What is family health optima?

The Family Health Optima Insurance Plan option is a family floater option that covers the self, spouse, dependent children from 16 days to 25 years, parents, and parents-in-law. The sum insured ranges from INR 5 lakh to INR 25 lakh….

What is the grace period for Star Health family health Optima?

The grace period of 30 days is given after the expiry date of the policy. Guarantee lifelong renewals beyond the age of 65.

What are the features of the family health optima insurance plan?

The Family Health Optima Insurance Plan provides comprehensive coverage for families with features such as pre- and post-hospitalisation expenses, daycare procedures, ambulance charges, and AYUSH treatment. You can go through the family health optima insurance plan brochure to know more about the plan.

Family Health Optima Insurance Plan

Name: Health Insurance India
Brand: Star Health and Allied Insurance
SKU: Health Insurance
Rating: 4.9 (2801 reviews)

The Family Health Optima Insurance Plan by Star Health is a comprehensive health insurance solution designed to protect your entire family under a single sum insured. This family health optima plan offers extensive coverage, including hospitalisation, pre- and post-hospitalisation expenses, and daycare procedures. The Family Health Optima Policy benefits also include coverage for newborns, emergency ambulance services, and health checkups. With its wide-ranging benefits and affordable premiums, this plan is ideal for families seeking robust health protection. Choose the Family Health Optima to secure your family's health and well-being with confidence and peace of mind.

Contact any of our branches for purchasing this product

IRDAI UIN: SHAHLIP26046V092526

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Plan Essentials

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HIGHLIGHTS

Plan Essentials

Affordable Premium

This policy covers family members including self, spouse, up to 3 dependent children, parents and parents-in-law at an affordable premium.

Preventive Health Check-up

We will arrange for a Preventive Health Check-up at Our Network Providers for the applicable package as per opted Sum Insured. For the updated and applicable list of tests available under such package, Insured Persons are required to check our website www.starhealth.in.

Organ Donor Expenses

Expenses for organ transplantation where the insured person is the recipient are payable provided the claim for transplantation is payable.

Automatic Restoration of Sum Insured

On exhaustion of the limit of coverage during the policy period, 100% of the Sum Insured will be restored 3 times in the same policy year.

Recharge Benefit

On exhaustion of the limit of coverage, an additional indemnity is provided which can be utilised even for the same hospitalisation or for the treatment of disease / illness / injury for which claim was paid / payable under the policy.

Assisted Reproduction Treatment

Expenses incurred for proven Assisted Reproduction Treatments as listed in the policy clause are covered up to the specified limits.

Hospitalisation expenses for the treatment of New Born Baby

Cover starts from 16th day after birth and subject to a limit of 10% of the Sum Insured or Rupees Fifty Thousand, whichever is less, provided the mother is insured under the policy for a continuous period of 12 months without break.

Policy Term

Policy can be taken for 1 year or 2 years.

Wellness

Wellness Reward programme

Home Care Treatment

Expenses incurred for home care treatment for specified conditions are covered up to 10% of the Sum Insured in a policy year. The insured person can avail this service on a cashless basis.

