It’s the perfect health partner for individuals and families seeking everyday medical protection

Star Health Insurance – Out Patient Care Insurance Policy

Introduction:
The Star Health Out Patient Care Insurance Policy is a unique and innovative plan designed to cover outpatient medical expenses — a category often ignored by traditional health insurance policies. This policy provides financial protection for doctor consultations, diagnostic tests, pharmacy bills, and minor treatments that do not require hospitalization. It is an excellent choice for individuals and families who frequently visit clinics or need regular medical attention.

Key Features of Star Out Patient Care Policy

1. Covers Outpatient Expenses:
   Provides reimbursement for medical consultations, pharmacy bills, diagnostic tests, and minor surgical procedures taken on an outpatient basis.
2. Doctor Consultation Coverage:
   Includes expenses for consultations with general physicians and specialists, ensuring you can seek medical advice without worrying about costs.
3. Diagnostic Tests:
   Covers expenses incurred for laboratory investigations, scans, and other diagnostic tests prescribed by registered medical practitioners.
4. Pharmacy Bills:
   Reimburses the cost of medicines purchased based on doctor prescriptions.
5. Dental & Ophthalmic Treatment:
   Includes coverage for dental and eye care treatments taken on an outpatient basis.
6. Health Check-Ups:
   Provides coverage for preventive health check-ups at network hospitals and clinics.
7. No Hospitalization Required:
   Designed specifically for outpatient care, helping you manage frequent medical needs conveniently.
8. Cashless & Reimbursement Facility:
   Offers both cashless and reimbursement options across Star Health’s extensive network of 14,000+ hospitals and clinics.
9. Family Floater Option:
   Covers the entire family under a single sum insured for outpatient care benefits.
10. Tax Benefits:
    Premiums paid are eligible for tax deductions under Section 80D of the Income Tax Act.

Other Important Information

• Eligibility: Adults between 18 to 65 years; dependent children from 91 days to 25 years.
• Policy Type: Individual and Family Floater.
• Sum Insured Options: Varies from ₹25,000 to ₹1,00,000 depending on coverage needs.
• Waiting Period:
  • Initial waiting period – 30 days (except for accidental cases).
• Network Coverage: Over 14,000+ hospitals and 500+ diagnostic centers across India.

Example Case Study

Example:
Mr. Arvind, a 45-year-old marketing professional, frequently visits his doctor for follow-up checkups and lab tests due to hypertension and high cholesterol. He purchased the Star Health Out Patient Care Insurance Policy with a sum insured of ₹50,000 for himself and his wife.

During the year, he spent around ₹8,000 on doctor consultations, ₹5,000 on diagnostic tests, and ₹4,000 on medicines. His wife also had dental treatment costing ₹6,000. All these expenses were reimbursed under the policy, saving him nearly ₹23,000 annually.

This example shows how Out Patient Care Insurance supports people with regular medical expenses, ensuring savings and easy healthcare access without hospitalization.

Conclusion

The Star Health Out Patient Care Insurance Policy is a practical and forward-thinking plan that bridges the gap between routine healthcare needs and financial security. By covering consultations, diagnostics, and pharmacy costs, it promotes preventive healthcare and early treatment, helping you stay healthy without financial worries.

It’s the perfect health partner for individuals and families seeking everyday medical protection — because health care is not only about hospitalization, but also regular care.

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