Network hospitals
14000+
Incurred claim ratio
65%
Sum insured
Up to 2 CR
No. of Plans
24
Solvency Ratio
2.0
Pan India Presence
850+
Network hospitals
14000+
Incurred claim ratio
65%
Sum insured
Up to 2 CR
No. of Plans
24
Solvency Ratio
2.0
Pan India Presence
850+
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 Health Insurance Plan Detailed Review
All about Star Health Insurance and Plans
To understand Star Optima Health Insurance in detail, take a look at the below table:
Adults:18 to 65 Years,Dependent Children:16 Days to 25 Years
Family Floater
1| 2 | 3 | 4 | 5 | 10 | 15 | 20 | 25 Lakhs
Not Required
30 Days
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.
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
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
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
AYUSH Treatment
Up to 10K
IVF Treatment
Not Covered
Modern Treatment
Covered up to the specified limits
Ambulance
Covered up to 1.5K
Air Ambulance
Not available
Compassionate Travel
Not Covered
Global Coverage
Not available
E-Consultation
Not available
Health Check-Up
Not available
Second Medical Opinion
Available
Vaccination
Not Covered
Co-payment
20% of claim amount
Sub-limits
Applicable
Coverage for SI:2 Lakhs
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
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
AYUSH Treatment
Up to 10K
IVF Treatment
Not Covered
Modern Treatment
Covered up to the specified limits
Ambulance
Covered up to 1.5K
Air Ambulance
Not available
Compassionate Travel
Not Covered
Global Coverage
Not available
E-Consultation
Not available
Health Check-Up
Not available
Second Medical Opinion
Available
Vaccination
Not Covered
Co-payment
20% of claim amount
Sub-limits
Applicable
Coverage for SI:3 Lakhs
Room Rent
Up to 5K 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
COVID-19 Treatment
Covered
Cataract
Covered up to 35K
No Claim Bonus
Available up to 100% of SI
Automatic Restoration
Available up to 100% of SI
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
AYUSH Treatment
Up to 10K
IVF Treatment
Not Covered
Modern Treatment
Covered up to the specified limits
Ambulance
Covered up to 1.5K
Air Ambulance
Not available
Compassionate Travel
Not Covered
Global Coverage
Not available
E-Consultation
Not available
Health Check-Up
Up to 750
Second Medical Opinion
Available
Vaccination
Not Covered
Co-payment
20% of claim amount
Sub-limits
Applicable
Coverage for SI:4 Lakhs
Room Rent
Up to 5K 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
COVID-19 Treatment
Covered
Cataract
Covered up to 45K
No Claim Bonus
Available up to 100% of SI
Automatic Restoration
Available up to 100% of SI
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
AYUSH Treatment
Up to 10K
IVF Treatment
Not Covered
Modern Treatment
Covered up to the specified limits
Ambulance
Covered up to 1.5K
Air Ambulance
Not available
Compassionate Travel
Not Covered
Global Coverage
Not available
E-Consultation
Not available
Health Check-Up
Up to 1K
Second Medical Opinion
Available
Vaccination
Not Covered
Co-payment
20% of claim amount
Sub-limits
Applicable
Coverage for SI:5 Lakhs
Room Rent
Single Standard A/C Room
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
COVID-19 Treatment
Covered
Cataract
Covered up to 60K
No Claim Bonus
Available up to 100% of SI
Automatic Restoration
Available up to 100% of SI
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
AYUSH Treatment
Up to 15K
IVF Treatment
Covered up to 1 Lakh
Modern Treatment
Covered up to the specified limits
Ambulance
Covered up to 1.5K
Air Ambulance
Covered up to 10% of SI
Compassionate Travel
Not Covered
Global Coverage
Not available
E-Consultation
Not available
Health Check-Up
Up to 1.5K
Second Medical Opinion
Available
Vaccination
Not Covered
Co-payment
20% of claim amount
Sub-limits
Applicable
Coverage for SI:10 Lakhs
Room Rent
Single Standard A/C Room
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
COVID-19 Treatment
Covered
Cataract
Covered up to 75K
No Claim Bonus
Available up to 100% of SI
Automatic Restoration
Available up to 100% of SI
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
AYUSH Treatment
Up to 15K
IVF Treatment
Covered up to 2 Lakh
Modern Treatment
Covered up to the specified limits
Ambulance
Covered up to 1.5K
Air Ambulance
Covered up to 10% of SI
Compassionate Travel
Not Covered
Global Coverage
Not available
E-Consultation
Not available
Health Check-Up
Up to 2K
Second Medical Opinion
Available
Vaccination
Not Covered
Co-payment
20% of claim amount
Sub-limits
Applicable
Coverage for SI:15 Lakhs
Room Rent
Single Standard A/C Room
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
COVID-19 Treatment
Covered
Cataract
Covered up to 75K
No Claim Bonus
Available up to 100% of SI
Automatic Restoration
Available up to 100% of SI