DETAILED LIST

Understand what’s included


Policy Type This policy provides benefits only on a Floater basis.
Entry Age Any person aged between 18 and 65 years can avail this policy. Dependent children are covered from the 16th day onwards up to 25 years.
Family Size This policy provides wide coverage to family members including self, spouse, dependent children (maximum 3), parents and parents-in-law.
In-Patient Hospitalisation Hospitalisation expenses incurred for a period of more than 24 hours on account of  illness, injury or accidents are covered.
Pre-Hospitalisation In addition to in-patient hospitalisation, the medical expenses incurred up to 60 days before the date of admission to the hospital are also covered.
Post-Hospitalisation Post-hospitalisation medical expenses up to 90 days from the date of discharge from the hospital are covered.
Shared Accommodation Expenses incurred on occupying a shared accommodation by the insured person are covered up to the limits mentioned in the policy clause.
Road Ambulance Ambulance charges for the transportation of insured person by private ambulance are covered up to Rs. 750/- per hospitalisation and Rs. 1500/- per policy period.
Air Ambulance Air ambulance expenses are covered up to 10% of the Sum Insured for the entire policy period.
Automatic Restoration of Sum Insured Upon exhaustion of the limit of coverage during the policy period, 100% of the Sum Insured will be restored 3 times in the same policy year.
Loyalty Bonus For the Sum Insured options Rs.3,00,000/- and above, the insured would be entitled to benefit of Loyalty Bonus of 10% of the expiring Sum Insured subject to a maximum Loyalty Bonus of 100% of the sum insured. The Loyalty Bonus will be calculated on the expiring sum insured or on the renewed sum insured whichever is less. If the insured opts to reduce the sum insured at the subsequent renewal, the limit of indemnity by way of such Loyalty Bonus shall not exceed such reduced sum insured. Loyalty Bonus shall be available irrespective of a claim and only upon timely renewal without break or upon renewal within the grace period allowed.
Additional Sum Insured for Road Traffic Accident (RTA) If the insured person meets with a Road Traffic Accident resulting in an in-patient hospitalisation, then the Sum Insured shall be increased by 25% subject to a maximum of Rs.5,00,000/-.
Assisted Reproduction Treatment The Company will reimburse medical expenses incurred on Assisted Reproduction Treatment, where indicated, for sub-fertility 1. Waiting period of 36 months from the date of first inception of this policy is applicable. 2. Maximum liability of the Company for such treatment shall be limited to Rs.1 lakh for sum insured of Rs.5 lakh and Rs.2 lakhs for sum insured of Rs.10 lakhs and above for every block of 36 months.
Hospitalisation Expenses for Treatment of New Born Baby Cover starts from 16th day after birth and subject to a limit of 10% of the Sum Insured or Rupees Fifty Thousand, whichever is less, provided the mother is insured under the policy for a continuous period of 12 months without break. Note : Exclusions No.1(Code Excl 01), Exclusion No.2(Code Excl 02), Exclusion No.3(Code Excl 03) and the above sublimit will not apply for treatment related to Congenital Internal disease/defects for the new born.
AYUSH Treatment Expenses incurred for the treatment under Ayurveda, Unani, Siddha and Homeopathy systems of medicines in AYUSH hospitals are covered upto the Sum Insured.
Emergency Domestic Medical Evacuation Expenses incurred towards the transportation of the insured person from the treating hospital to another hospital for treatment are covered as per the limits mentioned in the policy clause.
Compassionate Travel The air transportation expenses incurred up to Rs. 5000/- are payable for an immediate family member to travel to the hospital in case of hospitalisation of the insured person for life-threatening emergency times, at the place away from insured’s usual place of residence.
Second Medical Opinion The Insured person can avail a Second Medical Opinion from a Doctor in the Company's network of medical practitioners.
Modern Treatment Modern treatment expenses are payable up to the limits mentioned in the policy clause.
Recharge Benefit Available up to the limits.
Day Care Procedures Medical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered.
Domiciliary Hospitalisation Expenses incurred for domiciliary hospitalisation, including AYUSH on the advice of a medical practitioner for a period exceeding three days are covered.
Organ Donor Expenses Expenses incurred for organ transplantation are covered up to a limit of 10% of the Sum Insured subject to the maximum of Rs. 1,00,000/- whichever is less.
Repatriation of Mortal Remains The expenses incurred for the repatriation of mortal remains of the insured person are covered up to Rs. 5,000/- per policy period.
Cataract Treatment Expenses incurred for Cataract treatment are covered up to the limits mentioned in the policy clause.
Treatment in Valuable Service Providers If the treatment is undergone in a hospital suggested by the Company, then a lump-sum of 1% of the Sum Insured subject to a maximum of Rs. 5,000/- per policy period is payable.
Preventive Health Check-up We will arrange for a Preventive Health Check-up at Our Network Providers for the applicable package as per opted Sum Insured. For the updated and applicable list of tests available under such package,Insured Persons are required to check our website www.starhealth.in.
Mandatory Co-payment This policy is subjected to co-payment of 20% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 year and above.
Instalment Options Premium can be paid Monthly, Quarterly and Half Yearly. Note: If Instalment Facility is opted for 2 year term policies, the full premium applicable for 2 year terms should be paid in monthly, quarterly or half yearly within the expiry of the first year.
Option to choose Voluntary Co-payment If the insured person chooses voluntary co-payment, the Company will provide a discount on premium as specified in the Policy Clause
Unlimited Tele-Consultation Insured can avail unlimited number of Tele-consultations on Star Health mobile application or digital platforms.
AI driven Face Scan The Insured Person can avail, AI-driven face scan facility by using STAR Health mobile app to know the vital parameters such as heart rate, oxygen saturation, respiration rate up to two times per month per Insured Person in a Policy Year.
E-Domestic Second Medical Opinion The Insured person can avail a Second Medical Opinion from a Doctor in the Company's network of medical practitioners.

