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Outpatient Care vs
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Outpatient Care
CSR: 99.06%
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CSR: 98.9%
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Outpatient Care
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750
Most often health insurance plans inadequately cover OPD (out-patient department) expenses for an insurance holder, however, Star Outpatient Care is a unique plan to help insurance holders with these expenses. The Star Outpatient Care Insurance Policy is designed to provide financial support for outpatient medical expenses such as doctor consultations, diagnostics, and pharmacy bills.
Health Insurance plans at large offer hospitalization expenses, however, are unable to provide satisfactory OPD coverage to the insured individuals. OPD expenses comprises doctor visits, a visit to any clinic or a hospital or any such medical facility for diagnosis as advised by your doctor. Such expenses when not covered by health insurance plans can cause financial stress on your hard earned savings. Over 50% of OPD expenses done by policyholders in India are OPD expenses. Star Outpatient Care is a unique health insurance plan that keeps all such expenses in mind and takes care of all OPD expenses for an insured individual when needed.
Star Outpatient Care launched in 3 different variants namely, Silver, Gold and Platinum offers different sum insured options ranging from INR 25,000 to 1 Lakh along with variants in benefits. Star Outpatient Care Insurance Policy covers individuals for a tenure of one year and can be availed by individuals between 18-50 years.
| PLAN DETAILS |
Outpatient Care |
|
| Premium Including GST | ||
| Product Type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Not Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Not Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Not Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Not Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
14000 | - |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Not Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Applicable | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Applicable | Not Covered |
| Plan Entry Age | 31 Days to 50 years | 16 days to 65 years |
| Plan Premium Entry Age and S/A | 7865 | 750 |
| Plan Waiting Period | 30 | 730 |
| Plan Coverage | - | - |
| Plan Sample Premium | - | 750 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | upto 3 years | 1, 2, 3 Year |
| ICU Charges | Not Covered | Covered |
| Covid-19 Treatment | Not Covered | Covered |
| Cataract | Not Covered | Covered |
| Automatic Restoration | Not Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Not Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 99.06 | 98.9 |
| Solvency Ratio | 2.21 | 4.70 |
|
Star Health Insurance Plan Detailed Review |
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