You need health cover regardless of what you take two at a time - pills or stairs.
  • Star Family Health Optima Insurance Plan

    Star Family Health Optima Insurance Plan

    Star Family Health Optima is a health insurance policy offered by Star Health Insurance Company wherein you can include your whole family under the same plan. This is a family floater plan. The whole sum insured floats among all insured persons within the policy.

    Features & Benefits of Star Family Health Optima:

    Entry Age

    Persons between the ages of 18 years to 65 years can take this policy. Children can be covered from the 16th day of their birth.

    Basis

    This is a family floater plan. Sum insured floats among all insured persons. You can include self, spouse and children (not more than three) under the same plan.

    Medical Screening

    All individuals above the age of 60 years need to go through pre-acceptance medical screening at company nominated centres. The cost will be borne by the company. The cost of screening and the age for screening are subject to change.

    Renewability

    Lifelong renewability is available.

    Special Features

    Recharge benefit that provides additional indemnity up to specified limits.

    Offers more than 400 day-care treatment procedures.

    Health check-up expenses are covered.

    Cover for new-born baby.

    Cover for domiciliary hospitalization treatments.

    Donor expenses covered for organ transplantation.

    Offers automatic restoration of sum insured. There shall be automatic restoration of the basic sum insured upon exhaustion of the limit of coverage.

    Sum Assured

    Sum assured ranges from Rs. 1,00,000 to Rs.15,00,000 lakhs.

    Premium

    Premiums vary depending on sum assured, age, family size and zone. Normally, it ranges from Rs. 3,890 to Rs.34,700.

    Co-Payments

    A co-payment of 20% is applicable for fresh as well as renewed policies for insured persons above the age of 60 years.

    Star Advantages

    Get direct in-house claim settlement. No third party administrator is involved.

    Hassle-free claim settlement.

    More than 6000 network hospitals

    Personalized E -health records.

    Benefits

    Offers tax benefits. Amount paid by any other means except for cash is eligible for tax exemption under section 80D of the Income Tax Act, 1961.

    A free look period of 15 days from the date of receipt of the policy is available to the insured person.

    Inpatient hospitalization expenses covered.

    Pre-hospitalization expenses covered up to 60 days.

    Post hospitalization expenses up to 90 days;

    Pre-existing disease are covered after 48 months of continuous insurance renewal without any break.

    Bonus

    Bonus is given up to a specified limit following a claim free year of insurance.

    Exclusions

    Certain eye related diseases and surgeries, gallbladder and pancreatic diseases, and expenses incurred on high intensity focused ultrasound etc. are not covered under this policy.

    Other Health Insurance Plans from Star Health Insurance

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