Network hospitals
14000+
Claim settlement ratio
99.06%
Sum insured
2 CR
No. of Plans
21
Solvency Ratio
1.7
Pan India Presence
815
Network hospitals
14000+
Claim settlement ratio
99.06%
Sum insured
2 CR
No. of Plans
21
Solvency Ratio
1.7
Pan India Presence
815
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. 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.
Star Health Insurance Plan Detailed Review
All about Star Health Insurance and Plans
Minimum: Children- 31 Days to 25 years Adult: 18 years
Maximum: 50 years
1 Year
Individual/ Family Floater
25 K | 50 K | 75 K | 1 L
30 Days*
*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.
With comprehensive coverage options, Star Outpatient Care Plan lets you customize your health insurance plan as per your requirements:
Coverage for SI: 25 K - 1 L
Room Rent
Not Covered
ICU Charges
Not Covered
Pre-Hospitalization
Not Covered
Post-Hospitalization
Not Covered
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Not Covered
OPD Charges
Covered
COVID-19 Treatment
Not Covered
Cataract
Not Covered
No Claim Bonus
Not Applicable
Automatic Restoration
Not Applicable
Daily Hospital Cash
Not Available
Organ Donor
Not Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Available
AYUSH Treatment
Covered
IVF Treatment
Not Available
Modern Treatment
Not Covered
Ambulance
Not Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Not Covered
Health Check-Up
Not Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Co-payment
Not Applicable
Sub-limits
Not Available
The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.Common Room categories covered under room rent are:
Coverage status under Star Outpatient Care?
Under the Star Outpatient Care Plan, the room rent is not covered.
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under Star Outpatient Care?
Under the Star Outpatient Care Plan, ICU charges are not covered.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Star Outpatient Care?
Under the Star Outpatient Care Plan medical expenses incurred during pre-hospitalization are not covered.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Star Outpatient Care?
Under the Star Outpatient Care Plan, medical expenses incurred during pre-hospitalization are not covered.
Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.
Coverage status under Star Outpatient Care?
Under Star Outpatient Care, domiciliary hospitalization is not covered.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Star Outpatient Care?
Under Star Outpatient Care Plan daycare procedures are not covered.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.
Coverage status under Star Outpatient Care?
Star Outpatient Care covers OPD charges
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under Star Outpatient Care?
COVID-19 treatment is not covered by Star Outpatient Care Plan.
A common eye condition in which your vision gets blurred.
Coverage status under Star Outpatient Care?
Star Outpatient Care Plan does not cover Cataract Treatment.
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a percentage that varies from plan to plan.
Coverage status under Star Outpatient Care?
The cumulative Bonus is unavailable under Star Outpatient Care.
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under Star Outpatient Care?
Under Star Outpatient Care automatic restoration is not available.
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under Star Outpatient Care?
The daily hospital cash is not available under the Star Outpatient Care plan.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under Star Outpatient Care?
Under Star Outpatient Care, organ donor expenses are not covered.
It refers to the cover that includes expenses for normal and c-section procedure deliveries.
Coverage status under Star Outpatient Care?
Under the Star Outpatient Care Plan maternity expenses are not covered.
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Coverage status under Star Outpatient Care?
Under Star Outpatient Care Plan the newborn baby cover is not available.
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Star Outpatient Care?
Covered Under Star Outpatient Care up to SI.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Star Outpatient Care?
Under the Star Outpatient Care IVF treatment is not covered.
Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Star Outpatient Care?
Under Star Outpatient Care modern treatments are not covered.
An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.
Coverage status under Star Outpatient Care?
Under the Star Outpatient Care Plan, Ambulance expenses are not covered.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under Star Outpatient Care?
Under the Star Outpatient Care Plan, Air Ambulance is not covered.
Refers to the traveling expenses of a family member of the insured person in case the policyholder gets admitted to a hospital outside his/her residential city.
Coverage status under Star Outpatient Care?
Under the Star Outpatient Care compassionate plan is not covered.
Any kind of medical/health emergency when you are outside of India.
Coverage status under Star Outpatient Care?
Under Star Outpatient Care Global coverage is not available.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under Star Outpatient Care?
Under Star Outpatient Care, e-consultation is not covered.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.
Coverage status under Star Outpatient Care?
Under Star Outpatient Care, a health checkup is not covered.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage status under Star Outpatient Care?
