Star Family Health Optima
  • Get coverage for the whole family
  • Additional Sum Insured for Road Traffic Accident
  • Coverage for Compassionate Travel
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Star Family Health Optima

A supersaver policy covering every family member.

Star Family Health Optimais 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 thisFamily 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.

Star Family Health Optima Plan Specifications

To understand Star Optima Health Insurance in detail, take a look at the below table:

Entry Age

Adults:18 to 65 Years,Dependent Children:16 Days to 25 Years

Policy Type

Family Floater

Sum Insured

1| 2 | 3 | 4 | 5 | 10 | 15 | 20 | 25 Lakhs

Pre-Acceptance Medical Check-up

Not Required

Initial Waiting Period*

30 Days



*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

Choose Your Star Family Health Optima Plan

With wide coverage options available, Family Health Optima Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

Coverage for SI:1 Lakh

In-patient & Out-patient coverage

Room Rent

Up to 2K per day

ICU Charges



Covered up to 60 days


Covered up to 90 days

Domiciliary Hospitalization


Daycare Treatment

All day care procedures covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment



Covered up to 12K

No Claim Bonus

Available up to 100% of SI

Automatic Restoration

Not Available

Daily Hospital Cash

Not available

Organ Donor

Covered up to 10% of SI

Maternity Cover

Not Covered

New Born Baby Cover

Available up to 10% of SI

Alternative Treatments

AYUSH Treatment

Up to 10K

IVF Treatment

Not Covered

Modern Treatment

Covered up to the specified limits

Emergency Coverage


Covered up to 1.5K

Air Ambulance

Not available

Compassionate Travel

Not Covered

Global Coverage

Not available

Wellness Programmes


Not available

Health Check-Up

Not available

Second Medical Opinion



Not Covered



20% of claim amount



What is Room Rent?

Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under Star Family Health Optima?

Under this plan, the policyholder can select the room as per the below-mentioned limits:

Sum Insured (Rs.) Limits (Rs.)
1L Up to 2K per day
3L Up to 5K per day
5L Single Standard A/C Room
What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Star Family Health Optima?

The plan covers ICU charges.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Star Family Health Optima?

This plan covers medical expenses incurred during pre-hospitalization for up to 60 days.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Star Family Health Optima?

This plan covers medical expenses incurred during post-hospitalization for up to 90 days.

What is Domiciliary Hospitalization?

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.

Coverage status under Star Family Health Optima?

Under this plan, the domiciliary hospitalization that exceeds 3 days is covered.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Star Family Health Optima?

This plan covers expenses of day care procedures.

What are OPD charges?

The cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under Star Family Health Optima?

Not Covered

What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under Star Family Health Optima?

COVID-19 treatment cover is available under this plan.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under Star Family Health Optima?

Under this plan, the expenses for Cataract are covered as per the below mentioned limits:

Sum Insured (Rs.) Limits per eye (Rs.) Limit per policy period (in Rs.)
1L Up to 12K per eye, per policy period
3L Up to 25K Up to 35K
4L Up to 30K Up to 45K
5L Up to 40K Up to 60K
10L Up to 50K Up to 75K
What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under Star Family Health Optima?

A bonus of 25% of the expiring basic sum insured in the second year and an additional 10% for subsequent years (maximum 100%) are allowed for every claim-free year.

What is Automatic Restoration?

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under Star Family Health Optima?

Under this plan, this benefit is available 3 times at 100% (each time) during the policy tenure. Each restoration will start only after the exhaustion of the earlier one. This is only applicable if you choose the sum insured of Rs.3 lakhs and above.

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under Star Family Health Optima?

Not Covered

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Star Family Health Optima?

The plan offers Organ Donor coverage up to 10% of the sum insured or Rs.1 lakh, whichever is less.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under Star Family Health Optima?

Not Covered

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under Star Family Health Optima?

Under Star Health Family Optima, the child is covered from the 16th day after birth and subject to a limit of 10% of SI or Rs. 50,000, whichever is less. For this, the mother should be covered under the policy for a continuous period of 12 months.