Please refer to the Policy Documents to know the policy details and Terms & Conditions.

Star Wellness Program

This program intends to promote, incentivize and to reward the Insured Persons' healthy life style through various wellness activities. The wellness activities as mentioned below are designed to help the Insured Person to earn wellness reward points which will be tracked and monitored by the Company. The wellness points earned by the Insured Person(s) under the wellness program, can be utilized to get discount in premium during the renewal.

This Wellness Program is enabled and administered online through “Star Health” Mobile App.

Note: The Wellness Activities mentioned in the table below (from Serial Number 1 to 6) are applicable for the Insured Person(s) aged 18 years and above only. The following table shows the discount on premium available under the Wellness Program;

Wellness Points Earned	Discount in Premium
200 to 350	4%
351 to 600	10%
601 to 750	14%
751 and above	20%

The weightage is given as per the following table;

Family Size	Weightage
Self, Spouse**	1:1
Self, Spouse** and Dependent Children (up to 17 years)	1:1:0:0:0
Self, Spouse** and Dependent Children (18 years and above)	2:2:1:1:1
**Spouse / Live-in Partner / Same Sex Partner

Note: In case of two-year policy, total number of wellness points earned in two-year period will be divided by two.

Please refer the Illustrations to understand the calculation of discount in premium, weightage and the calculation.

The wellness services and activities are categorized as below:

Sr. No.	Activity	Maximum number of Wellness Points that can be earned under each activity in a Policy Year
1.	Sign up points for Enrolling to Wellness Program	100
2.	Manage and Track Health
	a. Online Health Risk Assessment (HRA)	150
	b. Preventive Risk Assessment	200
3.	Affinity to Wellness
	a. Participating in Walkathon, Marathon, Cyclothon and similar activities	200
	b. Membership in a health club	200
4.	Stay Active – If the Insured member achieves the step count target on “Star Health” Mobile App	250
5.	Sharing ‘Active Life Success Story’ through adoption of Star Wellness Program	50
6.	Condition Management Program (CMP): Weight Management, Diabetes Management, Hypertension, De-Stress & Mind Body Healing Program.	150
7.	For Submission of Vaccination Certificate Eg: Vaccine for Covid, HPV, Pneumoccocal, Swine Flu (H1N1), Hepatitis etc..	20
8.	For Submission of Preventive Eye Check-up report	20
9.	For Submission of Preventive Dental Check-up report	20
10.	For Submission of Mammography & PAP Test (for Women) report	20
11.	For Submission of Prostate specific antigen (PSA) test report (for Male persons aged > 50 years)	20
12.	Glaucoma Screening (for persons aged > 50 years)	20

Value Added Services

Medical Concierge Services

Digital Health Vault

Wellness Content

Post-Operative Care

Discounts from Network Providers

Sign up points for Enrolling to Wellness Program: Insured Person(s) can earn 100 reward points for enrolling in Star Wellness Program through “Star Health” Mobile App.
Manage and Track Health:
a. Completion of Health Risk Assessment (HRA):

The Health Risk Assessment (HRA) questionnaire is an online tool for evaluation of health and quality of life of the Insured. It helps the Insured to introspect his/ her personal lifestyle. The Insured can log into his/her account on the website www.starhealth.in and complete the HRA questionnaire. The Insured can undertake this once per Policy Year.

