Star Out Patient Care Insurance Policy

The features 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.

The Star Outpatient Care Insurance Policy offers flexibility through three different plans: Silver, Gold, and Platinum. Each plan has a varying waiting period for pre-existing ailments, with Silver at 48 months, Gold at 24 months, and Platinum at 12 months, which can be reduced in the event of portability. Upon policy renewal, the waiting period is waived off, ensuring continuous coverage. Claims settlement is directly handled by the insurance provider, eliminating third-party involvement, and the policy offers lifelong renewability. Additionally, cashless reimbursement is available at over 9,900 hospitals across India, and the premium paid is eligible for tax exemption under Section 80D of the Income Tax Act, 1961.

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

• Room (Single Private A/C room), Boarding and Nursing Expenses as provided by the Hospital.

• Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees.

• Anesthesia, Blood, Oxygen, Operation Theatre charges, ICU charges,etc

• Emergency Road Ambulance charges for emergency transportation to the hospital

• Pre hospitalization expenses up to 60 days prior to admission in the hospital

• Post hospitalization expenses up to 90 days after discharge from the hospital

• All Day Care Procedures are covered.

• E-Medical Opinion