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A supersaver policy covering every family member.
Star Family Health Optima is a strategically priced family health insurance plan. It offers comprehensive medical coverage to fulfill different healthcare needs of customers at affordable premiums. This plan by Star Health Insurance provides wide coverage including in-patient hospitalization, pre and post-hospitalization, daycare procedures, and ambulance charges.
The Family Health Optima Insurance plan also allows customers to maintain personal health records in an electronic format. Additionally, it extends to several benefits such as annual health check-ups, auto recharge, no-claim bonus, and coverage for modern treatments. All these features and benefits make this plan an excellent health insurance option for families.
| PLAN DETAILS |
Star Family Health Optima Plan |
Criticare Plan |
| Product Type | Individual and Family Health Insurance | Critical Illness Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
14000 | 10000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Applicable | Not Covered |
| Plan Entry Age | 18 to 65 Years | Adults - 18 -65 years |
| Plan Premium Entry Age and S/A | 25318 | 17,765 |
| Plan Waiting Period | 30 | 90 days to 4 years |
| Plan Coverage | - | AccidentCare cover, CritiCare cover, HospiCash cover |
| Plan Sample Premium | - | 17,765 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | upto 3 years | 1 year, 2 year, 3 years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Not Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Not Covered |
| Ayush Treatment | Covered | Not Covered |
| Modern Treatment | Covered | Not Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 99.06 | 94.4 |
| Solvency Ratio | 2.21 | 3.03 |
|
Star Health Insurance Plan Detailed Review Niva Bupa Health Insurance Plan Detailed Review |
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