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Most health insurance plans inadequately cover OPD (Out-Patient Department) expenses for an insurance holder. However, Star Outpatient Care is a unique plan designed to help policyholders with these expenses. The Star Outpatient Care Insurance Policy provides financial support for outpatient medical expenses such as doctor consultations, diagnostics, and pharmacy bills.
While health insurance plans largely cover hospitalization expenses, they often fall short in providing satisfactory OPD coverage. OPD expenses include doctor visits, consultations at clinics or hospitals, or any medical facility for diagnosis as advised by your doctor. When not covered by health insurance, such expenses can put a financial strain on your savings. Over 50% of medical expenses incurred by policyholders in India are OPD expenses. Star Outpatient Care is a unique health insurance plan that considers all such expenses and covers OPD costs for an insured individual when needed.
Star Outpatient Care is available in three variants: Silver, Gold, and Platinum. It offers different sum insured options ranging from INR 25,000 to INR 1 Lakh, along with varying benefits. The Star Outpatient Care Insurance Policy covers individuals for a tenure of one year and can be availed by individuals between 18 and 50 years of age.
| PLAN DETAILS |
Outpatient Care |
Health Edge Policy |
| 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 | Not 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 | 6000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Not 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 | Not 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 | Covered |
| Plan Entry Age | 31 Days to 50 years | 18 to 65 Years |
| Plan Premium Entry Age and S/A | 7865 | 6305 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | - | Individual/Family Floater |
| Plan Sample Premium | - | 6305 |
| 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 | Not Covered |
| Global Coverage | Not Covered | Covered |
| Claim Ratio | 99.06 | - |
| Solvency Ratio | 2.21 | 2.03 |
|
Star Health Insurance Plan Detailed Review |
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