On Completion of online HRA questionnaire, the Insured earns 150 wellness points.

Note: To get the wellness points mentioned under HRA, the Insured has to complete the entire HRA within one month from the time he/she started HRA Activity.

b. Preventive Risk Assessment:

The Insured can also earn wellness points by undergoing diagnostic / preventive tests during the Policy Year. These tests should include the four mandatory tests mentioned below. Insured can take these tests at any diagnostic centre at Insured’s own expenses.

- On submission of the test reports, Insured earns 200 reward points.

Note: These tests reports should be submitted together and within 30 days from the date of undergoing such Health Check-Up.

List of mandatory tests under Preventive Risk Assessment

Complete Haemogram Test
Blood Sugar (Fasting Blood Sugar (FBS) + Postprandial (PP) [or] HbA1c)
Lipid profile (Total cholesterol, HDL, LDL, Triglycerides, Total Cholesterol / HDL Cholesterol Ratio)
Serum Creatinine

3. Affinity towards wellness: Insured earns wellness reward points for undertaking any of the fitness and health related activities as given below. List of Fitness Initiatives and Wellness points:

	Initiative	Wellness Points
a.	Participating in Walkathon, Marathon, Cyclothon and similar activities	200
a.	On submission of BIB Number along with the details of the entry ticket taken to participate in the event and/or On Achieving 20,000 Step count on Star Health Mobile Application	200
b.	Membership in a health club (50 points for each quarter) - In a Gym / Yoga Centre / Zumba Classes / Aerobic Exercise/ Sports Club/ Pilates Classes/ Swimming / Tai Chi/ Martial Arts / Gymnastics/ Dance Classes	200
Note: In case if Insured is not a member of any health club, he/she should join into club within 3 months from the date of the policy risk commencement date. Insured Person should submit the health club membership.

4. Stay Active: Insured earns wellness reward points on achieving the step count target on “Star Health” Mobile App as mentioned below:

Criteria to get reward points

If the number of steps per day are minimum 8,000 or above for 16 days in a month, it will be considered as one active month and insured will get 20 reward points.

Note:

Incase if Insured achieves 10 active months in a Policy Year, he/ she will get 50 additional points as bonus.
First month and last month in each Policy Year will not be taken into consideration for calculation of average number of steps per day under Stay Active.
The “Star Health” Mobile App must be downloaded within 30 days of the policy risk start date to avail this benefit.
The average step count completed by an Insured member would be tracked on “Star Health” Mobile App

5. Condition Management Program:

i.Weight Management Program:

a. This Program will help the Insured Persons with Over Weight and Obesity to manage their Body Mass Index (BMI) through the empanelled wellness experts who will guide the Insured in losing excess weight and maintain their BMI.

- 150 wellness points will be awarded in case if the results are achieved and maintained as mentioned below.

Sr. No.	Name of the Ailment	Values to be submitted	Criteria to get the Wellness points
1.	Obesity (If BMI is above 29)	Height & Weight (to calculate BMI)	Achieving and maintaining the BMI between 18 and 29
2.	Overweight (If BMI is between 25 and 29)	Height & Weight (to calculate BMI)	Reducing BMI by two points and maintaining the same BMI in the Policy Year
Values (for BMI) shall be submitted for every 2 months (up to 5 times in each Policy Year)

b. Incase if the Insured is not Overweight / Obese, the Insured can submit his/her ‘Active Life Success Story’ through adoption of Star Wellness Activities with us. On submission of Active Life Success Story through adoption of Star Wellness Activities, Insured earns 50 wellness points.

ii. Chronic Condition Management Program:

a. This Program will help the Insured suffering from Diabetes, Hypertension, Cardiovascular Disease or Asthma to track their health through the empanelled wellness experts who will guide the insured in maintaining/ improving the health condition.

