Star Outpatient Care Insurance Policy

Star Outpatient Care Insurance Policy is a popular plan from Star Health Insurance especially designed for covering outpatient expenses. The plan covers medical practitioner expenses, laboratory tests, bills for prescribed medication, etc.

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Star Outpatient Care Insurance Policy

All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home No medicals required
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    Star Outpatient Care Insurance Policy: Key Highlights

    Type

    Individual or Family Floater

    Sum Insured

    Up to Rs 1 lakh

    Renewability

    Lifelong

    Tenure

    1 year

    Coverage Offered at

    Network Hospitals

    Coverage Offered

     Star Outpatient Care Insurance Policy is available in Individual or Family Floater basis with sum insured amount of Rs 25,000, Rs 50,000, Rs 75,000 and Rs 1 lakh.

    The coverage provided are:

    Outpatient Consultation: This includes expenses not covered for in-patient specialist visits or day care visits. This considers consultation taken at any network hospital under the insurer.

    Expenses for Diagnostics, Physiotherapy, and Pharmacy: The insurance policy covers such costs at a specific diagnostic test or examination to be done at an external laboratory. Additionally, if a patient is recommended physiotherapy treatment for physical injuries, the same will be covered under the policy. Both in-house and external treatment expenses are financed.

    Inclusions of the Policy

    In addition to the basic coverage provided, the inclusions for the Star Outpatient Care Insurance policy are as follows:

    • AYUSH Coverage- Any form of consultation, recommended testing, and treatment provided under Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy is covered by the policy.
    • Dental Treatment- Dental check-up or outpatient treatment sought at any network institute throughout India is financed.
    • Ophthalmic Therapy- For any eye examination with related surgery and treatment, the coverage is provided at any network hospital throughout India.

    Exclusions of the Plan

    The following are the exclusions under Star Outpatient Care Insurance Policy:

    • Pre-existing diseases
    • Obesity and weight management
    • Cosmetic surgery and hormone therapy
    • Injuries due to adventure sports or activities
    • Treatment related to alcohol and drug addiction
    • Treatment for infertility and sex change surgery
    • Pregnancy wellness, miscarriage and related complications
    • Self-injury and sexually transmitted diseases (other than HIV)
    • Injuries due to war, rioting, and acts of violence
    • Vaccination and external medical equipment
    • Treatment taken out of India
    • Robotic or stem cell therapy
    • Therapy for genetic disorders

    *Please refer to the policy document for a detailed list of exclusions.

    Features & Benefits of the Star Outpatient Care Insurance Policy

    The features and benefits of the Star Outpatient Care Insurance Policy are:

    • Flexibility of coverage is offered by three different plans – Silver, Gold, and Platinum.
    • The waiting period applies for pre-existing ailments; this is variable depending on the plan taken
    • Silver – 48 months
    • Gold – 24 months
    • Platinum – 12 months

    In the event of portability, the waiting period is reduced accordingly.

    • Upon policy renewal, the waiting period is waived off.
    • Claims settlement is done directly by the insurance provider with no third party involvement.
    • Policy renewability is lifelong.
    • Cashless reimbursement is offered at more than 9900+ hospitals throughout India.
    • Tax exemption applies to the premium paid under Section 80D of the Income Tax Act, 1961. 

    Eligibility Criteria

    The minimum eligibility criteria to buy this policy are:

    Minimum Entry Age

    Children – 31 days (with parental coverage); till 25 years of age

    Adults – 18 years

    Maximum Entry Age

    50 years (adults)

    Number of people covered

    Max 6: Individual, spouse and 4 dependent children (up to the age of 25 years)

    Residential Status

    Residents of India who have taken treatment at any medical network in India

    Cancellation of the Policy

    The Star Outpatient Care Insurance Policy is cancelled if -

    • If the insured not agreeable to the policy terms during the free look period (15 days)
    • Non-disclosure or misrepresentation of facts affecting policy terms and coverage
    • Under individual coverage, the insured passes away.
    • The sum insured during the policy tenure is exhausted.

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    Star Outpatient Care Insurance Policy Reviews & Ratings

    / 5 (Based on 3 Reviews)
    (Showing Newest 3 reviews)
    Asha
    Hariyana, September 16, 2021
    Tax savings
    The term plan is beneficial to save the tax amount too. I have saved a lot of tax and got a rebate too under my plan. I am happy and it is a part of investment. I took the plan for the financial safety of me and my family. Thanks team for good plans.
    Arjun
    Punjab, September 16, 2021
    Time and money saving plans
    I have saved a lot of money when I bought the term insurane plan online. I visited the policybazaar and check the premium calculator page. From there I searched for various good plans. I saved a lot of money and time too. I would recommend the policy to my friends and also tell them to buy a plan from policybazaar.
    Ida
    Amritsar, September 16, 2021
    Customer experience team
    Great to know that the customer care team of Policybazaar is superb and friendly. I opted a term plan from policybazaar and found it the best one. I was facing the issue related to name spelling and connected to policybazaar. The team immediately worked into my case and it was resolved. Thank you so much team Policybazaar.
     
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