Star Family Health Optima Insurance Wordings

Cashless Approval TAT | 90% Cashless claim settlement within 2 hrs |
Claim Settlement Ratio | 89.90% |
Network Hospitals | 14,000+ |
Pre-existing Disease Waiting Period | 1 year |
Special Benefits | No Extra Premium for Disease Coverage |
Starting Premium for Rs. 5 lakhs SI | Rs. 410/month |
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Star Health Insurance Plan List
Name of Plan | Sum Insured | |
Assure | Check Premium | |
Young Star Insurance PolicyMin: 91 days; Max: 40 years | 3 Lakh-1 Crore | Check Premium |
Family DeliteMin: 5 Months; Max: 65 Years | 2 Lakh | Check Premium |
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years | 1 Lakh - 5 Lakh | Check Premium |
Corona Kavach PolicyMin: 1 Day, Max: 65 Years | 50,000 - 5 Lakh | Check Premium |
Corona Rakshak PolicyMin: 18 years; Max: 65 years | 50,000 - 2.5 lakh | Check Premium |
Outpatient Care Insurance PolicyMin: 31 day; Max: 50 years | 25 Thousand - 1 Lakh | Check Premium |
Star Micro Rural And Farmers Care PolicyMin: 12 months; Max: 65 years | Check Premium | |
Star Novel Coronavirus (nCov) (COVID-19) InsuranceMin: 3 months; Max: 65 years | Check Premium | |
Star Care Micro InsuranceMin: 2 Years; Max: 65 Years | 1 Lakh | Check Premium |
Criticare PlusMin 18 Years; Max: 65 Years | 2 Lakh | Check Premium |
Star ComprehensiveMin: 3 Months; Max: 65 Years | 5 Lakh | Check Premium |
Red CarpetMini: 60 Years; Max 75 Years | 1 Lakh | Check Premium |
Diabetes SafeMin: 18 Years; Max: 65 Years | 3 Lakh | Check Premium |
Cardiac CareMin: 10 Years; Max 65 Years | 3 Lakh | Check Premium |
Medi Classic Insurance PolicyMin: 5 Months; Max: 65 Years | 2 Lakh | Check Premium |
Cancer Care Gold Min: 5 Months; Max: 65 Years | 3 Lakh | Check Premium |
Star Health GainMin: 91 Days; Max: 65 Years | 1 Lakh | Check Premium |
Special Care Min: 3 Years; Max: 25 Years | 3 Lakh | Check Premium |
Family Health OptimaMin: 16 Days; Max: 65 Years | 3 Lakh | Check Premium |
Star Health Insurance Top Up List
Name of Plan | Sum Insured | |
Super SurplusMin: 91 Days; Max: 65 Years | 5 Lakh | Check Premium |
Star Hospital Cash Insurance PolicyMin: 91 days; Max: 65 years | Check Premium |
2658 Star Cashless Network Hospitals in India
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FAQs on Family Health Optima Health Insurance Plan
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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.
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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.
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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.
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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.