Star Family Health Optima

Star Family Health Optima is an exclusive insurance plan for the entire family under a single roof- one family one policy one premium and one sum insured that floats among the persons insured.

• You can now save considerable amount as premium since the family is covered under one policy
• Any person aged between 5 months and 60 years residing in India can take this insurance. Dependent children up to 25 yrs can be covered
• Medical check up compulsory for persons above 50 years of age at the cost of the company
• Get coverage for Pre-Existing Diseases / Illness after 48 months of continuous insurance with Star health insurance
• Hospitalisation Cover: Protects the insured person for in-patient hospitalisation expenses for a minimum of 24 hours. These expenses include room and boarding charges as per policy conditions
• Get coverage for Nursing expenses
• Surgeon’s fees, Consultant’s fees, Anesthetist’s and Specialist’s fees
• Cost of medicines and drugs
• Get coverage for ambulance charges in case of emergency upto a sum of Rs.750/- per hospitalization and overall limit of Rs.1500/- per policy period
• Pre-hospitalisation medical expenses upto 30 days prior to the date of admission
• Post-hospitalisation calculated at 7% of the hospitalisation expenses (excluding room charges), subject to a maximum of Rs.5000 is payable
• Get a discount of 10% on Premium, on renewal of the policy if there is no claim in the immediately preceding year of the policy. This discount is not cumulative
• Get insurance benefits under Section 80D of the Income Tax Act