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All About Star Health Insurance Family Health Optima Plan

Updated On Nov 01, 2020

Star Health Insurance is a company which has been operating in the indian market for 15 years now. The company offers many health insurance products and a vast network of empanelled hospitals. Star Family Health Optima Plan is one of the offerings from STAR Health Insurance that has been well received by people in India.

Features of the Star Health Insurance Family Optima Plan

The family optima plan is a floater plan which is very popular among the potential policyholders. Some of its important features are listed in Table below:

Sum Insured

Rs. 1 Lakh to Rs. 25 Lakhs

Eligibility

18 to 65 years (Lifelong renewability for 65+)

Coverage for Dependent Children

16 days to 25 years old 

Network Hospitals

9,900+ Hospitals

Compassionate Travel

Covered

Automatic Restoration of Sum Insured

100% restoration of sum insured is provided 3 times in a policy period

Recharge Benefit

In case the sum insured gets exhausted, a one-time recharge benefit is provided. Recharge amount varies according to the sum insured

Second Medical Opinion

Available

No Claim Bonus

25% of sum insured after 1st claim free year and 10% thereafter for subsequent claim-free years, subjected to a maximum of 100% of sum insured is provided as a reward for no claims.

Waiting Period

Initial – 30 days (excluding accidental hospitalization)

Pre-existing diseases – 48 months

Specific diseases – 24 months

Read here: Star Health Insurance Premium Calculator

Star Health Insurance Family Health Optima Plan Coverage

The family health optima plan covers the following aspects for the policy holder:

  • Air Ambulance Expenses: For plans with higher sum insured, this plan provides air ambulance facility with a maximum limit of 10% of Sum Insured.
  • Hospitalization Benefits: Depending on sum insured, patients get either Single Standard A/C room or benefits up to Rs. 5,000.  
    In case of shared accommodation there is provision for cash benefit based on the sum insured.
  • New-born Baby Coverage: If the mother has been under the coverage of this plan for 12 months, new-born baby coverage is available starting 16th day till policy validity.
  • Road Ambulance: The amount for ambulance is Rs. 750/- per visit and Rs. 1500/- per policy term.  
  • Cost of Health Check-up: For every claim-free year, cost of health check-up (subjected to limits) in a network hospital is borne by the company.
  • Domiciliary Hospitalization: Payable exceeding 3 days of such hospitalization (excluding pre-defined diseases).
  • Road Traffic Accident Cover: If the insured is involved in a two-wheeler road accident, additional sum insured of 25% till maximum of Rs. 5 Lakhs is provided per policy period.
  • Organ Donor Expenses: 10% of Sum Insured, maximum Rs. 1 Lakh.
  • Pre-Hospitalization: The pre-hospitalisation cover is of 60 days before the hospitalisation.
  • Post-Hospitalization: The post-hospitalisation cover is of 90 days after the hospitalisation. 
  • Assisted Reproduction Treatment: Another unique feature offered with this plan is the coverage for assisted reproduction after 36 months of continuous coverage.
  • AYUSH treatment: Treatment ranging between Rs. 10,000 to Rs. 20,000 per policy period depending on sum insured is covered.
  • Other Charges: These charges include the operation theatre charge, oxygen charge, anaesthesia, along with a few others.

Read more: Star Comprehensive Health Insurance

Conclusion

Star Family Health Optima Plan has many unique features and benefits that make it a comprehensive package for Indian families. It can be availed on individual or family floater basis to ensure adequate coverage for the entire family. It is advised to go through all terms and conditions and exclusions, thoroughly, before proceeding with the purchase.  


Disclaimer: This article is issued in general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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