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under Star Family Health Optima?

It is covered under this plan up to the below-mentioned limits:

Sum Insured (Rs.) Limit per policy period (in Rs.)
1L Up to 10K
5L Up to 15K
20L Up to 20K
What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Star Family Health Optima?

IVF Treatment under this plan is covered as per the details mentioned in the table below:

SI Options 1L 2L 3L 4L 5L 10L 15L 20L 25L
IVF Treatment Not covered Not covered Not covered Not covered Covered up to 1 Lakh Covered up to 2 Lakhs Covered up to 2 Lakhs Covered up to 2 Lakhs Covered up to 2 Lakhs
What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under Star Family Health Optima?

Modern treatments under this plan are covered but subject to sub limits mentioned in the table below:

SI (in Rs.) 1 L 2 L 3 L 4 L 5 L 10 L 15 L 20L 25L
Uterine Artery Embolization and HIFU 12.5K 25K 37.5K 1L 1.25L 1.5L 1.75L 2L 2L
Balloon Sinuplasty 5K 10K 15K 40K 50K 1L 1.25L 1.5L 1.5L
Deep Brain Stimulation 25K 50K 75K 2 L 2.5L 3L 4L 4.5L 5L
Oral Chemotherapy 12.5K 25K 37.5K 1 L 1.25L 2L 2.5L 2.75L 3L
Immunotherapy 25K 50K 75K 2L 2.5L 4L 5L 5.5L 6L
Intra Vitreal injections 5K 10K 15K 40K 50K 75K 1L 1.25L 1.5L
Robotic surgeries 25K 50K 75K 2L 2.5L 3L 4L 4.5L 5L
Stereotactic Radio Surgeries 25K 50K 75K 1.75L 2L 2.25L 2.50L 2.75L 3L
Bronchial Thermoplasty Up to Sum Insured
Vaporization of the prostate (Green laser/Holmium laser)
Intra Operative Neuro Monitoring
Stem Cell Therapy 25K 50K 75K 2L 2.5L 3L 4L 4.5L 5L
What is an Ambulance Cover?

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under Star Family Health Optima?

This plan covers Ambulance charges up to Rs.750/- per hospitalization and an overall limit of Rs.1.5K per policy period

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Star Family Health Optima?

The plan offers coverage of up to 10% of the Sum Insured, available for SI 5 L & above.

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under Star Family Health Optima?

The plan will reimburse the air transportation expenses of up to 5K for one immediate family member, other than travel companion. This benefit is available only for SI amounts of 10 Lakhs and above.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under Star Family Health Optima?

Not available

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Star Family Health Optima?

Not available

What is a Health Checkup?

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under Star Family Health Optima?

The policy covers health check-up expenses as per the selected Sum Insured.

Sum Insured (Rs.) Limit per policy period (in Rs.)
1L Not Available
3L Up to 750
4L Up to 1K
5L Up to 1.5K
10L Up to 2K
15L Up to 2.5K
20L Up to 3K
25L Up to 3.5K
What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.

Coverage status under Star Family Health Optima?


What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Star Family Health Optima?

Not available

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Coverage status under Star Family Health Optima?

20% of co-payment on every claim amount applies to people above 60.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Coverage status under Star Family Health Optima?

Sub-limits under this plan apply to modern treatments, various surgeries, etc.

Star Health Insurance Network Hospital List

Star Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Star Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Along with the coverage mentioned above, the Star Health Insurance Optima Plan addresses several health insurance needs. The major advantages you can enjoy on purchasing Star Health insurance Family Health Optima are:

Emergency Domestic Medical Evacuation

The plan will reimburse the amount (up to the policy limits) incurred against the transportation of the insured person from the treating hospital to another hospital for further treatment.

Treatment in Valuable Service Providers

If the insured undergoes treatment in one of the suggested network hospitals of the company, 1% of basic SI (up to 5K) is paid in lump-sum per policy year. This is only applicable if you choose the sum insured of Rs.3 lakhs and above.

