Introduction:
When it comes to our health, having the right insurance coverage is crucial. The STAR Outpatient Care Insurance Policy offers a range of comprehensive benefits under three variants: Silver, Gold, and Platinum Plans. With coverage for outpatient consultations, non-allopathic treatments, diagnostics, physiotherapy, pharmacy expenses, dental and ophthalmic treatments, this policy ensures that you and your family have access to quality healthcare when needed.
Coverage and Benefits:
What is covered in Star Outpatient Care Insurance Policy?
- Out-patient medical consultation
- Non-allopathic treatment expenses
- Diagnostics, physiotherapy and pharmacy expenses
- Dental and ophthalmic treatment expenses
Policy Brochure: Star Outpatient Care Insurance Policy
The STAR Outpatient Care Insurance Policy provides coverage for outpatient consultations under three different plans: Silver, Gold, and Platinum. It covers both individuals and families, offering a solution for a wide range of healthcare needs.
For adults aged 18 to 50 and children from the 31st day of birth up to 25 years old, this policy ensures comprehensive coverage for individuals and their families. The policy also allows lifelong renewal, giving you the peace of mind that your coverage can be maintained over the years.
With a maximum coverage of six persons, the STAR Outpatient Care Insurance Policy can provide protection for your entire family. The policy term is one year, and the best part is that no medical checkup is required to avail the coverage.
The policy offers different sum insured options to suit your needs and budget, with coverage amounts of Rs. 25,000, Rs. 50,000, Rs. 75,000, and Rs. 1,00,000. This flexibility ensures that you can select the appropriate coverage level based on your individual requirements.
One of the unique features of this policy is the coverage of non-allopathic treatments. It includes outpatient medical consultation and treatment expenses under Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy systems of medicines. This holistic approach to healthcare allows you to explore alternative treatment options while being covered by your insurance policy.
Additionally, the STAR Outpatient Care Insurance Policy covers diagnostics, physiotherapy, and pharmacy expenses incurred at any networked facility in India. This ensures that you have access to essential healthcare services, including diagnostic tests, physical therapy sessions, and necessary medications.
The policy also provides coverage for dental treatment expenses arising from accidents. Whether it is a chipped tooth or any other dental emergency, you can seek treatment at any networked facility in India as an outpatient, relieving any financial burden that may arise from unexpected dental issues.
Accidents can also lead to ophthalmic treatment requirements, and the STAR Outpatient Care Insurance Policy has you covered. Any ophthalmic treatment expenses arising from accidents incurred at a networked facility in India are included in the coverage, providing you with the necessary support during such unforeseen circumstances.
Policy Premium:
Renewal and Waiting Period:
The STAR Outpatient Care Insurance Policy offers a renewal discount of 25% on the premium after every block of two continuous claim-free years. This serves as an incentive for maintaining a healthy lifestyle and a good claims record.
There is an initial waiting period of 30 days for all illnesses, except for accidents. This ensures that you have coverage for any unexpected health concerns that may arise shortly after purchasing the policy.
For pre-existing diseases, the waiting period varies based on the plan chosen. The Silver plan has a waiting period of four years, the Gold plan has a waiting period of two years, and the Platinum plan has a waiting period of one year. These waiting periods allow the policy to provide fair coverage while managing the risk associated with pre-existing conditions.
Policy Brochure: Star Outpatient Care Insurance Policy
Conclusion:
The STAR Outpatient Care Insurance Policy offers comprehensive coverage and peace of mind for individuals and families. With its range of benefits, including outpatient consultations, non-allopathic treatments, diagnostics, dental and ophthalmic treatments, this policy ensures that you have access to quality healthcare without financial worries. Prioritize your health and secure your family's well-being with the STAR Outpatient Care Insurance Policy.
