Policy TypeThis policy can be availed either on an Individual or Floater basis. |
Policy TermThis policy can be availed for a term of one year. |
Entry AgeAny person aged between 18 and 50 years can avail this policy. Dependent children are covered from the 31st day onwards up to 25 years. |
Outpatient ConsultationExpenses incurred for outpatient consultation at any Network Facility in India are covered. |
AYUSH CoverOutpatient medical consultation and treatment expenses incurred under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicine are covered. |
Diagnostics, Physiotherapy and PharmacyExpenses incurred towards Diagnostics, Physiotherapy and Pharmacy at Network Facility are covered. |
Dental TreatmentDental treatment expenses for natural tooth or teeth arising out of accidents incurred at any Networked Facility are covered. |
Ophthalmic CoverExpenses towards Ophthalmic treatment out of accidental injuries incurred at any Network Facility in India are covered. |
Lifelong RenewalThis policy offers a lifelong renewal option. |
Renewal DiscountThe Insured Person is eligible for a discount of 25% on the premium at the time of renewal after every block of two continuous claim free years. |
As a Health Insurance specialist, we extend our services from offering tailor-made products to fast in-house claim settlements. With our growing network of hospitals, we ensure easy access to fulfill your medical needs.
We are committed to saving you time, saving you money, and getting rid of the hassles that make health insurance so hard to navigate.
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Buying a health insurance policy is usually not on the top of our priority list. It is often looked at as an unnecessary expense. Rarely do we understand the safety that health insurance policies offer. As humans, we certainly don’t expect to be admitted for major illnesses/diseases and often feel we don’t need a health insurance policy. But unfortunately, we do fall sick. These conditions would have certainly taken you to a clinic or a hospital from the common cold to the cough to diarrhea or allergies.
What is OPD?
Did you know that OPD expenses in India account for over 60% of total health care costs? Yes, you read that right. And while paying Rs 500 per consultation may not seem like a lot, the cumulative expenses incurred over the year certainly cannot be taken for granted.
There could be various reasons for spending on health care, and one way to mitigate these expenses is by buying an OPD insurance policy. You need not be hospitalised or require an in-patient stay to avail of the benefits provided by the policy.
Keeping all this in mind, we have devised the Star Out Patient Care Insurance Policy. This opd insurance policy will help you overcome OPD costs, so you need not stress and worry if you happen to fall sick.
While you may need to be admitted to a hospital for some conditions, most illnesses do not require hospitalisation and treatments for such ailments fall under outpatient care. Outpatient care involves all treatment that a patient received without being admitted to the hospital. Eg. Consultation fees, vitamin supplements, antibiotics.
Just imagine the amount of money you could save on most common outpatient procedures like tests, scans, having a consultation in hospital with a specialist or getting a tooth filled at a dentist’s clinic, etc.
Outpatient care is a healthcare that does not require an overnight stay in a hospital. Outpatient care can be provided in a variety of settings, including clinics, hospitals and outpatient surgery centres.
Outpatient care is becoming increasingly popular in India, as it offers numerous benefits to patients, health insurance providers, and healthcare providers. Outpatient care is a cost-effective, convenient, and time-saving option that can improve patient outcomes, enhance patient satisfaction and reduce healthcare costs.
With these benefits in mind, it is no wonder that outpatient care is becoming an increasingly popular option for healthcare in India.
1.Cost-effective: Outpatient care is generally less expensive than inpatient care, as it does not require an overnight stay in a hospital.
2.Convenient: Outpatient care is more suitable for patients, as it allows them to receive medical care without disrupting their daily routine. Patients can schedule appointments for outpatient care at a time that works best for them without having to take time off work or school.
3.Time-saving: Outpatient care is typically faster than inpatient care, as patients do not have to wait for hospital beds or undergo lengthy hospital admission procedures. This means patients can receive medical care more quickly.
4.Improved access to healthcare: Outpatient care can improve access to healthcare for patients who live in rural or remote areas, as it can be provided in clinics or outpatient facilities that are closer to patients' homes. This can reduce travel time and expenses for patients and their families.
5.Better patient outcomes: Outpatient care can lead to better patient outcomes, as patients are more likely to receive timely and appropriate medical care. This can result in better management of chronic conditions and improved overall health.
6.Enhanced patient satisfaction: Outpatient care can lead to higher levels of patient satisfaction, as patients appreciate the convenience, time-saving and reduced risk of infection that outpatient care provides. This can help to improve patient retention and loyalty to healthcare providers.
7.Reduced healthcare costs: Outpatient care can reduce healthcare costs for health insurance providers, as it is generally less expensive than inpatient care.
8.Improved efficiency: Outpatient care can enhance the efficiency of healthcare delivery by allowing healthcare providers to focus on patients who require inpatient care. This can help to reduce the overall workload for healthcare providers and improve the quality of care.
Overall, outpatient care offers numerous benefits for patients, healthcare providers, and insurance companies in India. It is a cost-effective, convenient, and time-saving option that can improve patient outcomes, enhance patient satisfaction, and reduce healthcare costs.
With the growing demand for healthcare in India, outpatient care is likely to play an increasingly important role in delivering healthcare services.
