Star Family Health Optima Health Insurance

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)

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 

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. 

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.

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.

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.

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.

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.

Coverage is given up to 10% of the sum insured or Rs. 1 Lakh, whichever is less.

Yes, Domiciliary Hospitalisation is available in under this policy. But coverage is made only for medical treatments that exceed for more than 3 days.

The two basic eligibility criteria for getting the insurance policy are entry age and medical check-up.

You can get all your policy regarding queries resolved by connecting with us on the toll-free number - 1800-120-5698.