Additional Sum Insured for RTA

In case a policyholder meets with a Road Traffic Accident and has to get hospitalized, then in such cases, the Basic sum insured will increase by 25% subject to a maximum of 5 Lakhs.

Tax Benefits

Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

Star Family Health Optima Plan Exclusions

There is a list of certain conditions that Star Optima Health Insurance doesn't cover. A few of them are listed below-

Permanent Exclusions

Permanent diseases or health conditions that are not included under Star Health Family Health Optima are:

Intentional self-injury,

Mental illness,

Cosmetic & aesthetic treatment,

Dental surgery,


Miscarriage, and abortion,

Congenital disease,

Infertility and in vitro fertilization,

Hospitalization out of war, riot, strike, and nuclear weapons.

Coverage after Waiting Period

Certain diseases and treatments are covered under Family Health Optima insurance plan after a certain time period. Read the details below:

Listed ailments after 24 Months

Pre-existing diseases after 48 Months

Star Family Health Optima Sample Premium

For a better understanding of how much premium you need to pay under the Star Health Optima Insurance, we at have calculated the premium amount for different sum insured options based on different family sizes. Refer to the table below:

For 2 Adults

Sum Insured (Rs.) 5L 10L 15L 20L 25L
Premium Payable 13,158 16,443 19,405 21,729 23,906

For 2A+1C

Sum Insured (Rs.) 5L 10L 15L 20L 25L
Premium Payable 16,178 20,226 23,865 26,733 29,406

For 2A+2C

Sum Insured (Rs.) 5L 10L 15L 20L 25L
Premium Payable 19,205 24,007 28,332 31,730 34,904

Explore Star Health Insurance

We at stand with you at every policy-related event. Be it buying a new Star Health Optima Insurance policy or making a claim for it, we are always there with you.

Claim Process

Click to know Star Health Insurance Claim Process.

Buying Process

Click to know Star Health Insurance Buying Process.

Contact Us

Feel free to contact Star Health Insurance for more details.

Renewal Process

Click to know Star Health Insurance Renewal Process.

Explore other Star Health Plans

With a wide range of Health Plans,Star Health Insurance companyensures to cater to every healthcare need of its customers. At present, the company offers more than 20 health plans that are designed to fulfill each and every medical need of the policyholder.

A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.

Unique Features

  • Coverage for Modern Treatments
  • Coverage during Pregnancy
  • Preventive Health Check Up

Star Cardiac Care is ideal for those individuals who want to cover the expenses of cardiac & non-cardiac ailments.

Unique Features

  • Accidents and non-cardiac ailments
  • Day care procedure
  • No pre-acceptance Medical test

This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19.

Unique Features

  • No pre-medical Test
  • Only 16 days of Waiting Period
  • Low premium amount

This policy is designed to provide complete protection against all health care eventualities to you and your family.

Unique Features

  • Health Checkup for Claim-Free Years.
  • Hospital Cash Benefit
  • 100% Automatic Restoration

The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement.

Unique Features

  • Guaranteed Lifelong renewals
  • No Pre-acceptance Medical test
  • Availability of Instalment Facility

The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.

Unique Features

  • All Daycare procedure
  • Pre and Post Hospitalization
  • Organ Donor Expense

Created for young individuals under 40 years of age. It also offers various benefits such as discounts on renewals, incentive-led wellness programs, lowest waiting periods.

Unique Features

  • No-claim bonus
  • Hospital daily cash
  • Automatic restoration of SI

A standard health plan mandated by IRDAI that covers all essential healthcare benefits including Ayush treatment, day care procedures, etc. for individuals and families.

Unique Features

  • Room rent up to 5K/day
  • Modern treatments covered up to 50% of SI
  • 20% rural discount available

Star Cancer Care Gold (Pilot Product)

Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)

Unique Features

  • Pre-hospitalization (30 days)
  • All daycare procedure
  • Nursing Expense

Corona Kavach Policy

It covers the cost of hospitalization if the policyholder tested positive for COVID-19.

