Star Health and Allied Insurance Company Limited
Star Out Patient Care Insurance Policy
UIN SHAHLIP22231V012122We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹1 lakh
Claim settlement (CSR)
99.06%
PED waiting
36 months
Specific disease wait
—
Mandatory co-pay
0%
Room rent prop. ded.
No
Pre / post hosp.
—
Network hospitals
14,000+
Free look
30 days
What this plan does well
- OPD-only product — fills gap for routine consultations + diagnostics + pharmacy
- Platinum plan: 12-month PED waiting (industry-best for OPD)
- Silver/Gold/Platinum tier structure with PED 36/24/12 months
- NIL sub-limits, NIL co-pay, NIL deductible (CIS Section 8)
- Renewal Discount 25% after every 2 claim-free years
- Accident-coverage at non-network facility (reimbursement)
- AYUSH inpatient cover (the one inpatient exception)
Watch out for
- Network-only cashless (cannot use OPD at non-Star network)
- OPD-only — does NOT replace hospitalization plan
- Maternity excluded entirely
- No tele-consultation built in (only physical at network)
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.