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

Renewability

Lifelong

*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

Pre-Hospitalization

Covered up to 60 days

Post-Hospitalization

Covered up to 90 days

Domiciliary Hospitalization

Covered

Daycare Treatment

All day care procedures covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

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

Ambulance

Covered up to 1.5K

Air Ambulance

Not available

Compassionate Travel

Not Covered

Global Coverage

Not available

Wellness Programmes

E-Consultation

Not available

Health Check-Up

Not available

Second Medical Opinion

Available

Vaccination

Not Covered

Limitations

Co-payment

20% of claim amount

Sub-limits

Applicable

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