What is the waiting period for pre-existing diseases in Optima Insurance?

The policy has a 36-month waiting period for pre-existing diseases from the first policy inception date. Specific listed diseases and procedures have a 24-month waiting period.

How does the Automatic Restoration feature work?

The base sum insured gets automatically restored up to three times in a policy year after exhaustion of the previous coverage limit. The restored amount can only be used for unrelated illnesses and not for modern treatments.

Does Optima Insurance provide newborn baby coverage?

Yes. Newborn babies are covered from the 16th day after birth until policy expiry, subject to policy limits. The mother must have been continuously insured under the policy for at least 12 months.

Is co-payment applicable in Optima Insurance?

Yes. A mandatory 20% co-payment applies for insured persons entering the plan at age 61 years and above. Optional voluntary co-payment choices are also available for additional premium discounts.

OneAssure

Health Insurance

Star

Optima Insurance

Experience India's most trusted health insurance with Star Health Insurance. Get instant cashless treatment at 14000 network hospitals with sum insured up to ₹50 lakhs.

82.31

Claim Settlement Ratio

14000

Network Hospitals

0

Customer Rating

Policy Brochure

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82.31

Claim Settlement Ratio

14000

Network Hospitals

0

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Star Health Insurance

Final Verdict

Optima Insurance is designed for families looking for comprehensive hospitalization coverage with restoration, recharge, loyalty rewards, and wellness-linked benefits. Features like newborn baby cover and automatic restoration strengthen its long-term value.

About

About Star Health Insurance

Optima Insurance is a family floater health insurance plan from Star Health designed to provide broad hospitalization coverage along with wellness and restoration-focused benefits. The policy covers inpatient hospitalization, daycare treatment, AYUSH treatment, organ donor expenses, home care treatment, domiciliary hospitalization, and modern treatments. It also includes automatic restoration of sum insured, recharge benefit, loyalty bonus accumulation, and newborn baby coverage. Additional features like wellness discounts, tele-consultation services, preventive health check-ups, and road traffic accident support make the plan suitable for long-term family healthcare planning.

Optima Insurance is a family floater health insurance plan from Star Health designed to provide broad hospitalization coverage along with wellness and restoration-focused benefits. The policy covers inpatient hospitalization, daycare treatment, AYUSH treatment, organ donor expenses, home care treatment, domiciliary hospitalization, and modern treatments. It also includes automatic restoration of sum insured, recharge benefit, loyalty bonus accumulation, and newborn baby coverage. Additional features like wellness discounts, tele-consultation services, preventive health check-ups, and road traffic accident...

Optima Insurance Ratings

Optima Insurance

Insurer Rating

5.67

out of 10

Insurance Rating

4

out of 10

No Room Rent Limit

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Consumables Covered

No

No Co-payment

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Loyalty Bonus >= 500%

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No Disease Sublimits

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Unlimited Restoration

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Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of Star Insurance Company Limited

Room Rent

Normal: Single Private A/C Room
ICU: Covered up to Sum Insured

Advanced Treatments

Immunotherapy – Monoclonal Antibody injections
Stem Cell Therapy for hematological conditions
IONM (Intraoperative Neuro Monitoring)
Green Laser / Holmium Laser prostate treatment
Bronchial Thermoplasty
Oral Chemotherapy
Robotic Surgeries
Deep Brain Stimulation
Balloon Sinoplasty
Uterine Artery Embolization and HIFU

Co-payment

20% mandatory co-payment for insured persons entering at age 61 years and above

Cashless Healthcare Providers

Cashless treatment available at network hospitals

Waiting Period

Initial Waiting Period: 30 days
Pre-existing Disease Waiting Period: 36 months
Specific Disease/Procedure Waiting Period: 24 months

Daycare Treatment

All daycare procedures covered

AYUSH Treatment

Covered up to Sum Insured

Room Rent

Normal: Single Private A/C Room
ICU: Covered up to Sum Insured

Advanced Treatments

Immunotherapy – Monoclonal Antibody injections
Stem Cell Therapy for hematological conditions
IONM (Intraoperative Neuro Monitoring)
Green Laser / Holmium Laser prostate treatment
Bronchial Thermoplasty
Oral Chemotherapy
Robotic Surgeries
Deep Brain Stimulation
Balloon Sinoplasty
Uterine Artery Embolization and HIFU

Co-payment

20% mandatory co-payment for insured persons entering at age 61 years and above

Exclusions

Not available

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About the company

Star Health and Allied Insurance Co. Ltd is considered one of the major standalone insurers in India. Today, a bulk of insurance policyholders are served by Star Health in India. Plans are offered pertaining to individual health, family floater, senior citizen, critical illness, top-up and super top-up, personal accident, disease specific, maternity, and corporate/group insurance. A cashless hospital network of over 14,000 hospitals nationwide is the big number that helps to keep Star Health's reputation; that way, customers can gain access to quality treatment and services without having to give any upfront payments. As per the plan, treatment can include...

Star Health and Allied Insurance Co. Ltd is considered one of the major standalone insurers in India. Today, a bulk of insurance policyholders are served by Star Health in India. Plans are offered pertaining to individual health, family floater, senior citizen, critical illness, top-up and super top-up, personal accident, disease specific, maternity, and corporate/group insurance. A cashless hospital network of over 14,000 hospitals nationwide is the big number that helps to keep Star Health's reputation;...