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All about Star Health Insurance and Plans
Star Health Insurance
Star Outpatient Care
The plan is available in 3 variants: Silver, Gold, and Platinum. The s ...Read More
Up to 1 Cr
Sum insured
1
No. of plans
850+
Pan India presence
99.06%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,756 reviews
🏥 14,000+ hospitals
📊 2.21 solvency ratio
✅ 99.06% claim settlement
About Star Outpatient Care
A quick read on what this Star Health Insurance plan covers and why it might be a fit for you.
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 at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
31 Days to 50 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹25 L, ₹50 L, ₹75 L, ₹1 L
Waiting period
30 days
Renewability
NA
Policy term
upto 3 years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Cover up to 6 family members
- 3 Plan variants available
- Dental Cover available
- Physiotherapy cover
- Pharmacy cover
Cons
- Obesity Treatment Unavailable
- Hazardous Activity not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
- Breach of law
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Not covered
- ICU charges Not covered
- Pre-hospitalization Not covered
- Post-hospitalization Not covered
- Domiciliary hospitalization Not covered
- Day-care treatment Not covered
- OPD charges Covered
- Covid-19 treatment Not covered
- Cataract Not covered
Bonuses & restoration
- No-claim bonus Not covered
- Automatic restoration of SI Not covered
- Daily hospital cash Not covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Not covered
Modern & preventive care
- Modern treatment Not covered
- Road ambulance Not covered
- Air ambulance Not covered
- E-consultation Not covered
- Health check-up Not covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Not Applicable
- Sub-limits Not Applicable
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Star Health Insurance Plan Detailed Review
Star Outpatient Care Plan Benefits
The Star Outpatient Care Insurance Policy offers multiple OPD benefits, allowing policyholders to save money. The plan includes comprehensive Star Health Insurance OPD coverage, encompassing consultations, pharmacy expenses, diagnostic tests, and routine medical care without hospitalization.
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Tax Benefits
The amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
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Multiple Discounts
Star Outpatient Care offers multiple discounts to policyholders, such as a 25% renewal discount after 2 claim-free years and an online discount of 5% when purchasing the policy online.
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Pharmacy & Diagnostics
Star Outpatient Care offers unique benefits to policyholders, including coverage for expenses incurred for medical facilities like diagnostics, physiotherapy, and pharmacy.
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Dental Treatments
A benefit exclusively designed under Star Outpatient Care, where insured individuals can avail Dental and Ophthalmic treatment due to any unfortunate accident.
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Lifelong Renewal
Star Outpatient Care offers lifelong renewal to policyholders along with continuity benefits such as a reduced waiting period on coverage of Pre-existing diseases and a no-claim bonus.
Star Health Insurance Network Hospital List
Star Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Star Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Permanent diseases or health conditions that are not included under the Star Outpatient Care Plan are:
- - Hospitalization due to war, riot, strike, and nuclear weapons
- - Intentional self-injury
- - Miscarriage and abortion
- - Congenital disease
- - Infertility and in vitro fertilization
- Certain diseases and treatments are covered under this plan after a specific time period. Read the details below:
- - Pre-existing diseases after 48/24/12 months
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry Age: - 18 Years
- Max Entry Age: - 50 Years
- SI: - 25k - 1 L
- Waiting Period: - 30 Days
Other features & benefits
- Dental Treatments Available
- AYUSH Treatments Available
- Ophthalmic Treatment
- Outpatient Consultation
- Renewal Discounts
Star Health Insurance Plans: FAQs
The 8 most-asked questions about Star Outpatient Care, answered.
Day care treatments are procedures that do not require individuals to be admitted in the hospital for more than 24 hours such as cataract whereas OPD treatments mean when an individual has to visit their medical practitioner or doctor for purposes such as X-rays, physiotherapy, diagnostics and more which may be a part of an ongoing treatment. Most insurance plans do not cover OPD needs and requirements which may cost the insurance holder a vast amount of money.
Yes, policyholders are eligible for tax deductions as per the Indian Income Tax Act under section 80-D.
Individuals can purchase this policy on an individual as well as family floater basis. The age criteria is 18 to 50 years and for dependent children it is 31 Days to 25 Years. The policy term lasts for one year.
The sum insured options under Star Outpatient Care are Rs. 25,000/50,000/75,000 and 1,00,000.
The waiting periods under Star Outpatient Care differ for Pre-existing diseases according to the variant chosen by the policyholder Silver Plan - 48 months waiting period Gold Plan - 24 months waiting period Platinum Plan - 12 months waiting period
The Star Health and Allied Insurance Company Limited Outpatient Care Insurance Policy is a health plan designed to cover everyday medical expenses such as doctor visits, medicines, and diagnostic tests without requiring hospitalization.
The policy generally covers doctor consultations, pharmacy bills, diagnostic tests, dental and ophthalmic expenses, wellness services, and other outpatient treatments taken without hospital admission.
It includes OPD consultations, prescribed medicines, diagnostic investigations, minor procedures, dental and vision care expenses, and preventive healthcare services as per policy terms and limits.
Explore Star Health Insurance
Star Health Free Health Check-Up
Star Health Insurance Premium Calculator
Star Health Policy Download
Star Health Claim Settlement Ratio
Renewal of Star Health Insurance
Star Health Insurance Customer Care
Star Health Incurred Claim Ratio
Star Health Policy Cancellation
Star Health Insurance Claims
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PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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