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Star Health Family Health Optima Insurance
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.
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
Coverage Amount (in Rs.)
Policy Term (in years)
Entry Age (in years)
Renewable till Age (in 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