly reserved.