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:
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Entry Age
18 to 65 Years for adults, 16 days to 25 years for dependent children
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Renewability
Lifelong
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Policy Type
Family Floater
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Sum Insured
INR 3L, INR 4L, INR 5L, INR 10L, INR 15L, INR 20L INR 25L
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Policy Term
1, 2, 3 Years
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Waiting Period for Pre-Existing Disease
48 Month
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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
Network Hospitals
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
COVID-19 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
Star Family Health Optima plan offers a variety of benefits along with coverage benefits. Below mentioned are the additional benefits of Star Family Health Optima:
- 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.
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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.
