Star Health Family Health Optima Insurance

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.

• 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.

• 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

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

• 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