Star Family Health Optima Plan

Star Family Health Optima Plan

  • Multiple Sum Insured Option
  • No-Pre Medical Test Required
  • Coverage for New Born Baby

Star Family Health Optima Insurance Plan

Star Family Health Optima Plan is a family health insurance plan that offers health coverage to the entire family at reasonable premium costs. It is a strategically priced family floater health plan that takes care of every healthcare need of the customers. Star health family health optima offer a wide range of coverage benefits such as in-patient hospitalization, ambulance charges, pre and post-hospitalization, cover for daycare procedures, etc.

Star family health optima insurance plan also provides several other additional benefits such as annual health checkups, auto recharge of sum insured, no-claim bonus, etc.

Highlights of Star Health Family Health Optima Plan

Below-mentioned are the highlights of Star Health Family Health Optima Plan:

  • Entry Age

    18 to 65 Years for adults, 16 days to 25 years for dependent children

  • Renewability

    Lifelong

  • Policy Type

    Family Floater

  • Sum Insured

    INR 3L, INR 4L, INR 5L, INR 10L, INR 15L, INR 20L INR 25L

  • Policy Term

    1, 2, 3 Years

  • Waiting Period for Pre-Existing Disease

    48 Month

  • Pre-Screening Medical Checkup

    Not Required

Eligibility to buy Star Family Health Optima Insurance Plan

Below mentioned is the eligibility of Star Family Health Optima Insurance Plan:

  • Family Floater

Entry Age: 18 to 65 Years for adults, 16 days to 25 years for dependent children

No. of Covered Member: Upto 5 Members

Coverage Benefits Offered Under Star Health Family Health Optima Insurance Plan

Family Health Optima Insurance Plan offers you a variety of coverage options so that you can buy the best star health plan as per the medical needs of your family. Take a look at the coverage benefits offered by each SI option and choose the one that best suits your needs:

  • 3L
  • 4L
  • 5L
  • 10L
  • 15L
  • 20L
  • 25L

Room Rent

Up to INR 5K per day

Up to INR 5K per day

Single Standard AC Room

Single Standard AC Room

Single Standard AC Room

Single Standard AC Room

Single Standard AC Room

ICU Charges

Covered

Pre-Hospitalization

Covered up to 60 Days

Post-Hospitalization

Covered up to 90 Days

Domiciliary Hospitalization

Covered if hospitalization exceeds 3 days

Daycare Treatments

All Daycare Treatments Covered

Cataract Treatment

Covered Up to INR 35K

Covered Up to INR 45K

Covered Up to INR 60K

Covered Up to INR 75K

Covered Up to INR 75K

Covered Up to INR 75K

Covered Up to INR 75K

No Claim Bonus

Available up to 100% of SI

Automatic Restoration

100% of SI thrice a year

Organ Donor

Covered up to 10% of SI

New Born Baby Cover

Covered up to 10% of SI

AYUSH Treatment

Covered up to 10K

Covered up to 10K

Covered up to 15K

Covered up to 15K

Covered up to 15K

Covered up to 20K

Covered up to 20K

IVF Treatment

Not Covered

Not Covered

Covered Up to INR 1L

Covered Up to INR 2L

Covered Up to INR 2L

Covered Up to INR 2L

Covered Up to INR 2L

Modern Treatment

Covered

Ambulance Cover

Covered up to INR 1.5K

Air Ambulance Cover

Not Covered

Not Covered

Covered up to 10% of Sum Insured

Covered up to 10% of Sum Insured

Covered up to 10% of Sum Insured

Covered up to 10% of Sum Insured

Covered up to 10% of Sum Insured

Health Check-Up

Available up to INR 750

Available up to INR 1K

Available up to INR 1.5K

Available up to INR 2K

Available up to INR 2.5K

Available up to INR 3K

Available up to INR 3.5K

Second Medical Opinion

Available

Co-Payment

20% of Claim Amount

Sub-Limit

Applicable

Benefits of Buying Star Health Optima Plan

The Star Family Health Optima plan offers a variety of benefits, including coverage benefits. Below are the additional benefits of the Star Family Health Optima Insurance Plan:

  • Emergency Domestic Medical Evacuation: The cost of transportation from the hospital treating the insured person to another hospital for further treatment will be covered by the Star Health Insurance Company (up to the limits of the policy).
  • Treatment in Valuable Service Providers: A lump sum amount equal to 1% of the base SI (up to INR 5K) is given every policy year if the insured receives treatment in any of the recommended network hospitals of the company. This is valid only if you opt for a minimum Sum Assured of INR 3 lakhs.
  • Assisted Reproductive Treatment: You will get reimbursement for medical expenses incurred due to Assisted Reproduction Treatment. Assisted reproductive treatments will be covered after the waiting period of 36 months, and the maximum coverage amount you will get is INR 1 lakh for a sum insured of INR 5 lakh and INR 2 lakh for a sum insured of 10 lakhs and above.
  • Additional Sum Insured for RTA (Road Traffic Accident): If the insured is involved in a road traffic accident requiring patient hospitalization, the basic sum insured will be increased by 25%, subject to a maximum of INR 5 lakh. This benefit is available when the insured person is driving a motorcycle or scooter as a passenger or rider wearing a helmet.

Star Family Health Optima Insurance Plan Exclusions

Below mentioned are the diseases and medical conditions that are not covered under the star health family health optima plan:

  • Mental illness
  • Intentional self-injury
  • Dental surgery
  • Cosmetic & aesthetic treatment
  • Miscarriage and abortion
  • AIDS
  • Hospitalization out of war, riot, strike, and nuclear weapons
  • Congenital disease
  • Infertility and in vitro fertilization

Explore More About Star Family Health Optima Insurance Plan

Check the below section to learn more about the star health insurance buying process, star health insurance claim settlement process, star health insurance renewal process.