Star Outpatient Care Plan
🌟 Introduction
Star Health and Allied Insurance Company ne apni Outpatient Care Insurance Policy launch ki hai, jo un logon ke liye hai jo hospitalisation ke bina bhi regular doctor visits, tests, medicines, aur minor treatments ke liye financial support chahte hain. Yeh policy unhe madad deti hai jo apne OPD (Outpatient Department) expenses ko manage karna chahte hain bina apni savings ko chhode.
🛡️ Key Features
Policy Type: Individual aur Family Floater
Sum Insured Options: ₹25,000, ₹50,000, ₹75,000, ₹1,00,000
Policy Term: 1 saal, lifetime renewability
Entry Age: Adults ke liye 18–50 saal; Children ke liye 31 din se 25 saal tak
Family Coverage: Self, spouse, aur dependent children (31 din se 25 saal tak)
Plan Variants: Silver, Gold, Platinum
✅ Coverage Details
1. Doctor Consultation
General Physician & Specialist Visits: Network hospitals mein doctor consultation expenses cover hote hain.
AYUSH Treatments: Ayurveda, Yoga, Unani, Siddha, Homeopathy treatments bhi cover hain.
2. Diagnostic Tests
Lab Tests & Imaging: Blood tests, X-rays, MRIs, CT scans, etc., jo OPD basis pe kiye jaate hain, cover hote hain.
3. Medicines & Pharmacy Bills
Prescription Medicines: Doctor ke prescription par kharidi gayi medicines ka cost cover hota hai.
Pharmacy Expenses: Network pharmacies se kharidi gayi medicines bhi cover hain.
4. Physiotherapy
Rehabilitation: Accident ya surgery ke baad physiotherapy sessions ka cost bhi policy cover karti hai.
5. Dental Treatments
Accidental Dental Care: Accident ke wajah se hone wale dental treatments ka bhi coverage hai.
6. Ophthalmic Treatments
Eye Care: Eye check-ups aur related treatments bhi cover hote hain.
🏅 Plan Variants & Waiting Period
| Plan Type | Waiting Period for Illnesses |
|---|---|
| Silver | 48 months |
| Gold | 24 months |
| Platinum | 12 months |
Note: Accident cases mein koi waiting period nahi hota.
💡 Benefits
No Hospitalisation Required: Sirf doctor visits aur minor treatments ke liye coverage.
Cashless Facility: Network hospitals aur pharmacies mein cashless treatment ka option.
Comprehensive Coverage: Doctor consultation se lekar medicines, tests, aur minor treatments tak sab kuch cover.
Family Floater Option: Ek hi policy mein family ke sabhi members ko cover kiya ja sakta hai.
Lifelong Renewability: Policy ko lifetime renew karne ka option.
🚫 Exclusions
Pre-existing Diseases: Policy ke start hone ke baad kuch samay tak cover nahi hoti.
Cosmetic Treatments: Beauty-related treatments ka coverage nahi hai.
Weight Management: Obesity aur weight loss treatments cover nahi hote.
Self-inflicted Injuries: Apne aap ko chot pahuchana cover nahi hota.
Substance Abuse: Alcohol ya drug addiction treatments ka coverage nahi hai.
📝 Policy Terms
Free Look Period: Policy lene ke baad 15 din ka samay hota hai, agar aapko policy terms pasand nahi aaye to aap return kar sakte hain.
Renewal: Policy ko har saal renew karna hota hai, aur lifetime renewability ka option hai.
Grace Period: Premium due hone par 30 din ka grace period diya jata hai.
💰 Premium Calculation
Premium aapke selected sum insured, age, aur plan variant par depend karta hai. Aap Star Health ki official website ya nearest branch se premium ka estimate le sakte hain.
🏥 Network Hospitals
Star Health ka extensive network hai jisme pan-India 15,000+ hospitals shamil hain. Aap apne nearest network hospital ki list Star Health ki website ya customer care se le sakte hain.
🧠 Conclusion
Star Health ka Outpatient Care Insurance Policy un logon ke liye ek valuable option hai jo apne daily health expenses ko manage karna chahte hain bina hospitalisation ke. Yeh policy aapko financial security deti hai aur aapke health-related expenses ko manageable banati hai. Agar aapko lagta hai ki aapke regular doctor visits, tests, aur medicines ka kharcha zyada ho raha hai, to yeh policy aapke liye beneficial ho sakti hai.