Home » Family Health Optima

Star Health Family Health Optima

Get free quotes
Coverage Type
Coverage Amount
Date of Birth
    OR age    yrs
Policy Duration:
Policy Start Date:
Policy End Date:

Unique benefits

  • Pre-Hospitalization expenses up to 60 days prior to admission in the hospital.
  • Post-hospitalisation expenses incurred up to 90 days after discharge from the hospital.
  • Organ Donor Expenses: Cover upto 10% of the Sum Insured or Rupees One lakh, whichever is less.
  • Room, boarding and nursing expenses all inclusive as per the limits.
  • Eligibility
  • Highlights
  • Benefits
  • General Terms
  • Star Advantage
  • Any person aged between 18 years and 65 years, residing in India, can take this insurance.
  • Beyond 65 years only renewals
  • Child from 16th day of age can be covered as part of the family.
  • Single policy, wider coverage for whole family at an affordable premium.
  • Get extra sum insured (auto recharge) at no extra cost,
  • Health Checkup benefit for every claim free year
  • 3 times Automatic restoration of Sum insured by 100% each time upon complete exhaustion
  • Cover for Assisted Reproductive Treatment
  • New-born baby cover from 16th day.
  • Donor expenses for organ transplantation.
  • Domiciliary Hospitalization Expenses for treatment exceeding 3 days.
  • Cover for all day care procedures
  • A grace period of 120 days from the date of expiry of the policy is available for renewal.

Family Health Optima Insurance Plan Benefits (All Amounts in ₹ INR)

