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Star Family Health Optima Plan 2024
Star Health Insurance
Star Family Health Optima
Comprehensive health insurance covers road traffic accidents and assis ...Read More
Up to 1 Cr
Sum insured
1
No. of plans
850+
Pan India presence
99.06%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,761 reviews
🏥 14,000+ hospitals
📊 2.21 solvency ratio
✅ 99.06% claim settlement
About Star Family Health Optima
A quick read on what this Star Health Insurance plan covers and why it might be a fit for you.
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 at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 to 65 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹1 L, ₹2 L, ₹3 L, ₹4 L, ₹5 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L
Waiting period
30 days
Renewability
Lifelong
Policy term
upto 3 years
*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.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- No Pre-Policy Check-up
- Lifelong Renewability
- High SI available
- COVID-19 cover
- OPD covered
Cons
- PED cover not available
- Obesity Treatment Unavailable
- Hazardous Activities
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Covered
- Day-care treatment Covered
- OPD charges Covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Covered
- Daily hospital cash Not covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Covered
- E-consultation Not covered
- Health check-up Covered
- Second medical opinion Covered
- Vaccination Not covered
Conditions & global
- Co-payment Applicable
- Sub-limits Applicable
- Compassionate travel Covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
All about Star Health Insurance and Plans
Star Health Insurance Plan Detailed Review
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.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Intentional self-injury
- Mental illness
- Cosmetic & aesthetic treatment
- Dental surgery
- AIDS
- Miscarriage and abortion
- Congenital disease
- Infertility and in vitro fertilization
- Hospitalization due to war, riot, strike, and nuclear weapons
- Listed ailments after 24 Months
- Pre-existing diseases after 48 Months
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry Age: - 18 Years
- Max Entry Age: - 65 Years
- SI: - 1 L to 25 L
- Waiting Period: - 30 Days
Other features & benefits
- Long term discounts
- Premium Payment flexibility
- Health Check-up Cover
- Domiciliary Hospitalization
- Modern Treatment Cover
Star Family Health Optima: FAQs
The 7 most-asked questions about Star Family Health Optima, answered.
You can make any number of claims until your sum insured is not exhausted.
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.
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.
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.
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.
Yes, Star Health Optima offers the feature of Shared Accommodation, wherein the company will pay you for each continuous and completed period of 24 hours of stay. The amount payable is up to INR 800 and 1,000 per day only for SI 3 Lakhs and upwards
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.
Explore Star Health Insurance
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