The Insured has to submit the test result values for every 3 months maximum up to 3 times in a Policy Year.
If the test result values are within +/- 10% range of the values given below, for at least 2 times in a Policy Year, 150 wellness points will be awarded.
These tests reports to be submitted within 1 month from the date of undergoing the Health Check-Up

Sr.No.	Name of the Ailment	Test to be submitted	Values Criteria to get the additional Wellness points
1.	Diabetes(Insured can submit either HbA1c test value (or) Fasting Blood Sugar (FBS) Range and Postprandial test value)	HbA1c	≤ 6.5
1.		Fasting Blood Sugar (FBS) Range and Postprandial test value	100 to 125 mg/dl below 160 mg/dl
2.	Hypertension	Measured with - BP apparatus	Systolic Range - 110 to 140 mmHg Diastolic Range - 70 to 90 mmHg
3.	Cardiovascular Disease	LDL Cholesterol and Total Cholesterol / HDL Cholesterol Ratio	100 to 159 mg/dl ≤ 4.0
4.	Asthma	PFT (Pulmonary Function Test)	FEV1 (PFC) is 75% or more FEV1/ FVC is 70% or more

b. In case if the Insured is not suffering from Chronic Condition/s (Diabetes, Hypertension, Cardiovascular Disease or Asthma) he/she can opt for “De-Stress & Mind Body Healing Program”. This program helps the Insured to reduce stress caused due to internal (self-generated) & external factors and increases the ability to handle stress.

On completion of De-stress & Mind Body Healing Program 150 wellness points will be awarded

Note: This is a 10 weeks program which insured needs to complete without any break.

6. Reward points for Preventive Care: Insured can earn wellness reward points for submitting the following health check-up reports once in a Policy Year which he/ she had during the Policy Year.

Submission of Vaccination Certificate/s: Insured can earn 20-wellness reward points by submitting the Vaccination certificate related to vaccine that he/she have had during the Policy Year. Eg: Vaccine for Covid, HPV, Swine Flu (H1N1), Hepatitis etc.
Submission of Preventive Eye Check-up report: Insured can earn 20 wellness reward points for submitting Eye Check-up report which includes near and far vision (visual equity) and Colour vision test.
Submission of Preventive Dental Check-up: Insured can earn 20 wellness reward points for submitting Dental Check-up report which includes screening of oral cavity done by a qualified Dentist.
Submission of Mammography & PAP Test report: Insured can earn 20 wellness reward points for submitting x-ray Mammogramgraphy or coloured doppler mammogram for preventive breast screening and PAP smear (biopsy) report.
Prostate specific antigen (PSA) test (applicable for Males aged > 50 years): Insured can earn 20 wellness reward points for submitting Prostate specific antigen blood report.
Glaucoma Screening (for persons aged > 50 years): Insured can earn 20 wellness reward points by submitting reports of Glaucoma screening test of both eyes including tonometery. (slit lamp test), pachymeter test, visual field test, dilated eye test and gonioscopy examination.

Value Added Services

1. Medical Concierge Services: The Insured can also contact Star Health to avail services like, Emergency assistance information such as nearest ambulance / hospital / blood bank etc.

2. Digital Health Vault: A secured Personal Health records system for Insured to store/access and share health data with trusted recipients. Using this portal, Insured can store their health documents (prescriptions, lab reports, discharge summaries etc.), track health data add family members.

3. Wellness Content: The wellness portal provides rich collection of health articles, blogs, tips and other health and wellness content. The contents have been written by experts drawn from various fields. Insured will benefit from having one single and reliable source for learning about various health aspects and incorporating positive health changes.

4. Post Operative Care: It is done through follow up phone calls (primarily for surgical cases) for resolving their medical queries.

5. Discounts from Network Providers: The Insured can avail discounts on the services offered by our network providers which will be displayed in our website.

