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 Health Insurance
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 Star Health And Allied Insurance Health Insurance
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 Star Family Health Optima Policy
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Star Health Insurance

Family Health Optima

Restore Benefit (upto 3 times)
Recharge Benefit upto ₹1,50,000
Coverage available upto 25 Lakh
Total cashless network hospitals 8651
78.62% Claim Settlement Ratio
Restore Benefit (upto 3 times)
Recharge Benefit upto ₹1,50,000
Coverage available upto 25 Lakh
Total cashless network hospitals 8651
78.62% Claim Settlement Ratio
family premium calculation
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Overview

The Family Health Optima by Star Health insurance offers an extensive cover to your entire family under one single plan. It’s a 360 degree medical plan that covers most of the major medical costs for you along with your family. This plan is designing keeping in mind the surging medical costs. Hence, it offers a comprehensive premium with an affordable premium. Please read further to understand all the features & benefits of this plan.You can also check whether you are qualified for this plan or not & also understand what is covered and what is not covered in this plan. Less

The Family Health Optima by Star Health insurance offers an extensive cover to your entire family under one single plan. It’s a 360 degree medical plan that covers most of the major medical costs for you along with your family. This plan is designing keeping in mind the surging medical costs. Hence, it offers a comprehensive premium with an affordable premium. Please read further to understand all the features & … More

Features of Family Health Optima

Key features to look for while selecting your health insurance plan
Sum Assured:
25.0%

Renewal Bonus

Renewal Bonus
Renewal bonus is bonus money added in the sum insured for every claim free year.
20% after the age of 61

Copay

Copay
Copay is the percentage of the claim amount that is borne by an insured person.
Rs 5,000/- limit

Room Rent

Room Rent
Room rent limit is the maximum amount of per day room charges that you can claim in case you get admitted to a hospital.
4 years

PED Waiting period

PED Waiting period
The amount of time you need to wait for, from the start of your policy, to be able to use the benefits in case of a particular disease
Available

Health checkup

Health checkup
This plan offers a free health checkup of up to Rs. 750, after a period of 1 year, provided you have not filed a claim.
25.0%

Renewal Bonus

Renewal Bonus
Renewal bonus is bonus money added in the sum insured for every claim free year.
20% after the age of 61

Copay

Copay
Copay is the percentage of the claim amount that is borne by an insured person.
Single Standard AC Room

Room Rent

Room Rent
Room rent limit is the maximum amount of per day room charges that you can claim in case you get admitted to a hospital.
4 years

PED Waiting period

PED Waiting period
The amount of time you need to wait for, from the start of your policy, to be able to use the benefits in case of a particular disease
Available

Health checkup

Health checkup
This plan offers a free health checkup of up to Rs. 1500, after a period of 1 year, provided you have not filed a claim.

What is covered?

Sum Assured:
Renewal Bonus
25.0%

Renewal Bonus

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What is Renewal Bonus
Renewal bonus is added in the sum insured for every claim free year. This plan offers No Claim Bonus of up to maximum of 100% of Sum Insured.
Pre hospitalization
60 days

Pre hospitalization

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What is Pre hospitalization
Medical expenses up to 60 days before admission will be covered.
Post Hospitalization
90 days

Post Hospitalization

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What is Post Hospitalization
Medical expenses up to 90 days after discharge will be covered.
Health checkup
Available

Health checkup

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What is Health checkup
This plan offers a free health checkup of up to Rs. 750, after a period of 1 year, provided you have not filed a claim.
Restore benefits
Up to 100.0% of sum assured

Restore benefits

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What is Restore benefits
This plan reinstates your basic cover, in case you exhaust your cover in a policy year. Restoration works only for unrelated claims.
Ambulance charges
Covered

Ambulance charges

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What is Ambulance charges
You can claim up to a maximum of Rs. 1,500 for ambulance charges.
AYUSH Cover
Covered

AYUSH Cover

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What is AYUSH Cover
Sidha, Ayurvedic, Homeopathic, Unani are covered up to a sum of Rs 10,000
Home hospitalization
Covered

Home hospitalization

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What is Home hospitalization
Treatment taken at home for any medical reason, if hospitalization is not possible. This is a rare scenario and is termed as 'Domiciliary Hospitalization'. In such a scenario, expenses of up to Rs 3,00,000 are covered in this plan.
Organ Donor
Covered

Organ Donor

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What is Organ Donor
In case of an organ transplant and there is a need of an organ donor, hospitalisation charges for the organ donor are covered in this plan. However, the cost of finding a donor is not covered.
Day Care
All procedures upto S.I.

