The Star Outpatient Care Insurance Policy by Star Health Insurance is a specialized health plan designed to cover a wide range of outpatient (OPD) medical expenses, which are typically not included in standard health insurance policies. This policy is ideal for individuals and families seeking financial protection against frequent medical consultations and treatments that do not require hospitalization.policyx.com+1starhealth.in+1
🩺 Key Features
- Plan Variants: Available in three options—Silver, Gold, and Platinum.
- Sum Insured Options: Choose from ₹25,000, ₹50,000, ₹75,000, or ₹1,00,000.
- Policy Term: 1 year, with the option for lifelong renewal.
- Coverage Type: Available for both Individual and Family Floater plans (covering up to 6 members).
- Entry Age:
- Adults: 18 to 50 years
- Dependent Children: 31 days to 25 years
- Waiting Periods:
- Initial Waiting Period: 30 days for illnesses (excluding accidents)
- Pre-existing Diseases (PED):
- Silver Plan: 48 months
- Gold Plan: 24 months
- Platinum Plan: 12 months
✅ Coverage Benefits
- Outpatient Consultations: Covers doctor consultation fees at networked facilities across India.
- Diagnostics & Pharmacy: Expenses for diagnostic tests and prescribed medications.
- Physiotherapy: Costs related to physiotherapy sessions.
- Non-Allopathic Treatments: Outpatient treatments under Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy (AYUSH).
- Dental & Ophthalmic Treatments: Coverage for dental and eye treatments resulting from accidents. policyx.com+4scribd.com+4scribd.com+4insurancedekho.com+4web.starhealth.in+4d37e9lgzp3sa8.cloudfront.net+4scribd.com+1insurancedekho.com+1insurancedekho.cominsurancedekho.com+3d28c6jni2fmamz.cloudfront.net+3policyx.com+3scribd.com+4policyx.com+4starhealth.in+4scribd.com+2d37e9lgzp3sa8.cloudfront.net+2web.starhealth.in+2starhealth.in+3policybazaar.com+3probusinsurance.com+3
💰 Premium Details (Indicative Annual Premiums)
| Plan Variant | ₹25,000 SI | ₹50,000 SI | ₹75,000 SI | ₹1,00,000 SI |
|---|---|---|---|---|
| Silver | ₹4,070 | ₹6,665 | ₹8,885 | ₹10,365 |
| Gold | ₹4,685 | ₹7,660 | ₹10,215 | ₹11,920 |
| Platinum | ₹4,935 | ₹8,080 | ₹10,770 | ₹12,565 |
Note: Premiums are indicative and may vary based on individual factors.
🎁 Additional Benefits
- Tax Benefits: Premiums paid are eligible for tax deductions under Section 80D of the Income Tax Act, 1961.
- Renewal Discounts: Avail a 25% discount on renewal premium after every two consecutive claim-free years.
- Online Purchase Discount: 5% discount when purchasing the policy online. irdai.gov.in+3irdai.gov.in+3policyx.com+3policyx.com
❌ Exclusions
- Hospitalization Expenses: In-patient treatments are not covered under this policy.
- Certain Treatments: Excludes coverage for cosmetic procedures, infertility treatments, weight-control surgeries, and treatments related to self-inflicted injuries or substance abuse.
- Specific Conditions: Conditions arising from war, riots, or nuclear hazards are not covered. policyx.com