Terms and conditions under wellness activity

i. Any information provided by the Insured in this regard shall be kept confidential.

ii. There will not be any cash redemption against the wellness reward points.

iii. Insured should notify and submit relevant documents, reports, receipts etc for various wellness activities within 1 month of undertaking such activity/test.

iv. For services that are provided through empanelled service provider, Star Health is only acting as a facilitator; hence would not be liable for any incremental costs or the services.

v. All medical services are being provided by empanelled health care service provider. We ensure full due diligence before empanelment. However Insured should consult his/her doctor before availing/taking the medical advices/services. The decision to utilize these advices/services is solely at Insured Person’s discretion.

vi. We reserve the right to remove the wellness reward points if found to be achieved in unfair manner.

vii. Star Health, its group entities, or affiliates, their respective directors, officers, employees, agents, vendors, are not responsible or liable for, any actions, claims, demands, losses, damages, costs, charges and expenses which a Member claims to have suffered, sustained or incurred, by way of and / or on account of the Wellness Program.

viii. Services offered are subject to guidelines issued by IRDAI from time to time

Illustration of Benefit

A 51 year old Individual Gopal and his wife Ramya along with their two dependent children (aged below 18 years) buy a Family Health Optima Insurance Plan with Sum Insured 10 Lacs, let’s understand how they can earn Wellness Points. Gopal has declared that he is suffering from Diabetes. Ramya has declared her BMI as 27. Gopal and Ramya enrolled under the Star wellness program and completed the following wellness activities.
Sr. No.	Activity	Wellness Points Earned by Gopal	Wellness Points Earned by Ramya
1.	Sign up points for Enrolling to Wellness Program	100	100
2.	Manage and Track Health
	a. Online Health Risk Assessment (HRA)	150	150
	b. Preventive Risk Assessment	200	200
3.	Affinity to Wellness
	a. Participating in Walkathon, Marathon, Cyclothon and similar activities	200	0
	b. Membership in a health club	100	150
4.	Stay Active (Wellness points based on Step Count)	250	120
5.	For Sharing ‘Active Life Success Story’	50	0
6.	Condition Management Program (CMP)	150	150
7.	Submission of Vaccination Certificate	20	20
8.	For Submission of Preventive Eye Check-up report	20	0
9.	For Submission of Preventive Dental Check-up report	0	20
10.	For Submission of Mammography & PAP Test (for Women) report	0	20
11.	For Submission of Prostate specific antigen (PSA) test report (for Male persons aged > 50 years)	20	0
12.	Glaucoma Screening (for persons aged > 50 years)	20	0
	Total Number of Wellness Points earned	1280	930
	No of wellness points based upon weightage - 1:1:0:0	640 (1280X1/2)	465 (930X1/2)
Total Number of Wellness Points earned by Gopal and Ramya = 1105 (640+465) Based on the no of Wellness Points earned, Gopal & Ramya are eligible to get 20% discount on renewal premium

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Family Health Optima Insurance Plan

What can be more important than ensuring the health and well-being of your loved ones in this active world? The Star Family Health Optima Insurance Plan is crafted to provide extensive health coverage for your entire family under a single policy. Above all, you and your family can get pre-eminent medical care without worrying about financial stress.

Family Health Optima Insurance Plan Benefits: Extensive Coverage

With this health insurance policy, your family is secured against unforeseen medical emergencies and can receive the best care. Family Health Optima Insurance Plan provides extensive coverage, which includes hospitalisation expenses, pre- and post-hospitalisation costs, and an array of other medical expenses.

