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For Comparative Insurance Quote: Om Plaza, 430/7, 1st Floor, Sant Nagar, East of Kailash, New Delhi-65
Phone: 011-41324957, 41623784, Mob:+91-8447757651 & 53 Email: ria1@surekhae.com
OPD Coverage Health Insurance Plans
 
Last Updated On- 05, April 2012
(1) Who offers OPD Coverage as a part of Health Insurance Plan   (2) Policy Wording/ Proposal Form/ Brochure
(3) Product details of Various Companies for OPD Coverage Insurance Policy
 
General/Health Insurance Companies Products
 
 
 
 
3- Star Health Gian Insurance Policy
Other pre - and post - hospitalisation benefits
- Expenses in a hospital for inpatient hospitalization (minimum 24-hour stay).

- Hospitalisation expenses under the following heads are payable.- Room rent or boarding upto 2% of the sum insured, subject to a maximum of Rs 4000 per day in Class A cities; 1% of the sum insured, subject to a maximum of Rs 3000 per day in Class B cities; 1% of the sum insured, subject to a maximum of Rs 1,000 per day in subject to a maximum of Rs 1000 per day in other locations.

- Nursing charges.

- Surgeons, consultants and anaesthetists fees

- Blood, oxygen, diagnostic expenses, cost of pacemakers and similar expenses

- Drugs and medicines

- Emergency ambulance charges for transporting the patient to the hospital upto a sum of Rs 750 per hospitalization and overall policy limit of Rs 1,500.

- Pre-hospitalization expenses upto 30 days prior to the date of admission in hospital/nursing home

- Post-hospitalization expenses calculated @7% of the hospitalization expenses (excluding room rent), subject to a maximum of Rs 5000 (benefit-based).
What cannot be claimed?
-Treatment of illness/disease/sickness contracted by the insured person during the first 30 days from the commencement date of the policy

-First Two Years Exclusions: Cataract, Hysterectomy for Menorrhagia or Fibromyoma, Replacement surgery for knee and/or joint (other than caused by an accident), Prolapse of intervertebral disc(other than caused by accident),varicose veins and varicose ulcers

-First Year Exclusions: Benign Prostate Hypertrophy, Hernia, Hydrocele, Fistula in anus, Piles, Sinusitis and related disorders, congenital internal disease/defects, removal of gallstones and renal stone

-Naturopathy treatment

-Expenses which are purely diagnostic in nature with no positive existence of any disease

-Expenses incurred for non-allopathic treatment

-Treatment of external Congenital disease/defects/anomalies

-Expenses which are mainly cosmetic in nature
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