Day Care

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What is Day Care
Health insurance covers medical expenses only for hospitalizations exceeding 24 hours. Day care procedures refers to medical treatment undertaken in a hospital requiring less than 24 hours due to technological advancement. All day care procedures are covered in this plan.
Renewal Bonus
25.0%

Renewal Bonus

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What is Renewal Bonus
Renewal bonus is added in the sum insured for every claim free year. This plan offers No Claim Bonus of up to maximum of 100% of Sum Insured.
Pre hospitalization
60 days

Pre hospitalization

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What is Pre hospitalization
Medical expenses up to 60 days before admission will be covered.
Post Hospitalization
90 days

Post Hospitalization

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What is Post Hospitalization
Medical expenses up to 90 days after discharge will be covered.
Health checkup
Available

Health checkup

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What is Health checkup
This plan offers a free health checkup of up to Rs. 1500, after a period of 1 year, provided you have not filed a claim.
Restore benefits
Up to 100.0% of sum assured

Restore benefits

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What is Restore benefits
This plan reinstates your basic cover, in case you exhaust your cover in a policy year. Restoration works only for unrelated claims.
Ambulance charges
Covered

Ambulance charges

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What is Ambulance charges
You can claim up to a maximum of Rs. 1,500 for ambulance charges.
AYUSH Cover
Covered

AYUSH Cover

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What is AYUSH Cover
Sidha, Ayurvedic, Homeopathic, Unani are covered up to a sum of Rs 15,000
Home hospitalization
Covered

Home hospitalization

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close icon
What is Home hospitalization
Treatment taken at home for any medical reason, if hospitalization is not possible. This is a rare scenario and is termed as 'Domiciliary Hospitalization'. In such a scenario, expenses of up to Rs 5,00,000 are covered in this plan.
Organ Donor
Covered

Organ Donor

info icon
close icon
What is Organ Donor
In case of an organ transplant and there is a need of an organ donor, hospitalisation charges for the organ donor are covered in this plan. However, the cost of finding a donor is not covered.
Day Care
All procedures upto S.I.

Day Care

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What is Day Care
Health insurance covers medical expenses only for hospitalizations exceeding 24 hours. Day care procedures refers to medical treatment undertaken in a hospital requiring less than 24 hours due to technological advancement. All day care procedures are covered in this plan.
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What’s not covered

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Maternity
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Hospital Daily Cash
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OPD
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War related Injuries
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Cosmetic Surgery
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Lasik eye treatment
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Damage while driving under the influence of liquor or drugs

Cashless network hospitals

You don’t have to pay a penny to get your treatment done in the network hospitals of Star Health Insurance.
Search for number of nearby cashless network hospitals in your area.
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8651
Network Hospitals in India
Search cashless hospitals in your area
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Eligibility criteria

AGE ELIGIBILITY

0 months
65 years
Max age bar

No. of Members Covered

5
Members
Upto 2
Adults
Upto 3
Children

Policy Periods

1 year(s)

Waiting period

After
4 years
You can claim for any pre-existing conditions after 4 years of the policy start date.
After
30 days
A 30 days cooling period for all claims except any arising out of accidental injuries

About Star Health Insurance

Star Health Insurance Plans provide affordable health insurance policies that include comprehensive protection for individuals, families, senior citizens & Corporates. Star Health Insurance Plans cover you for majority of the high medical treatment costs for an affordable premium. It has a huge network of 9,900+ Network Hospitals, nearly 3 lakh agents & a customer base of Over 16.9 Crore Customers. Most importantly, it has successfully paid claims worth over Rs.12,739 Cr, and 90% cashless claims settled in less than 2 hours with the help of its HASSLE-FREE in-house claims settlement making it popular among the masses Less

Star Health Insurance Plans provide affordable health insurance policies that include comprehensive protection for individuals, families, senior citizens & Corporates. Star Health Insurance Plans cover you for majority of the high medical treatment costs for an affordable premium. It has a huge network of 9,900+ Network Hospitals, nearly 3 lakh agents & a customer base of Over 16.9 Crore Customers. Most importantly, it has successfully paid claims worth over Rs.12,739 … More

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family premium calculation
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Want Expert Advice?
Talk to our Insurance experts to choose the right plan as per your medical needs.
I hereby authorize Hudson to communicate with me on the given number for my Insurance needs. I am aware that this authorization will override my registry under NDNC. Less
I hereby authorize Hudson to communicate with me on the More
Thank you for scheduling a call with us! One of our Health Insurance experts will call you shortly.
Redirecting to quotes in seconds