Recharge Benefit - If the limit of coverage under the policy is exhausted/ exceeded during the policy period, additional indemnity up to 150,000 would be provided once for the remaining policy period.
Assisted Reproduction Treatment - The Company will reimburse medical expenses incurred on Assisted Reproduction Treatment for sub-fertility.
Automatic Restoration of Sum Insured - Automatic restoration of the sum insured three times during the currency of the policy period upon exhaustion of the limit of coverage.
Additional Sum Insured for RTA (Road Traffic Accident) - If the insured person meets with a Road Traffic Accident resulting in an in-patient hospitalisation, then the sum insured shall be increased by 25% subject to a maximum of Rs 5,00,000/-
Treatment in Valuable Service Providers - If the insured takes treatment in a hospital suggested by the company, then the company will provide a lump-sum payment calculated at 1% of the Sum Insured, subject to a maximum of Rs 5,000/-
Shared Accommodation - If the Insured person occupies shared accommodation during inpatient hospitalisation, then a lump sum payment as stated will be payable. On the other hand, shared accommodation in health insurance refers to a hospital room shared by two or more patients, providing a lower-cost alternative to a private room.
AYUSH Treatment - In-patient Hospitalisation expenses incurred on treatment under Ayurveda, Unani, Siddha and Homoeopathy systems of medicines in an AYUSH Hospital are payable up to the Sum Insured.
Emergency Domestic Medical Evacuation - The Company will reimburse reasonable and necessary expenses incurred towards transportation of the insured person from the treating hospital to another hospital for treatment.
Organ Donor Expenses - This cover is subject to a limit of 10% of the Sum Insured or Rupees One lakh, whichever is less.
Cost of Health Checkup - Expenses incurred towards the cost of health checkup, subject to sub limit for every claim-free year.
Hospitalisation expenses for treatment of Newborn Baby - The coverage for newborn babies starts from the 16th day after their birth and is subject to a limit of 10% of the Sum Insured or Rupees Fifty thousand, whichever is less.
Air Ambulance - Per policy limits is up to 10% of the Sum Insured during the entire policy period. This benefit is available for sum insured options of Rs . 5,00,000/- and above only.

Cashless Hospitalisation

The Family Health Optima Insurance Plan offers cashless hospitalisation across a network of more than 14000+ hospitals. Thus, in the event of a medical emergency, you can fully attend to the necessary treatment without worrying about upfront payments. The insurance company settles the bills directly with the hospital, guaranteeing a smooth experience for you and your family.

Loyalty Bonus

For the Sum Insured options of Rs . 3,00,000/- and above, the insured would be entitled to the benefit of Loyalty Bonus of 10% of the expiring Sum Insured, subject to a maximum Loyalty Bonus of 100% of the sum insured.

The Loyalty Bonus will be calculated on the expiring sum insured or on the renewed sum insured, whichever is less. If the insured opts to reduce the sum insured at the subsequent renewal, the limit of indemnity by way of such Loyalty Bonus shall not exceed such reduced sum insured.

Loyalty Bonus shall be available irrespective of a claim and only upon timely renewal without a break or upon renewal within the grace period allowed.

Lifelong Coverage and Renewability

You can enjoy lifelong renewability, ensuring continuous coverage for your family with the Star Family Health Optima Insurance Plan. Therefore, as long as you renew your policy promptly, your family will always have access to health insurance, providing tranquillity in the years ahead.

This Plan covers pre-hospitalisation expenses for up to 60 days before admission and post-hospitalisation expenses for up to 90 days after discharge.

The plan benefits include extensive coverage for hospitalisation, maternity care, and emergency services, ensuring complete and comprehensive protection for your entire family. This plan is a perfect choice for families looking for comprehensive health coverage at an economical price. Invest in your family’s health and well-being with the Family Health Optima Insurance Policy today!

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Disclaimer:
Health Insurance Coverage for pre-existing medical conditions is subject to underwriting review and may involve additional requirements, loadings, or exclusions. Please disclose your medical history in the proposal form for a personalised assessment.
The information provided on this page is for general informational purposes only. Availability and terms of health insurance plans may vary based on geographic location and other factors. Consult a licensed insurance agent or professional for specific advice. T&C Apply. For further detailed information or inquiries, feel free to reach out via email at marketing.d2c@starhealth.in

Home Health Insurance Family Health Optima Insurance Plan

Family Health Optima Insurance Plan

Contact any of our branches for purchasing this product

IRDAI UIN: SHAHLIP26046V092526

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