Star Family Health Optima Insurance Plan

Star Family Health Optima is an insurance plan which is offered by the Star Health Insurance Company. Under this plan, you will be able to include your whole family and is a family floater health insurance plan. The whole sum insured floats among all insured persons within this 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.
Sum Assured
  • Rs.3 lakh
  • Rs.4 lakh
  • Rs.5 lakh
  • Rs.10 lakh
  • Rs.15 lakh
  • Rs.20 lakh
  • Rs.25 lakh
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.
Renewability Lifelong renewability is available.
Special Features
  • Recharge benefit that provides additional indemnity up to specified limits.
  • All day-care procedures are covered.
  • Health check-up expenses are covered.
  • Cover for new-born baby.
  • Donor expenses covered for organ transplantation.
  • Offers automatic restoration of sum insured.
  • The grace period is 120 days from the date the policy expires.
Premium Premiums vary depending on sum assured, age, family size and zone.
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 11,000 network hospitals
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.
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.

Find cashless network hospitals nearby: Star Health Network Hospitals

Other Health Insurance Plans from Star Health Insurance:

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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