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
AYUSH Treatment
Up to 15K
IVF Treatment
Covered up to 2 Lakh
Modern Treatment
Covered up to the specified limits
Ambulance
Covered up to 1.5K
Air Ambulance
Covered up to 10% of SI
Compassionate Travel
Covered up to 5K
Global Coverage
Not available
E-Consultation
Not available
Health Check-Up
Up to 2.5K
Second Medical Opinion
Available
Vaccination
Not Covered
Co-payment
20% of claim amount
Sub-limits
Applicable
Coverage for SI:20 Lakhs
Room Rent
Single Standard A/C Room
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
COVID-19 Treatment
Covered
Cataract
Covered up to 75K
No Claim Bonus
Available up to 100% of SI
Automatic Restoration
Available up to 100% of SI
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
AYUSH Treatment
Up to 20K
IVF Treatment
Covered up to 2 Lakh
Modern Treatment
Covered up to the specified limits
Ambulance
Covered up to 1.5K
Air Ambulance
Covered up to 10% of SI
Compassionate Travel
Covered up to 5K
Global Coverage
Not available
E-Consultation
Not available
Health Check-Up
Up to 3K
Second Medical Opinion
Available
Vaccination
Not Covered
Co-payment
20% of claim amount
Sub-limits
Applicable
Coverage for SI:25 Lakhs
Room Rent
Single Standard A/C Room
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
COVID-19 Treatment
Covered
Cataract
Covered up to 75K
No Claim Bonus
Available up to 100% of SI
Automatic Restoration
Available up to 100% of SI
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
AYUSH Treatment
Up to 20K
IVF Treatment
Covered up to 2 Lakh
Modern Treatment
Covered up to the specified limits
Ambulance
Covered up to 1.5K
Air Ambulance
Covered up to 10% of SI
Compassionate Travel
Covered up to 5K
Global Coverage
Not available
E-Consultation
Not available
Health Check-Up
Up to 3.5K
Second Medical Opinion
Available
Vaccination
Not Covered
Co-payment
20% of claim amount
Sub-limits
Applicable
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:
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 |
2L | |
3L | Up to 5K per day |
4L | |
5L | Single Standard A/C Room |
10L | |
15L | |
20L | |
25L |
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.
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.
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.
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.
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.
The cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under Star Family Health Optima?
Not Covered
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.
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 | |
2L | ||
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 |
15L | ||
20L | ||
25L |
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.
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.
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under Star Family Health Optima?
Not Covered
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.
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under Star Family Health Optima?
Not Covered
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:
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.
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 |
2L | |
3L | |
4L | |
5L | Up to 15K |
10L | |
15L | |
20L | Up to 20K |
25L |
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
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 |
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 |
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
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.
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.
Any kind of medical/health emergency when you are outside of India.
Coverage status under Star Family Health Optima?
Not available
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
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 |
2L | |
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 |
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?
Available
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Star Family Health Optima?
Not available
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.
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 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:
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.
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.
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.
Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
There is a list of certain conditions that Star Optima Health Insurance doesn't cover. A few of them are listed below-
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,
AIDS,
Miscarriage, and abortion,
Congenital disease,
Infertility and in vitro fertilization,
Hospitalization out of war, riot, strike, and nuclear weapons.
