Star Family Health Optima Plan
vs
Flexi Floater Group Mediclaim Policy
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 Star Family Health Optima Plan |
 Flexi Floater Group Mediclaim Policy |
| Premium Including GST | ||
| Product Type | Individual and Family Health Insurance | Group 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 | 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 | 3000 |
| 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 | Not 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 | 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 | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Applicable | Covered |
| Plan Entry Age | 18 to 65 Years | 18 to 60 Years |
| Plan Premium Entry Age and S/A | 25318 | N/A |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | - | - |
| Plan Sample Premium | - | N/A |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | upto 3 years | 1 Year |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Not Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Covered | Not Covered |
| Global Coverage | Not Covered | Covered |
| Claim Ratio | 65 | 90.73 |
| Solvency Ratio | 2.0 | 1.8 |
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 fulfil different healthcare needs of customers at affordable premiums. This plan by Star health insurance provides a wide coverage including in-patient hospitalization, pre and post-hospitalization, cover for daycare procedures, ambulance charges, and many more. Family Health Optima Insurance planalso allows its customers to maintain personal health records in an electronic format.
The list of coverage under this Family Health Optima Insurance Plandoesn't stop here, but it extends to several benefits as well such as annual health check-ups, auto recharge, no-claim bonus, coverage for modern treatment, and much more.All the features and benefits combined together make this plan one of the perfect health insurance plans for the family.
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