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-hospitlisation costs, and a array of other medical expenses.

a) Recharge Benefit - If the limit of coverage under the policy is exhausted/ exceeded during the policy period, additional indemnity up to the limits would be provided once for the remaining policy period.

b) Assisted Reproduction Treatment - The Company will reimburse medical expenses incurred on Assisted Reproduction Treatment for sub-fertility.

c) 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.

d) Additional Sum Insured for RTA (Road Traffic Accident) - If the insured person meets with a Road Traffic Accident resulting in an in-patient hospitalization, then the sum insured shall be increased by 25% subject to a maximum of Rs.5,00,000/-

e) 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/-

f) Shared Accommodation - If the Insured person occupies shared accommodation during in patient hospitalization, then a lump sum payment as stated will be payable.

g) AYUSH Treatment - In-patient Hospitalisation expenses incurred on treatment under Ayurveda, Unani, Siddha and Homeopathy systems of medicines in an AYUSH Hospital are payable up to the Sum Insured.

h) 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.

i) Cost of Health Checkup - Expenses incurred towards the cost of health check-up subject to a maximum of Rs.3,500/- for every claim-free year.

j) Hospitalization expenses for treatment of New Born 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.

k) 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 10,000 hospitals. Thus, in the event of a medical emergency, you can fully attend to the necessary treatment without worrying about beforehand 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 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.

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 promptly, your family will always have access to health insurance, providing tranquillity in the years ahead.

Family Health Optima Insurance Plan covers pre-hospitalisation expenses for up to 60 days before admission and post-hospitalisation expenses for up to 90 days after discharge.

The Family Health Optima Insurance Plan benefits include extensive coverage for hospitalisation, maternity care, and emergency services, ensuring complete and comprehensive protection for your entire family. The Family Health Optima Insurance 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 Plan today!