Star Family Health Optima
Star
7.0/10
OneAssure Rating
7.0/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
Hospital room rent is covered based on the sum insured. Normal rooms have limits, while ICU charges are fully covered. Higher sum insured allows for a single standard A/C room.
Comprehensive Treatment Coverage
Covers advanced medical treatments, including robotic surgeries, oral chemotherapy, and stem cell therapy, ensuring access to cutting-edge healthcare solutions.
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Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
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.
- Normal: For the Sum insured from 1,00,000 to 2,00,000 the limit will be up to 2,000 per day.
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.
- Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Waiting Period
- Pre-Existing Diseases- 36 Months
- Specific Diseases - 24 Months
- Initial Waiting Period- 30 Days
- Pre-Existing Diseases- 36 Months
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.
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.
Exclusions
Related Variants
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Why OneAssure?
We help you maximize your coverage over time for stronger protection.
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 sum insured restoration, and preventive health check-ups.
Focusing on their customers' convenience, the insurer provides online policy management, claim tracking, and immediate claim settlement. Star Health looks forward to becoming the provider of financial security against medical emergencies while promoting health and well-being among individuals, families, and corporate clients, making it one of the trusted names in India's health insurance band.
About the Company
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