Star Health Insurance Family Health Optima

What is covered?

25.0%

Renewal Bonus

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.

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60 days

Pre hospitalization

What is Pre hospitalization

Medical expenses up to 60 days before admission will be covered.

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90 days

Post Hospitalization

What is Post Hospitalization

Medical expenses up to 90 days after discharge will be covered.

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Available

Health checkup

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.

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Up to 100.0% of sum assured

Restore benefits

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.

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Covered

Ambulance charges

What is Ambulance charges

You can claim up to a maximum of Rs. 1,500 for ambulance charges.

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Covered

AYUSH Cover

What is AYUSH Cover

Sidha, Ayurvedic, Homeopathic, Unani are covered up to a sum of Rs 10,000

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Covered

Home hospitalization

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.

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Covered

Organ Donor

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.

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All procedures upto S.I.

Day Care

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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25.0%

Renewal Bonus

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.

Close

60 days

Pre hospitalization

What is Pre hospitalization

Medical expenses up to 60 days before admission will be covered.

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90 days

Post Hospitalization

What is Post Hospitalization

Medical expenses up to 90 days after discharge will be covered.

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Available

Health checkup

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.

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Up to 100.0% of sum assured

Restore benefits

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.

Close

Covered

Ambulance charges

What is Ambulance charges

You can claim up to a maximum of Rs. 1,500 for ambulance charges.

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Covered

AYUSH Cover

What is AYUSH Cover

Sidha, Ayurvedic, Homeopathic, Unani are covered up to a sum of Rs 15,000

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Covered

Home hospitalization

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.

Close

Covered

Organ Donor

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.

Close

All procedures upto S.I.

Day Care

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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Waiting period

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