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Star Health Family Health Optima Insurance

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Star Family Health Optima Insurance Plan

 

Star Health Family Optima is a complete health insurance policy for the family which covers medical expenses incurred by a person due to any illness or injury. There is a considerable saving in premium as the entire family is covered under one policy with single sum insured.

 

 

Key Features of Star Family Health Optima Insurance Plan

 

  • Wide cover for treatment against illnesses and accident
  • Benefits of coverage before, during and after hospitalisation
  • The entire family gets covered by paying a single premium amount
  • No medical check up till 50 years of age and post which check up is done at the company expense
  • Pre existing diseases are covered after 48 months of continuous insurance.

 

 

What is covered in Star Family Health Optima Insurance Policy?

 

  • In-patient expenses which includes the room accommodation charges in hospital This means that the insures is hospitalised for a minimum of 24 hours.
  • Nursing expenses
  • Fees paid to consultant, surgeon, specialist and/or anesthetist
  • Money spent on medicines and drugs
  • Cost incurred on hiring emergency ambulance to transport the insured patient to the hospital
  • Expenses incurred prior to hospitalisation and post hospitalisation

 

 

Additional Benefits of Star Family Health Optima Insurance Policy

 

  • Pre existing diseases are covered after 48 months of continuous renewal of insurance.
  • No Third Party Administrator (TPA) used for claim settlement; same is done directly by in-house team
  • Free consultation by general physician over the phone
  • Offers a 10% cumulative bonus for every claim-free year

 

 

Eligibility and Restrictions of Star Family Health Optima Insurance Plan

 

 

 

Minimum

Maximum

Coverage Amount (in Rs.)

1,00,000

5,00,000

Policy Term (in years)

1

1

Entry Age (in years)

5 months

60 years

Renewable till Age (in years)

-

60 years

 

 

Family floater policy will cover

 

  • An individual and/or his spouse
  • 3 Dependent children till age 25 years

 

 

Exclusions - What is not covered in Star Family Health Optima Insurance Plan?

 

  • All treatments of illness / disease / sickness by the insured person within the first 30 days from the date of commencement of the policy
  • Exclusion of certain diseases from the first two policy years namely - cataract, Replacement surgery for knee and/or joint, Hysterectomy for Menorrhagia or Fibromyoma, varicose veins and Prolapse of intervertebral disc, varicose ulcers. Some of them are covered in case caused due to accident.
  • Exclusion of few diseases from the first policy year like Piles, Hernia, congenital internal disease/defects, Hydrocele, Fistula in anus, Sinusitis and related disorders, removal of gallstones and renal stone, Benign Prostate Hypertrophy
  • If certain expenses are incurred but are only diagnostic in nature and there is no positive existence of any illness or disease
  • Non-allopathic treatment expenses
  • Treatment of any congenital disease, defects or anomalies that are external
  • Naturopathy treatment
  • Expenses that are cosmetic in nature

 

 

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