An outpatient care policy typically covers medical expenses for outpatient medical consultation, non-allopathic treatment expenses, diagnostics, physiotherapy and pharmacy expenses, as well as dental and ophthalmic treatment expenses. Some insights from the Star Outpatient Care Insurance Policy premium chart are given below:
Subject | Criteria | ||
---|---|---|---|
Entry Age | 18 years to 50 years | ||
Dependent Children – 31st day to 25 years | |||
Renewal | Lifelong | ||
Policy period | 1 year | ||
Sum Insured | Rs 25000 to 1 lakh | ||
Discounts | Renewal discount – 25% on the premium after every block of 2 continuous claim free years 5% - for purchase of policy online | ||
Waiting Periods | PED- 48/24/12 months (silver/Gold/Platinum respectively) | Initial waiting period – 30 days (except for accidents) |
Benefits | Coverage limit | Description of cover |
---|---|---|
Out Patient Consultation | Up to S.I and bonus if any | Covers Outpatient expenses incurred at any networked facility in India. |
Non-allopathic treatment expenses | Covered | Covers non-allopathic treatment for those inclined to AYUSH treatments up to sum insured. |
Diagnostics, physiotherapy and pharmacy expenses | Covered | Get your expenses covered incurred on diagnostics, physiotherapy and pharmacy at any networked facility in India. |
Dental and ophthalmic treatment expenses | Covered | Dental and Ophthalmic treatment expenses arising out of accident incurred at any Networked Facility in India is covered. |
Day Care Treatments:
Generally, in order to make a claim against your health insurance, you must be hospitalized for a minimum of 24 hours. However, certain treatments are no longer require 24 hours of hospitalisation as they used to be due to technological advancements. In the past, for example, a patient receiving a cataract operation would be required to stay in the hospital for several days after surgery. As a result of technological advancement, surgery can now be performed on the same day as the patient is discharged from the hospital.
Such type of treatment falls under the policy definition of covered treatment if it is included in your policy.
OPD Treatments:
Outpatient Department, or OPD, treatment refers to the situation in which a patient may visit a doctor or medical practitioner for the purpose of seeking advice, tests, X-rays, investigations, diagnostics physiotherapy etc.
It might seem that Day Care and OPD treatments are similar because they involve a shorter amount of time.
Hospitalization is the most significant difference between the two. A Day Care procedure, even if it takes less time, is performed in a hospital and only then you will be able to claim your medical expenses under a Day Care treatment. Treatments for OPD do not require hospitalisation. The nature of OPD treatment is that it is possible to get the treatment without being admitted to a hospital or clinic.
A root canal treatment is a good example to understand the same. A root canal can be done either in a hospital or clinic without actually being admitted, and therefore falls under the OPD category. A dental surgery done in the event of an accident, however, may result in a day care treatment.
The cost of medical care is rising at an unabated pace in India, and it makes health insurance a necessity than a choice. OPD treatments have become very normal today. Who isn’t visiting a doctor for fever, blood sugar test, ECG, x-rays, or frequenting a family physician or a consultant?
Usually, outpatient treatments come as an add-on to existing policies or benefit from accompanying a standard policy because every person has their requirements and needs when choosing a health insurance policy that suits their pocket. By having an OP cover and an in-patient cover, the person is completely covered. On the contrary, even a healthy person is more likely to visit a doctor for medical conditions, which are not serious enough for hospitalisation, for instance, tooth filling or a few appointments with your general practitioner. As age advances, regular health checkups become a part of life. If you are a person taking regular health check-ups, such expenses are covered under OP care. Unfortunately, the cost of dental treatments, diagnostic tests, periodic doctor consultation, preventive check-ups and medicines can range anywhere from a thousand to 1 lakh. Having said that, the outpatient cover will be more apt for a healthy person and for anyone who frequently visits the hospitals and clinics, and the expenses you incur no longer need to be paid from your pocket.
Medical insurance with OPD or an OPD Health insurance provides coverage against medical expenses for doctor's consultations, outpatient treatments, and diagnostic tests. The best OPD health insurance in India will aim to prevent you from spending out of your pocket for such payments.
Here are the advantages of the Star Outpatient Care Insurance policy review in short form, which will give the answer to the above question:
We provide access to an ever-increasing network of hospitals where you can opt for cashless facility. Our aim is that you should have easy access to a network hospital near you in times of planned or unplanned medical expenses. Star Health Insurance has a network of over 14,000+ hospitals. For the complete list, visit here.
You can enjoy a 5% discount for direct online purchases from starhealth.in . Renewal discount – 25% on the premium after every block of 2 continuous claim free years
Insurance processes can often be long and document-heavy. However, Star Health Insurance offers digital-friendly, zero-touch, quick and convenient options that work better for you during this pandemic situation.
Individual and family members below 60 years can get Rs. 25,000 deductions from taxable income, and the deductible amount can extend up to Rs. 50,000 for senior citizens on premiums paid as per Section 80D of Income Tax Act, 1961. If two family members above the age of 60 are insured under one policy, then the deductible amount extends to Rs 1 lakh. In contrast, if there is one family member below the age of 60 and his parents are also insured under the same policy, then they can avail of a deduction of Rs 75,000.