Star Out Patient Care Insurance Policy
Star Health Outpatient Care Policy pays for Outpatient consultations, tests, Pharmacy Bills, Physiotherapy, etc. Check coverage, Premium, features, renewal, ...
Star Health Out Patient Care Insurance Policy
There are certain ailments that do not require hospitalization and they come under outpatient care. In India, most costs incurred for treating such ailments are paid by the people from their own pocket. Assessing the scenario, we at Star Health have devised Star Outpatient Care Insurance Policy. A standalone product that pays for Outpatient Consultation, which starts with doctor fees and can continue including Diagnostic tests, Pharmacy Bills, Physiotherapy, Non-Allopathic Treatments, Dental treatment, and other therapeutic procedures. To know more about this policy, have a look at the below mentions.
Eligibility Criteria
| Age at entry for adults | Minimum – 18 years Maximum – 50 years |
| Age at entry for economically dependent children | Minimum – 31st day Maximum – 25 years |
| Family size | Up to 6 members |
| Policy term | 1 year |
| Sum insured basis | Individual and floater basis |
| Plans offered | Silver Plan, Gold Plan, and Platinum Plan |
| Sum insured option | Rs. 25,000, Rs. 50,000, Rs. 75,000, and Rs. 1 lakh |
| Free look period | 15 days |
Key Highlights of Star Out Patient Care Insurance Policy
This policy has come up with a sack full of benefits and facilities. The important mentions are as below.
| Parameter | Benefit |
| Outpatient Consultation expenses incurred at any Networked Facility in India | Available |
| Non-Allopathic treatment Expenses | Outpatient medical consultation and treatment expenses incurred under Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy systems of medicines in any institute recognized by the Government of India and/or accredited by the Quality Council of India/National Accreditation Board on Health |
| Diagnostics, Physiotherapy, and Pharmacy | Expenses incurred at any Networked Facility in India for treatment as an Outpatient. |
| Dental treatment expenses | Available – To a natural tooth or teeth arising out of accidents incurred at any Networked Facility in India as an Outpatient |
| Ophthalmic Treatment expenses | Covered – Arising out of accident incurred at any Networked The facility in India is an Outpatient |
| Tax benefit | Available as per the existing tax laws |
What Are The Exclusions of Star Out Patient Care Insurance Policy?
Each policy comes up with certain exclusions for which it does not provide any benefit. Therefore, to avoid future complications and claim denial, here are the general exclusions of Star Out Patient Care Insurance are as follows.
- If a claim is raised before the waiting period, the insurer will reject the claim.
- Injury or disease caused by or contributed to by nuclear weapons/materials
- Unconventional, Untested, Experimental therapies
- Inoculation or Vaccination (except for post-bite treatment and for medical treatment for therapeutic reasons)
- Hospital registration charges, admission charges, hospital record charges, telephone charges, and other charges
- Hearing aids, walkers and crutches, wheelchairs, Nutritional Supplements, CPAP, BIPAP, Continuous Ambulatory Peritoneal Dialysis [CAPD], infusion pumps and other similar aids, Cochlear implants, and procedure-related expenses
- Existing disease/s, disclosed by the insured and mentioned in the policy schedule (based on the insured’s consent), for specified ICD codes.
- Medical treatment expenses traceable to childbirth (including complicated deliveries and cesarean sections incurred during hospitalization) except ectopic pregnancy
- Assisted Reproduction services including artificial insemination and advanced reproductive technologies such as IVF, ZIFT, GIFT, and ICSI.
- Treatments received in health hydros, nature cure clinics, spas, or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons.
- Expenses for cosmetic or plastic surgery or any treatment to change appearance.
- Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but not limited to, para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving.
Premium Illustration Of Star Out Patient Care Insurance Policy
For a better understanding, here is an example. Mr. Ankit, Ankush and Sam (of different ages) were eager to buy Star Out Patient Care Insurance Policy. Here’s how much premium they will have to pay according to their chosen sum insured.
| Name | Age | Plan type | Sum insured | Premium amount including tax |
| Ankit | 36 years | Silver | Rs. 50,000 | Rs. 7865 |
| Ankush | 35 years | Rs. 75,000 | Rs, 10,484 | |
| Sam | 33 years | Rs. 1 lakh | Rs. 12,231 |
Buying Process of Star Out Patient Care Insurance Policy
One can buy this policy online by following the below steps.
- Go to the official website of Star Health Insurance Company.
- Click on the Plan option and view all the plans.
- Among those plans, look for the Star OutPatient Care Insurance Policy, and click on that.
- After that, on the landing page, there will be the Buy Now option at the extreme right side of the page. click on that.
- Put the required details such as name, phone number, and pin code.
- Put other required policy-related details such as sum insured option, address, date of birth of the policy-seeker, etc.
- On the basis of the given data, a premium amount will be displayed.
- Check the details twice.
- If satisfied, pay the premium amount by choosing the most convenient payment option available with the insurer.
- Upon successful payment, a notification will be sent to the registered email ID and/or phone number.
- Download the policy details. Or else, take a printout of the same for better convenience.
Claim Procedure of Star Out Patient Care Insurance Policy
Under Star Out Patient Care Insurance Policy, you can avail of both cashless and reimbursement claims. Here lie the steps of each process.
Cashless Claim Settlement Process:
- One can avail of the benefit of a cashless claim if he/she has taken medical treatments in any network hospital of the company.
- At the time of a medical emergency, intimate the insurer as early as possible and inform the hospital authority and submit a copy of the health identity card.
- One can download the pre-authorization form from the company’s official website. Submit the duly filled and signed form.
- Once this form is submitted, the further verification process will be started on behalf of the company.
- If it is required, the company may assign a field doctor to evaluate the situation.
- If the claim is accepted, the company will pay for the bills.
Reimbursement Claim Settlement Process:
- If the insured has taken medical treatments in any non-network hospital, then he/she can claim reimbursement settlement.
- In case of any medical eventuality, inform your insurer at least within 24 hours of the occurrence.
- Upon the completion of the treatment, submit all the required documents like hospital and medical bills, discharge certificates, and original necessary documents to the insurer.
- Submit the duly filled and signed claim form.
- The company will start the process and verify the provided information.
- If approved, you will be notified and paid the amount of reimbursement.
Required Documents For Claim Settlement:
- Duly filled and signed claim form.
- Original copy of the policy.
- Original bills, receipts, and certificates received from the hospital.
- The company assigned a field doctor’s report (if any).
- Treating doctor/surgeon/ medical practitioner’s bills/certificates.
- Self-declaration/FIR/ MLC in case of an accident.
- NEFT and KYC details.
- Any other document as demanded by the company.
What Is The Renewal Process of The Star Out Patient Care Insurance Policy?
Follow the below steps.
- Visit the company’s official website.
- There one will find the ‘Renewals’ option at the top. Click on that.
- Then the insured person will be asked to provide some information such as Policy Number and Date of Birth.
- After that, click on the ‘Renew Now’ option and pay the premium.
- Once he/she pays it, the policy details will be sent to the registered email ID.
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