Under Star Outpatient Care second medical opinion is not covered.
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Star Outpatient Care?
Under Star Outpatient Care Plan, vaccination expenses are not covered.
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Status under Star Outpatient Care?
Not Applicable under Star Outpatient Care Silver Plan Variant.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.
Status under Star Outpatient Care?
Not Applicable under Star Outpatient Care.
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.
Permanent diseases or health conditions that are not included under Star Outpatient Care Plan are:
Hospitalization out of 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 certain time period. Read the details below:
Pre-existing diseases after 48/24/12 months
To understand how much premium amount one needs to pay, let us go through the below example wherein we have illustrated the sample premiums.
Sum Insured (in Rs.) | 25 K | 50 K | 75 K | 1 Lakh |
Premium Payable | 4070 | 6665 | 8885 | 10365 |
Sum Insured (in Rs.) | 25 K | 50 K | 75 K | 1 Lakh |
Premium Payable | 4685 | 7660 | 10215 | 11920 |
Sum Insured (in Rs.) | 25 K | 50 K | 75 K | 1 Lakh |
Premium Payable | 4935 | 8080 | 10770 | 12565 |
Star outpatient care insurance policy offers multiple OPD benefits to insurance holders allowing them to save their money. There are multiple features and benefits that enhance the coverage of Star Outpatient Care.
Get tax relief under section 80D
Avail multiple discount options
Avail Coverage for Pharmacy and Diagnostics
Avail Dental and Ophthalmic treatments
Avail lifelong renewal
Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
Star Outpatient Care offers multiple discounts to policyholders like 25% renewal discount after 2 claim-free years and an online discount of 5% which you get on purchasing the policy online.
Star Outpatient Care offers unique benefits to policyholders such as coverage for expenses incurred for medical facilities like diagnostics, physiotherapy and pharmacy.
A benefit exclusively designed under Star Outpatient Care wherein insured individuals can avail Dental and Ophthalmic treatment due to any unfortunate accident.
Star Outpatient Care offers Lifelong renewal to policyholders along with continuity benefits such as reduced waiting period on coverage of Pre-existing diseases and no-claim bonus.
Star Health Insurance offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.
Comprehensive
This policy is designed to provide complete protection against all health care eventualities to you and your family.
Unique Features
Comprehensive
The plan is ideal for the families who want to get covered under single sum insured.
Unique Features
Youth-specific
Created for young individuals under 40 years of age. It also offers various benefits such as discounts on renewals, incentive-led wellness programs, lowest waiting periods.
Unique Features
Standard
A standard health plan mandated by IRDAI that covers all essential healthcare benefits including Ayush treatment, day care procedures, etc. for individuals and families.
Unique Features
Comprehensive
A uniquely designed insurance policy that covers organ donor expenses up to sum insured, AYUSH treatments, modern treatments, and many more.
Unique Features
Flexible
Provides flexibility in terms of choosing the Sum Insured amount, premium amount, family size. It can be a perfect tax saver for you.
Unique Features
Women Care
A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.
Unique Features
Senior Citizen
The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement.
Unique Features
Top-up
The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.
Unique Features
Critical Illness
Provides reimbursement of hospitalization expenses and also provides a total amount of sum insured if the insured person is diagnosed with a major illness.
Unique Features
Cardiac
Star Cardiac Care is ideal for those individuals who want to cover the expenses of cardiac & non-cardiac ailments.
Unique Features
Cancer care
Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)
Unique Features
Autism Spectrum Disorder
Star Special Care provides coverage to children (3 years to 25 years) who are diagnosed with Autism Spectrum Disorder.
Unique Features
COVID-19
This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19.
Unique Features
COVID-19
It covers the cost of hospitalization if the policyholder tested positive for COVID-19.
Unique Features
COVID-19
This policy offers 100% sum insured to the policyholder if he/she tested positive for COVID-19.
Unique Features
Individual Plan
An individual and floater basis rural plan with SI of 1 lakh and 2 lakh respectively. Comes with installment on premiums and lifelong renewal.
Unique Features
Individual Plan
An OPD coverage policy with an individual and family floater option and 4 SI variants. Comes with 3 plan variants: Silver, Gold and Platinum.
Unique Features
Individual Plan
An accidental coverage policy for individuals and families and comes with high sum insured. The policy gives cumulative bonus and multiple discounts.
Unique Features
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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
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Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.
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