3 lac 4 lac 5 lac 10 lac 15 lac 20 lac 25 lac
Policy Period
1 year 1 year 1 year 1 year 1 year 1 year 1 year
Family Definition
Upto Primary Insured + Spouse + 3 children Upto Primary Insured + Spouse + 3 children Upto Primary Insured + Spouse + 3 children Upto Primary Insured + Spouse + 3 children Upto Primary Insured + Spouse + 3 children Upto Primary Insured + Spouse + 3 children Upto Primary Insured + Spouse + 3 children
Hospitalisation - Room Rent limit per day
Upto 5,000 Upto 5,000 Single Standard A/C Single Standard A/C Single Standard A/C Single Standard A/C Single Standard A/C
ICU / Operation Theatre Charges
Actual Actual Actual Actual Actual Actual Actual
No. of Daycare Treatments / Procedures Covered
All Daycare Procedures covered All Daycare Procedures covered All Daycare Procedures covered All Daycare Procedures covered All Daycare Procedures covered All Daycare Procedures covered All Daycare Procedures covered
Sub Limits for Treatment of Cataract as Daycare (per episode / per policy period)
25,000 / 35,000 30,000 / 45,000 40,000 / 60,000 50,000 / 75,000 50,000 / 75,000 50,000 / 75,000 50,000 / 75,000
Ambulance Charges by Road (per policy period)
Upto 750 per hospitalisation and maximum of 1,500 per policy period Upto 750 per hospitalisation and maximum of 1,500 per policy period Upto 750 per hospitalisation and maximum of 1,500 per policy period Upto 750 per hospitalisation and maximum of 1,500 per policy period Upto 750 per hospitalisation and maximum of 1,500 per policy period Upto 750 per hospitalisation and maximum of 1,500 per policy period Upto 750 per hospitalisation and maximum of 1,500 per policy period
Air Ambulance (per policy period)
- - Upto 10% of Sum Insured Upto 10% of Sum Insured Upto 10% of Sum Insured Upto 10% of Sum Insured Upto 10% of Sum Insured
Pre Hospitalisation Expenses incurred
Upto 60 days Upto 60 days Upto 60 days Upto 60 days Upto 60 days Upto 60 days Upto 60 days
Post Hospitalisation Expenses incurred
Upto 90 days Upto 90 days Upto 90 days Upto 90 days Upto 90 days Upto 90 days Upto 90 days
Domiliciary Hospitalisation - for period exceeding 3 days
Covered Covered Covered Covered Covered Covered Covered
Organ Donor
Upto 10% of Sum Insured and maximum of 1,00,000 Upto 10% of Sum Insured and maximum of 1,00,000 Upto 10% of Sum Insured and maximum of 1,00,000 Upto 10% of Sum Insured and maximum of 1,00,000 Upto 10% of Sum Insured and maximum of 1,00,000 Upto 10% of Sum Insured and maximum of 1,00,000 Upto 10% of Sum Insured and maximum of 1,00,000
Free Annual Health Check Up (available after every claim free year on the policy)
750 1,000 1,500 2,000 2,500 3,000 3,500
New Born Baby Cover (provided mother is insured for 12 months without a break)
Upto 10% of Sum Insured and maximum of 50,000 - Child covered from Day 16 after birth Upto 10% of Sum Insured and maximum of 50,000 - Child covered from Day 16 after birth Upto 10% of Sum Insured and maximum of 50,000 - Child covered from Day 16 after birth Upto 10% of Sum Insured and maximum of 50,000 - Child covered from Day 16 after birth Upto 10% of Sum Insured and maximum of 50,000 - Child covered from Day 16 after birth Upto 10% of Sum Insured and maximum of 50,000 - Child covered from Day 16 after birth Upto 10% of Sum Insured and maximum of 50,000 - Child covered from Day 16 after birth
Emergency Domestic Medical Evacuation (per Hospitalisation)
Upto 5,000 Upto 5,000 Upto 7,500 Upto 7,500 Upto 7,500 Upto 10,000 Upto 10,000
Compassionate Visit (Travel)
- - - Upto 5,000 per Hospitalisation Upto 5,000 per Hospitalisation Upto 5,000 per Hospitalisation Upto 5,000 per Hospitalisation
Repatriation of Remains
Upto 5,000 per policy period Upto 5,000 per policy period Upto 5,000 per policy period Upto 5,000 per policy period Upto 5,000 per policy period Upto 5,000 per policy period Upto 5,000 per policy period
Treatment in Preferred Network Hospitals (payable as lump sum)
Upto 1% of Sum Insured subject to maximum of 5,000 per policy period Upto 1% of Sum Insured subject to maximum of 5,000 per policy period Upto 1% of Sum Insured subject to maximum of 5,000 per policy period Upto 1% of Sum Insured subject to maximum of 5,000 per policy period Upto 1% of Sum Insured subject to maximum of 5,000 per policy period Upto 1% of Sum Insured subject to maximum of 5,000 per policy period Upto 1% of Sum Insured subject to maximum of 5,000 per policy period
Shared Accomodation (benefit per day)
800 800 800 800 800 1,000 1,000
AYUSH Treatment
Upto 10,000 Upto 10,000 Upto 15,000 Upto 15,000 Upto 15,000 Upto 20,000 Upto 20,000
Second Medical Opinion
Covered Covered Covered Covered Covered Covered Covered
Assisted Reproduction Treatment (after a waiting period of 36 months)
- - Upto 1,00,000 Upto 2,00,000 Upto 2,00,000 Upto 2,00,000 Upto 2,00,000
Automatic Restoration of Basic Sum Insured (3 times during the policy period, 100% each time)
Covered Covered Covered Covered Covered Covered Covered