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
For a better understanding of how much premium you need to pay under the Star Health Optima Insurance, we at PolicyX.com have calculated the premium amount for different sum insured options based on different family sizes. Refer to the table below:
Sum Insured (Rs.) | 5L | 10L | 15L | 20L | 25L |
Premium Payable | 13,158 | 16,443 | 19,405 | 21,729 | 23,906 |
Sum Insured (Rs.) | 5L | 10L | 15L | 20L | 25L |
Premium Payable | 16,178 | 20,226 | 23,865 | 26,733 | 29,406 |
Sum Insured (Rs.) | 5L | 10L | 15L | 20L | 25L |
Premium Payable | 19,205 | 24,007 | 28,332 | 31,730 | 34,904 |
To cater to the different medical needs of an individual & their family, Star Health offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to explore more:
Comprehensive
This policy is designed to provide complete protection against all health care eventualities to you and your family.
Unique Features
Youth-specific
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
Standard
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
Comprehensive
A uniquely designed insurance policy that covers organ donor expenses up to sum insured, AYUSH treatments, modern treatments, and many more.
Unique Features
Flexible
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
Individual Plan
A unique health plan for individuals above the age of 50 years with no upper age entry limit. The plan comes with a high SI.
Unique Features
Women Care
A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.
Unique Features
Senior Citizen
The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement.
Unique Features
Top-up
The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.
Unique Features
Critical Illness
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
Care Policy
A unique plan designed for cardiac care with a wide range of sum-insured options and flexible payment options
Unique Features
Affordable Plan
It is designed to care for your incidental expenses such as travel, food, etc. that are not covered under your Health Insurance Policy in the event of Hospitalization.
Unique Features
Cardiac
Star Cardiac Care is ideal for those individuals who want to cover the expenses of cardiac & non-cardiac ailments.
Unique Features
Cancer care
Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)
Unique Features
Autism Spectrum Disorder
Star Special Care provides coverage to children (3 years to 25 years) who are diagnosed with Autism Spectrum Disorder.
Unique Features
Individual Plan
An individual and floater basis rural plan with SI of 1 lakh and 2 lakh respectively. Comes with installment on premiums and lifelong renewal.
Unique Features
Individual Plan
An OPD coverage policy with an individual and family floater option and 4 SI variants. Comes with 3 plan variants: Silver, Gold and Platinum.
Unique Features
Individual Plan
An accidental coverage policy for individuals and families and comes with high sum insured. The policy gives cumulative bonus and multiple discounts.
Unique Features
Individual Plan
Special Care Gold is a special product tailored specifically for individuals with disabilities and those who are HIV/AIDS positive.
Unique Features
COVID-19
This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19.
Unique Features
COVID-19
It covers the cost of hospitalization if the policyholder tested positive for COVID-19.
Unique Features
COVID-19
This policy offers 100% sum insured to the policyholder if he/she tested positive for COVID-19.
Unique Features
Accident Plan
A new-age plan with loaded benefits covering hospitalization expenses arising due to illness or accident.
Unique Features
Individual Plan
A specified plan for Type 1 or Type 2 Diabetes with flexible plan options. Offers automatic sum restoration with accident cover.
Unique Features
Platinum Plan
A cancer oriented policy which offers all-round protection and covers the high medical bills of the disease.
Unique Features
Critical Plan
A critical illness policy providing lump sum benefit on diagnosis of Critical illnesses related to Cancer, Heart, Brain & Nervous System, and Major Organs.
Unique Features
Critical Plan
A truly smart health plan launched by Star Health Insurance offering tailored healthcare solutions with a high sum insured of up to INR 1 crore.
Unique Features
Protection Plan
Star Extra Protect is an add-on Cover that enhances the limits of existing covers in addition to offering new features to the base policy
Unique Features
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 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 |
2L | |
3L | 800 |
4L | |
5L | |
10L | |
15L | |
20L | 1,0000 |
25L |
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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