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 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.

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.

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

Policy Brochure

Policy Policy Wording

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82.31

Claim Settlement Ratio

14000

Network Hospitals

7

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: Star Health Insurance

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...

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

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.

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.

Cashless Healthcare Providers

13,000+ Health care providers

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.

Waiting Period

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

Daycare Treatment

All Day Care Procedures are covered.

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.

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.

Waiting Period

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

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.

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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;...