How does the waiting period affect my coverage?

The Star Family Health Optima policy imposes a 36-month waiting period for pre-existing diseases and specific treatments, during which related claims are not admissible.

What happens if I don’t use my health insurance benefits for the entire year?

This policy offers a loyalty bonus, increasing the sum insured by 25% after the first claim-free year and an additional 10% for each subsequent claim-free year, up to a maximum of 100%.

Will my health insurance cover treatment abroad?

The Star Family Health Optima policy does not provide coverage for treatments received outside India.

What is the claim settlement ratio for Star Family Health Optima?

In 2024, the Star Family Health Optima plan had a claim settlement ratio of 99.10%, indicating a high rate of successful claim settlements.

OneAssure

Health Insurance

Star

Family Health Optima

Star Family Health Optima

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

7

Customer Rating

Get a Quote

82.31

Claim Settlement Ratio

14000

Network Hospitals

7

Customer Rating

Our Verdict

Expert Review: Star Health Insurance

Use our free BMI calculator for men and women to quickly check your Body Mass Index. Discover whether you're underweight, normal, overweight, or obese based on your height and weight - only at Oneassure.

Final Verdict

The Family Health Optima Plan offers comprehensive family coverage with restoration benefits, organ donor expenses, and advanced treatments. Ideal for families seeking extensive protection, but with a co-payment for those aged 61+.

About

About Star Health Insurance

The Family Health Optima Insurance Plan by Star Health provides comprehensive coverage for families under a single sum insured. It includes hospitalization, daycare procedures, and pre-existing condition coverage after a waiting period. The plan offers 100% sum insured restoration up to three times, air and road ambulance coverage, organ donor expenses, and assisted reproduction treatments. Additional benefits include a 10% loyalty bonus, free health check-ups, and second medical opinions. A 20% co-payment applies for those aged 61 and above. Flexible premium payment options are available.

The Family Health Optima Insurance Plan by Star Health provides comprehensive coverage for families under a single sum insured. It includes hospitalization, daycare procedures, and pre-existing condition coverage after a waiting period. The plan offers 100% sum insured restoration up to three times, air and road ambulance coverage, organ donor expenses, and assisted reproduction treatments. Additional benefits include a 10% loyalty bonus, free health check-ups, and second medical opinions. A 20% co-payment applies for those...

Inclusions and Exclusions

Inclusions and Exclusions of Star Insurance Company Limited

Room Rent

Normal: For the Sum insured from 1,00,000 to 2,00,000 the limit will be up to 2,000 per day.For the Sum Insured from 3,00,000 to 4,00,000 the limit will be up to 5,000 per day.
For the Sum Insured from 5,00,000 to 25,00,000 the limit will be Single Standard A/C room.
ICU: Covered up to Sum Insured.

Advanced Treatments

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy- Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchial Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.

Waiting Period

Pre-Existing Diseases- 36 Months
Specific Diseases - 24 Months
Initial Waiting Period- 30 Days

AYUSH Treatment

Expenses incurred for the treatment under Ayurveda, Unani, Siddha and Homeopathy systems of medicines in AYUSH hospitals are covered up to the Sum Insured.

Co-payment

Co-payment of 20% of each and every claim amount for fresh as well as policies for insured persons whose age at the time of entry is 61 years and above.

Cashless Healthcare Providers

13,000+ Health care providers

Daycare Treatment

All Day Care Procedures are covered.

Room Rent

Normal: For the Sum insured from 1,00,000 to 2,00,000 the limit will be up to 2,000 per day.For the Sum Insured from 3,00,000 to 4,00,000 the limit will be up to 5,000 per day.
For the Sum Insured from 5,00,000 to 25,00,000 the limit will be Single Standard A/C room.
ICU: Covered up to Sum Insured.

Advanced Treatments

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy- Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchial Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.

Waiting Period

Pre-Existing Diseases- 36 Months
Specific Diseases - 24 Months
Initial Waiting Period- 30 Days

Pageof 3

Exclusions

Hospital admissions primarily for diagnostic purposes.
Treatment related to pregnancy and infertility.
Procedures for circumcision, sex change, cosmetic, and plastic surgeries.
Correction of refractive errors, hearing impairments, and dental surgeries.
Treatment outside India.
Expenses related to substance abuse and self-inflicted injuries.
Charges for items like television, surcharges, attendant fees, extra diet, birth certificates, and courier services.

Insurance Premium Calculator

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

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 hospitalization, along with pre-and post-hospitalization expenses, day-care procedures, AYUSH treatments, ambulance charges, and maternity benefits, etc. Policyholders also enjoy benefits such as no-claim bonuses, automatic...

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;...