Star Outpatient Care Health Insurance

Star Health Insurance, a leading name in the health insurance industry offers a number of plans including the Outpatient Care plan. The Star Outpatient Care Insurance Policy is a unique product that shields you from expenses arising from outpatient consultation. These include doctor fees and can continue including diagnostic tests, pharmacy bills, physiotherapy, non-allopathic treatments, dental treatment, and other therapeutic procedures. The policy comes in three variants, namely Silver, Gold, and Platinum, all of which differ in coverage benefits. Scroll through the section to learn more about Star Outpatient Care Health Insurance.

Star Outpatient Care Health Insurance At a Glance

Coverage	Individual and Family Floater
Variants	Silver, Gold, and Platinum
Riders	Hospital Daily Cash, Patient Star, etc.
Policy Period	1 Year
Key Features	Coverage for Outpatient Consultation, Variant Types, etc.
Inclusion	Outpatient Consultation Expenses, Non-allopathic Treatment, etc.
Exclusion	Self-inflicted Injury, Damage due to Consumption of Alcohol, and more

Riders Available With Star Outpatient Care Health Insurance

The riders available with Star Outpatient Care Health Insurance Plan are as follows:

• Buy Back Pre-Existing Diseases: This add-on reduces the waiting period for pre-existing diseases from 36 months to 12 months. It allows coverage for conditions existing before the policy inception. With this add-on, the waiting period is shortened to 1 year, and after completing the first year, the customer can avail benefits for pre-existing diseases.
• Hospital Daily Cash: Star Health Insurance provides a cash benefit of Rs.1000 per day for each completed day of hospitalisation, with a maximum of 7 days per hospitalisation and 14 days per policy period. This optional cover, available for an additional premium, helps cover petty expenses during the hospital stay.
• Patient Star: This add-on covers the cost of engaging an attendant at the insured person's residence immediately after hospital discharge, as suggested by the physician. It pays up to Rs.400 per day for each completed day in the hospital, for 5 days per occurrence and a total of 14 days during the policy period. A 1-day deductible is applied at claim settlement. This is available only for insured persons above 60 years of age and must be purchased at the policy start or renewal.
• Maternity Cover: Star Health Insurance covers maternity-related expenses, such as child delivery, abortion, or miscarriage, as an add-on to the existing health insurance plan. It also includes coverage for newborn baby expenses. Maternity cover can be included in some plans or added as a rider with an additional premium. It must be purchased at the time of policy issuance or renewal. It's important to note that adding this rider in midway is not possible.

Variants of Star Outpatient Care Health Insurance

Following are the three different plan variants of Star Outpatient Care policy:

Features	Silver	Gold	Platinum
Waiting Period	48 Months	24 Months	12 Months
OPD Charges	Covered	Covered	Covered
AYUSH Treatment	Covered	Covered	Covered
Out Patient Consultation	Covered	Covered	Covered
Non-allopathic treatment expenses	Covered	Covered	Covered
Diagnostics, physiotherapy and pharmacy expenses	Covered	Covered	Covered
Dental and ophthalmic treatment expenses	Covered	Covered	Covered

Key Features of Star Outpatient Care Health Insurance Plan

Listed below are some of the key features of the Star Outpatient Care Health Insurance plan:

• The Star Outpatient Care plan is available in three different variants, Silver, Gold, and Platinum.
• This plan is available in both family and individual variants. Under the family variant, you will get coverage for up to 6 members.
• You can choose a sum insured between Rs. 25,000 - Rs. 1,00,000.
• It provides coverage for outpatient consultation, non-allopathic treatment, dental treatment expenses, ophthalmic treatment expenses, etc.
• The plan offers discounts like renewal benefits, it offers a discount of 25% when you renew the Star Outpatient Care health insurance plan.

Eligibility Criteria of Star Outpatient Care Health Insurance Plan

Scroll through the section below to know the eligibility criteria for the Star Outpatient Care Health insurance plan:

Parametres	Eligibility Criteria
Minimum entry age for adults	18 years
Maximum entry age for adults	50 years
Minimum entry age for dependent children	31 days
Maximum entry age for dependent children	25 years
Policy type	1 year
Sum insured	Rs. 25,000 - Rs. 1,00,000

Benefits of Star Outpatient Care Health Insurance Plan

Listed below are some of the benefits of buying the Star Outpatient Care Health Insurance plan:

• Network Hospitals: Star Health Insurance has tie-ups with over 14,000 network hospitals. This means that when you are buying the Star Outpatient Care health insurance plan, you have the option to choose from a number of network hospitals available. Moreover, the claim settlement process of Star Health is also very quick and hassle-free.

• Sum Insured: While buying the Star Outpatient Care health insurance plan, you have the flexibility to choose a sum insured between Rs. 25,000 to Rs. 1,00,000.

• Dental & Ophthalmic Treatment: The Star Outpatient Care health insurance plan also provides coverage for expenses arising due to dental treatment.

• Non-allopathic Treatment Cover: With the Star Outpatient Care plan, you will also enjoy coverage for non-allopathic treatments like Ayurveda, Unani, Homeopathy, Naturopathy, and others.

• Renewal Discounts: The Star Outpatient Care plan also provides discounts when you are renewing the policy. It offers a renewal discount of up to 25%.

Inclusions of Star Outpatient Care Health Insurance Plan

Some of the inclusions of Star Outpatient Care health insurance plans are as follows:

• Outpatient Consultation expense
• Non-allopathic treatment
• Diagnostics, physiotherapy, and pharmacy expenses
• Dental treatment expenses
• Ophthalmic treatment expenses
• Pre and post-hospitalisation expenses

Exclusions of Star Outpatient Care Health Insurance Plan

Listed below are the exclusions of the Star Outpatient Care health insurance plan:

• Any kind of self-inflicted injury
• Any damage to the consumption of alcohol or drugs
• Sexually transmitted diseases
• Bariatric surgery expenses
• Weight-control surgery
• Cosmetic treatment

Documents Required to Buy Star Outpatient Health Insurance Plan

The documents required to buy Star Outpatient Health Insurance plan:

• A duly filled application form
• Aadhaar card
• PAN card
• Bank account details
• Pre-existing medical report
• Income proof

How to Buy the Star Outpatient Care Health Insurance Plan?

Some of the steps in which you can buy Star Outpatient Care health insurance plan:

• Go to the health insurance option on InsuranceDekho website
• Click on the health insurance companies icon and select Star Health insurance
• Select Star Outpatient Care from the list of health insurance plans available
• Read all the terms and conditions mentioned in the Star Outpatient Care policy wording carefully
• Upload all the necessary documents to complete the KYC process
• Make an online premium payment once the KYC process is completed
• You will get the policy document at your registered e-mail address

Claim Process of Star Outpatient Care Insurance Plan

You can buy the Star Outpatient Care insurance plan in two ways: cashless claim and reimbursement claim. In a cashless claim process, you need to avail medical treatment at a network hospital to start with cashless treatment. However, on the other hand, in a reimbursement claim, you first need to spend money from your pocket which will later get reimbursed by the insurance company.

Cashless Claim

• To start with the cashless process, make a call at 18004252255
• Go to a network hospital and provide the ID card issued by Star at the hospital
• Submit all the relevant documents which will be later verified by the insurance company
• Once all the documents have been verified, your claim will be directly settled by the insurance company

Reimbursement Claim

• Fill out the claim form
• Submit documents like medical prescriptions, chemist bills, and other relevant medical bills to the insurance company
• Star Health Insurance will then verify all the documents and once it is approved, the company will later reimburse the total amount to the policyholder