Unique Features

  • AYUSH Treatments
  • Home Care Treatment
  • No pre-medical screening test

Corona Rakshak Policy

This policy offers 100% sum insured to the policyholder if he/she tested positive for COVID-19.

Unique Features

  • No pre-medical screening test
  • Sum insured: INR 50K to 2.5Lakhs
  • Only 15 days Waiting Period

Star Criticare Plus Insurance Policy

Provides reimbursement of hospitalization expenses and also provides a total amount of sum insured if the insured person is diagnosed with a major illness.

Unique Features

  • Modern Treatment Covered
  • Non-allopathic Treatment
  • Coverage for Medicine and drugs cost

Star Diabetes Safe Insurance Policy

Designed specifically for diabetic persons. Hospitalization related to diabetes and non-diabetic problems is covered under this plan.

Unique Features

  • 30 days waiting period
  • Automatic restoration of Sum Insured
  • Outpatient Expenses

Provides flexibility in terms of choosing the Sum Insured amount, premium amount, family size. It can be a perfect tax saver for you.

Unique Features

  • All Daycare procedures
  • Coverage for Modern Treatment
  • Outpatient Expense

A uniquely designed insurance policy that covers organ donor expenses up to sum insured, AYUSH treatments, modern treatments, and many more.

Unique Features

  • All Daycare procedures
  • Automatic Restoration
  • Domiciliary hospitalization

Star Special Care Policy

Star Special Care provides coverage to children (3 years to 25 years) who are diagnosed with Autism Spectrum Disorder.

Unique Features

  • No Pre-medical test
  • Nursing Expense
  • Emergency Ambulance Charges

Health Insurance Articles

Star Family Health Optima: FAQs

1. How many times can I make a claim under my Star Health Optima Plan?

You can make any number of claims until your sum insured is not exhausted.

2. Can I change the sum insured during Star Family Health Optima Plan insurance tenure?

Yes you can change the sum insured during Star Family Health Optima insurance tenure, but only at the time of renewals. However, changing your sum insured may affect your coverage and benefits.

3. What is a Pre-acceptance medical checkup? Is it required before buying a Family Health Optima Insurance Plan?

Pre-acceptance Medical examination refers to the medical check-up requested by health insurers before providing coverage to a person. This minimizes their risk in covering a person.

Under Star Health Optima, a person above 50 years and those with adverse medical conditions are required to undergo a pre-acceptance medical checkup.

4. What is a Road Traffic Accident (RTA) Benefit in Star Health Family Optima?

Under Star Family Optima plan, the policyholder will get the benefit of 25% increase in the Sum Insured subject to a maximum of 10 Lakhs in case insured person meets with a Road Traffic Accident resulting in in-patient hospitalization.

5. What is Repatriation of Mortal Remains Benefit? Does Family Health Optima cover repatriation of mortal remains?

Repatriation of remains is a benefit that provides coverage for the transportation of the covered individual's bodily remains back to his/her residing place, in the event of a covered illness or injury that results in death.

Star Health Insurance Family Health Optima will reimburse up to Rs.5,000 per policy period towards the cost of repatriation of mortal remains of the insured person.

6. Does Star Health Optima Policy allow flexibility in choosing the room accommodation?

Yes, Star Health Optima offers the feature of Shared Accomodation, wherein the company will pay you for each continuous and completed period of 24 hours of stay. The amount payable is as follows:

Sum Insured (Rs.) Limit per day (in Rs.)
1L Not Available
3L 800
20L 1,0000

7. Does Star Health Family Optima Plan cover reproductive treatments? If yes, then up to what limits?

Yes, expenses incurred on Assisted Reproduction Treatments in case of sub-fertility will be reimbursed by Star Optima Star Health Insurance. The maximum coverage provided by the plan for such treatments will be up to 2 L, depending on the SI you choose.

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