Star Family Health Optima Health Insurance

Claim Settlement Ratio | 85.47% |
COVID-19 Cover | Yes |
In-House Claim Settlement | Available |
Network Hospitals | 9,900+ |
Policies Sold | 37,34,365 |
Renewability | Lifelong |
About Star Family Health Optima Health Insurance
Star Health Optima Plan is a super saver plan, which provides coverage for the entire family members at reasonable costs, including spouse, and dependent kids between 16 days and 25 years of age. People from 18 years to 65 years of age, who live in India, can buy this policy. Beyond the age of 65 years, the health plan can be renewed for a lifetime. Health check-up is gifted for every claim free year under this policy. The plan brings 3 times automatic restoration of the sum insured by 100% for every complete exhaustion.
Further, the Star Health Optima offers wide coverage such as cover for hundreds of day-care procedures, pre-hospitalisation and post-hospitalisation, domiciliary hospitalisation, donor expenses for organ transplantation, coverage for newborn baby cover from the 16th day, and so on. Policyholders can get the additional sum insured by spending a little more.
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Key Inclusions and Exclusions of the Plan
What's Included
- In-patient hospitalisation like room charges, nursing expenses, ICU, surgeon’s fee, etc.
- Domiciliary hospitalisation (treatment at home) for a period exceeding three days
- All sorts of day care procedures are covered that take less than 24 hours
- Air ambulance charges up to 10% of the basic sum insured during the policy period
- Pre and post hospitalisation expenses 60 days and 90 days respectively
What's Not Included
- Injury or ailment caused due to warlike situations, invasion of enemy etc.
- Expenses arising due to self-inflicted injury or suicide attempt etc.
- Venereal disease and sexually transmitted diseases
- Dental treatments, unless required due to accidental injuries
- Vaccinations except for post-bite and other medical treatment
Family Health Optima Plan Details
Features/Plan | Star Family Health Optima (3,4 lakh) | Star Family Health Optima (5, 10, 15, 20, 25 lakh) |
---|---|---|
Restoration Benefit | Up to 300% of SI | Up to 300% of SI |
No Claim Bonus | Up to 100% of SI | Up to 100% of SI |
Room Rent | Up to Rs. 5000 | Single standard A/C room |
1506 Star Cashless Network Hospitals in India
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Star Family Health Optima Expert Review
Expert Review
In order to beat the soaring rates of healthcare, having the right health insurance plan for yourself and family has become a necessity. Considering the same, Star Health has come up with a comprehensive health insurance plan by the name of Family Health Optima. The plan is all you need for your family to keep their lives secured under unforeseen health emergencies. It gets you covered for regular hospitalisation benefits on floater basis thereby contributing to a stress-free life.
Star Health’s Family Health Optima Insurance Plan can be briefed as a single policy with wider coverage for the entire family at an affordable premium. If you are a resident of India aged between 18 years to 65 years and require a health insurance policy that is loaded with extra benefits, then you can confidently give this a shot. The policy is available on the family floater basis. You can include yourself, your spouse, dependent children who are economically dependent on parents if they are aged between 16 days to 25 years. The policy lets you choose from a wide range of sum insured options starting from Rs. 3 Lakh going up to Rs. 25 Lakh.
Major Attractions
The plan comes with a lot of attractive coverage features. A few to note are- AYUSH treatment, second medical opinion, the additional sum insured for Road Traffic Accident, ambulance charges for emergency hospitalisation and so on. Other areas where this policy keeps you covered are-
- All the daycare procedures
- Expenses of a newborn baby from the 16th day
- Donor expenses for organ transplantation
- Cover for the cost of health check-up for every claim free year
- Cover for pre-existing diseases after the waiting period of 48 months
- Domiciliary treatment expenses if the treatment exceeds 3 days
- 60 days pre-hospitalisation expenses and 90 days post-hospitalisation expenses
- 3 times automatic restoration of the sum insured by about 100%, every time on complete exhaustion of sum insured
- In-patient hospitalisation expenses that include room, boarding and nursing charges, cost of medicines, etc.
- Cover for an air ambulance for up to 10% of the basic sum insured for every policy period (for sum insured options above Rs. 5 Lakh)
What’s More?
The list of benefits provided under this plan has not ended yet. With the policy, you also get the following-
- Lifetime renewability
- Tax benefits under Section 80D of the Income Tax Act
- Free look period for 15 days
- Health-related information through a free health magazine
- Cashless hospitalisation at the network hospitals
Conclusion
The policy certainly provides a comprehensive cover for your family. You can go for it if you have a nuclear family and are looking for an economical health insurance plan to get them covered.
Now the question is-From where should you buy this plan to get the best deal? The answer is direct-ONLINE! You can get online to any leading health insurance broker like InsuranceDekho and tell them your requirements. The customer care executives there will suggest the best suitable variant under this plan after Need Analysis.

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FAQs on Family Health Optima Health Insurance Plan
After how much time pre-existing diseases are covered under Star Health Optima Plan?
The pre-existing diseases are covered after 48 months of buying the policy.
How much coverage one can avail out of air ambulance cover? Is this feature available for every policyholder having this plan?
The insured individuals can get only up to 10% of the basic sum insured per policy period. The air ambulance feature is available for people having a sum insured of Rs. 5 Lakh and above only.
Who needs to go through pre-acceptance medical screening?
Individuals above 50 years of age or those who present adverse reports about their medical history in the proposal form are required to undergo pre-acceptance medical screening at the centers empanelled under the company. The expense of such screening will be borne by the firms. The age for screening and the cost sharing are subject to change.
What is the coverage of newborn baby under Star Health Optima Plan?
The coverage for New Born Baby starts only after the 16th day of its birth till plan gets expired. This coverage is subject to an expense of 10% of the sum insured or Rs. 50,000, whichever is less, on the basis of the sum insured. It is applicable only if the mother of the baby is insured under the plan for a continuous period of 1 year without
break .How much co-payment is there under this policy?
The plan is subject to co-payment of 20% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is above 60 years.
Will this policy benefit us with any sort of tax benefits?
Payment of premium for Star Health Optima Plan by any mode other than cash is eligible for relief under section 80D of the Income Tax Act 1961.
How much organ donor expenses are covered under the Star Health Optima Policy?
Coverage is given up to 10% of the sum insured or Rs. 1 Lakh, whichever is less.
Is Domiciliary Hospitalisation available in this plan?
Yes, Domiciliary
Hospitalisation is availablein under this policy . But coverage is made only for medical treatments that exceed for more than 3 days.The eligibility to get a Star health insurance plan depends on what factors?
The two basic eligibility criteria for getting the insurance policy are entry age and medical check-up.
What is the toll-free number where I can gain detailed information for Star Health Optima Policy?
You can get all your policy regarding queries resolved by connecting with us on the toll-free number - 1800-120-5698.