Recharge Benefit (Provided once during the policy period)
75,000 1,00,000 1,50,000 1,50,000 1,50,000 1,50,000 1,50,000
Waiting Period
30 days - for fresh proposals excluding Accidental Hospitalisation
Covered Covered Covered Covered Covered Covered Covered
24 months - for specified illness / diseases
Covered Covered Covered Covered Covered Covered Covered
48 months - for Pre Existing Diseases )
Covered Covered Covered Covered Covered Covered Covered
Emergency Domestic Medical Evacuation
  • Company reimburses the expenses incurred towards transportation of the insured person from the treating hospital to another one upto the limits.
Compassionate Travel
  • The Company will reimburse the transportation expenses by air incurred upto Rs5000/- for one immediate family member (other than the travel companion) for travel towards the place where hospital is located.
Repatriation of Mortal Remains
  • The Company shall reimburse up to Rs.5,000/- towards the cost of repatriation of mortal remains of the insured person to the residence of the insured.
Lump-sum for Treatment in Preferred Network Hospital
  • In the event of a medical contingency requiring hospitalization, if the insured seeks advice from the Company, the Company may suggest an appropriate hospital from the network for treatment upto 1% of Basic Sum Insured subject to maximum of Rs.5000/- per policy is payable as lumpsum.
Shared Accommodation*
  • Upto the limits.
AYUSH treatment
  • Upto the limits.
Second Medical Opinion
  • The Insured Person can obtain a Medical Second Opinion from a Doctor in the Company’s network of Medical Practitioners.
Assisted Reproductive Treatment
  • The Company will reimburse medical expenses incurred on Assisted Reproduction Treatment, where indicated, for sub-fertility.
  • Waiting period of 36 months from the date of first inception of this policy.
  • Maximum liability of the Company for such treatment shall be limited to Rs.1 lakh for sum insured of Rs.5 lakh and Rs.2 lakhs for sum insured of Rs.10 lakhs and above for every block of 36 months.
Additional Sum Insured for RTA(Road Traffic Accident)
  • If the insured person meets with a Road Traffic Accident resulting in in-patient hospitalization, then the Basic sum insured shall be increased by 25% subject to a maximum of Rs.5,00,000/- .This benefit is payable if the insured person was wearing a helmet and travelling in a two wheeler either as a rider or as a pillion rider.
Automatic Restoration of Sum Insured
  • Available 3 times at 100% each time, during the policy period. Each restoration will operate only after the exhaustion of the earlier one.
Recharge Benefit
  • Available up to the limits.
Bonus
  • Following a claim free year bonus of 25% of the expiring basic sum insured in the second year and additional 10% for subsequent years (max.100%) would be allowed. Where there is a claim the Bonus would be reversed in the same order in which it was given.
Tax Benefits
  • Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.
Free Look Period
  • A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions. In case insured is not satisfied he can seek cancellation of the policy and in such event the Company will allow refund of premium after adjusting the cost of pre- acceptance of medical screening, stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such cancellation. Free look cancellation is not applicable at the time of renewal.
Guaranteed Lifetime Renewals
  • Life-long renewals beyond 65 years are offered under this policy.
Co-Payment
  • 20% of each and every claim for persons above 60 years at entry level and their subsequent renewals.
Pre-Acceptance Medical Screening
  • Persons above 50 years will be required to undergo pre-acceptance medical screening at the Company nominated centres. Cost of screening is currently borne by the company.
Pre-Existing Diseases/Illness
  • Are covered after 48 months of continuous Insurance without break with any Indian Insurance Company.

Search Star health insurance

Star Health insurance India - Useful links

how to buy insurance online
Star health insurance claim form

Download star health insurance claims form pdf online.

Know more
Health insurance tax benefits
Tax Benefits

Tax deduction on health insurance premium paid for you, your family and your parents.

Know more
Network of Hospitals
Network of Hospitals

Star health insurance hospital list

Know more
Portability
Portability

Mediclaim portability in India

Know more
Welcome to NRIOL Indian Insurance  - Online Chat
Name is required
Email is required Email is invalid
Contact is required
logo

NRIOL.COM, the premier online community since 1997 for the Non Resident Indians. NRIOL provides a range of resourceful services for immigrants and visitors in the US, the UK, UAE, Australia and other nations with large NRI communities.

CONTACT

NRI Online Pvt. Ltd.

Phone: +91-80-41101026

Email:

Estd. 1997 © Copyright NRI Online Pvt. Ltd. All rights reserved worldwide.