Star Outpatient Care Insurance Policy: Benefits, Premium, Renewal

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.

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 (30 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.

FAQs

Q. How to proceed with policy claims for Star Outpatient Care Insurance Policy health insurance?
Ans: The claims for all policies under Star Health Insurance are processed by the insurance provider by the cashless and reimbursement methods.
- Cashless – Call up the 24-hour helpline to initiate the process. Further procedure will be instructed accordingly. Make sure the health insurance card is available for identity confirmation.
- Reimbursement – The claim form at the hospital help desk is to be filled up, submitting it with the required documents as stated.
Q. What is the policy tenure of Star Outpatient Care Insurance Policy?

Ans: The Star Health Insurance policy period lasts for one year with lifetime renewability.
Q. Is a grace period offered under the policy?

Ans: In case the premium payment is not performed by the due date, a grace period of 30 days is provided. However, no coverage is offered till dues are cleared.
Q. Can policy details be changed if required?

Ans: Policy details, such as the sum insured, coverage, nominee details, etc., can be changed during policy renewal.
Q. How to purchase an online Star Outpatient Care Insurance Policy?

Ans: To buy Star Health Insurance online, the contact details of the insured are to be provided, with details such as the number of members to be covered, the type of plan, the sum insured, etc. The premium is calculated and presented. Accordingly, the payment is made online. The policy commences upon submission of the required documents.

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