Star Family Health Optima Plan
vs
Family Medicare Policy
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 Star Family Health Optima Plan |
 Family Medicare Policy |
| Rating | 4.4 | 4.4 |
| Premium Including GST | ||
| Product Type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Not 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 | Not 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) |
- | - |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | 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 | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
| Vaccination (Cover againts any medical expenses occurred in Vaccinations for certain diseases) |
Not Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Applicable | Covered |
| Plan Uniqueness |
|
|
| Plan Short Widget Overview | - | - |
| Plan Entry Age | 18 to 65 Years | Minimum: 18 years Maximum: 65 years |
| Plan Premium Entry Age and S/A | 25318 | 4467 |
| Plan Waiting Period | 30 | 30 |
| Plan Renewability | Lifelong | NA |
| Plan Coverage | - | Individual/Family Floater |
| Plan Sample Premium | - | 4467 |
| Plan Brochure | Brochure URL | Brochure URL |
| Plan Conclusion | - | - |
| Policy Term | upto 3 years | 1 Year |
| ICU Charges | Covered | Covered |
| No Claim Bonus | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Covered |
| Ayush Treatment | Covered | Covered |
| IVF Treatment | Not Covered | Not Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not Covered | Not Covered |
| Second Medical Opinion | Covered | Not Covered |
| Air Ambulance | Covered | Not Covered |
| Compassionate Travel | Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
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