About Star Outpatient Care Insurance Plan
Star Outpatient Care Insurance is an OPD health insurance policy especially designed to cover outpatient expenses. It covers the cost of doctor consultations, diagnostic tests, prescribed medications, physiotherapy, etc. This Star health insurance plan also covers the insured for dental and eye treatments.
Star Outpatient Care Insurance Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | ₹25,000 to ₹1 lakh |
| Pre-existing Diseases Waiting Period | 1 year, 2 years, 3 years |
| Initial Waiting Period | 30 days |
| Discount | 25% renewal discount 5% online discount |
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Key Benefits of Star Outpatient Care Insurance Plan
Star Outpatient Care Insurance Plan Inclusions & Exclusions
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Outpatient Consultation ExpensesIt pays for the expenses incurred on outpatient doctor consultations, including specialists.
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Diagnostics, Physiotherapy, and Pharmacy ExpensesIt covers the cost for diagnostic tests, pharmacy, and physiotherapy obtained on an outpatient basis.
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Non-allopathic Treatment ExpensesIt pays for OPD doctor consultations and treatments availed under Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy.
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Dental Treatment ExpensesIt covers the cost of availing OPD dental treatments for natural teeth due to an accidental injury.
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Ophthalmic Treatment ExpensesIt covers the OPD expenses incurred on eye treatment necessitated due to an accident.
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Obesity Control TreatmentsIt excludes fat loss surgery or weight management procedures unless the doctor advises.
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Cosmetic SurgeryIt does not cover the cost for plastic surgery or cosmetic procedures unless medically necessary.
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Injuries due to Adventure SportsIt does not pay to treat injuries resulting from adventure or hazardous sports activities like rafting, rock climbing, etc.
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Alcohol and Drug Addiction TreatmentIt excludes expenses incurred to treat conditions arising from alcohol or drug use.
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Maternity ExpensesIt does not cover the expenses related to childbirth, miscarriage or related complications.
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Intentional Self-injuryIt excludes the cost of medical treatment if the insured attempts to commit suicide or self-harm.
In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Policybazaar Claim Process
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Star Outpatient Care Insurance Plan: FAQs
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Q1. Does Star health insurance cover outpatient treatment?
Ans: Yes. The Star Health & Allied Insurance Company covers outpatient treatments under the Outpatient Care Insurance plan. -
Q2. Can we claim OPD bills in Star health insurance?
Ans: Yes. You can claim OPD bills under your Star Outpatient Care Insurance policy. -
Q3. Can we claim an MRI scan in Star health insurance?
Ans: Yes. You may be able to claim the MRI scan cost under your Star Outpatient Care Insurance policy, as it covers diagnostic tests.
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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
Star Health offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of Star Health
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to Star Health for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the Star Health policy
- The network hospital will send the hospital bill to Star Health.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Inform the insurance company about the hospitalization
- In case of planned hospitalization, notify the insurer before hospital admission.
- Receive medical treatment
- At the time of discharge, pay the entire hospital bill in full.
- Collect all the medical documents, bills and payment receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
