About Star Health Insurance Family Health Optima:
Star Health Optima Plan is a super saver plan, which provides coverage for the entire family members at reasonable costs, including spouse, and dependent kids between 16 days and 25 years of age. People from 18 years to 65 years of age, who live in India, can buy this policy. Beyond the age of 65 years, the plan can be renewed for a lifetime. Health check-up is gifted for every claim free year under this policy. The plan brings 3 times automatic restoration of the sum insured by 100% for every complete exhaustion.
Further, the Star Health Optima offers wide coverage such as cover for hundreds of day-care procedures, pre-hospitalization and post-hospitalization, domiciliary hospitalization, donor expenses for organ transplantation, coverage for newborn baby cover from the 16th day, and so on. Policyholders can get the additional sum insured by spending a little more.
Family Health Optima Plan Details
| Features/Plan | Star Family Health Optima (3,4 lakh) | Star Family Health Optima (5, 10, 15, 20, 25 lakh) |
|---|---|---|
Restoration Benefit
|
Up to 300% of SI
|
Up to 300% of SI
|
No Claim Bonus
|
Up to 100% of SI
|
Up to 100% of SI
|
Room Rent
|
Up to Rs. 5000
|
Single standard A/C room
|
ICU Charges
|
Actual
|
Actual
|
Pre and Post Hospitalization
|
60 & 90 days
|
60 & 90 days
|
Day Care Procedure
|
All
|
All
|
Free Health Checkup
|
After every renewal
|
After every renewal
|
Organ Donor
|
Up to 10% of SI, maximum of Rs. 100000
|
Up to 10% of SI, maximum of Rs. 100000
|
AYUSH
|
Up to Rs. 10000
|
Up to Rs. 20000
|
Domiciliary Hospitalization
|
Covered
|
Covered
|
Ambulance Cover
|
Up to Rs. 750 per hospitalization and overall limit of Rs. 1500 per policy period
|
Up to Rs. 750 per hospitalization and overall limit of Rs. 1500 per policy period
|
Second Opinion
|
Yes
|
Yes
|
Emergency Medical Evacuation
|
Up to Rs. 5000
|
For sum insured 5, 10 and 15 lakh limited up to Rs. 7500
|
Co-Pay
|
20% co pay at age 60 & above
|
20% co-pay at age 60 & above
|
Initial Waiting Period
|
30 days
|
30 days
|
Specific Illness Waiting Period
|
2 years
|
2 years
|
Waiting Period of PED
|
4 years, 3 years for assisted reproductive treatment
|
4 Years, 3 years for assisted reproductive treatment
|
Special Feature
|
Restoration benefit up to 300%, recharge benefit up to Rs. 1 lakh, shared accommodation up to Rs. 1000
|
Restoration benefit up to 300%, recharge benefit up to Rs. 1 lakh, shared accommodation up to Rs. 1000
|
Key Inclusions and Exclusions of the Plan
What's Included
- In-patient hospitalization like room charges, nursing expenses, ICU, surgeon’s fee, etc.
- Domiciliary hospitalization (treatment at home) for a period exceeding three days
- All sorts of day care procedures are covered that take less than 24 hours
- Air ambulance charges up to 10% of the basic sum insured during the policy period
- Pre and post hospitalization expenses 60 days and 90 days respectivel
What's Not Included
- Injury or ailment caused due to warlike situations, invasion of enemy etc.
- Expenses arising due to self-inflicted injury or suicide attempt etc.
- Venereal disease and sexually transmitted diseases
- Dental treatments, unless required due to accidental injuries
- Vaccinations except for post-bite and other medical treatment
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