Star Family Health Optima Insurance Plan :- Family Health Optima is a family health insurance policy provided by Star Health Insurance. This policy comes with a number of benefits as this single policy covers the entire family. The sum assured can be selected according to the affordability and preferences of the proposer.
Star Family Health Optima is designed in such a way that it provides comprehensive coverage for all members of the family. Some of the key features like coverage for organ donor expenses, automatic sum assured restoration, health check-up benefits, etc. make it one of the most sought after policy covers for families.
Star Family Health Optima Insurance Plan
Star Health Optima Plan is a Super Saver plan, providing coverage to the entire family members at an affordable price, including spouse and dependent children aged 16 days to 25 years. People living in India aged between 18 years to 65 years can buy this policy.
After age 65, the health plan can be renewed for life. Under this policy, a gift of health check-up is given for each claim free year.
This plan automatically restores up to 100% of the Sum Assured thrice a year after each Sum Assured expires. Meaning, if you take a sum assured of Rs 5 lakh in this plan, then you can avail benefits up to Rs 15 lakh. More details about automatic restoration are given below, so read this article completely so that you can know this plan completely.
Additionally, Star Health Optima covers for hundreds of day-care procedures, pre-hospitalization and post-hospitalization, home hospitalization, donor expenses for organ transplantation, newborn baby cover from day 16 onwards, Provides coverage for, and similar comprehensive coverage. Policyholders can avail additional sum assured by spending a little more.
Sum Assured and Premium Charges
The sum assured for Star Family Health Optima is quite flexible ranging from Rs.1 lakh to Rs.25 lakh depending on the requirements of the proposer. The premium charges for the policy are influenced by various factors like the age of the eldest member of the family, number of members in the family, sum assured chosen etc.
Features of Star Family Health Optima
Some of the key features of Star Family Health Optima Cover are as follows:
- 100% automatic restoration of Sum Assured up to 3 times within the policy period
- Coverage for pre-existing conditions after 48 months of continuous policy coverage
- Medical expenses coverage up to 60 days prior to hospitalization
- Medical expenses coverage for up to 90 days following hospitalization
- For Rs 3 lakh Sum Assured – Pre-approval medical examination is required for those entering after 50 years of age
- Waiting period of 30 days for coverage against all diseases
- Free look period of up to 15 days
- 20% co-payment is required for insured persons who enter this cover after the age of 60 years
- Income tax benefits available as per Section 80D of Income Tax Act
- 120 days grace period for policy renewal
Benefits Of Star Family Health Optima Insurance Plan
Here is the list of medical expenses covered by Star Family Health Optima Insurance Plan –
Hospitalization expenses covered
This item covers the expenses incurred on hospitalization for 24 hours or more. Such expenses include expenses incurred on boarding, nurse’s fees, surgeon’s fees, doctor’s fees, operation theater charges, room rent, ICU room rent, cost of medicines, drugs etc.
Surgeon, Anaesthetist, Medical Practitioner, Consultant, Specialist Fees, Oxygen, Blood, Operation Theater Charges, Cost of Pacemaker, Cost of Medicines and Drugs etc.
pre-hospitalization costs
Expenses incurred prior to hospitalization come under this head. Such expenses are covered for a period of 60 days prior to hospitalization.
expenses after hospitalization
The expenses incurred after you are discharged from the hospital come under this item. Such expenses may be incurred on investigating and tracking your recovery after your discharge. Such expenses are covered for a period of 90 days following discharge from the hospital.
Modern Treatments
Modern day robotic treatment is covered under the plan subject to certain terms and conditions
Ambulance expenses
The expenses incurred in hiring an ambulance to take you to the hospital will be covered. The hospitalization coverage limit is Rs 750 and the maximum is Rs 1500 per policy year.
How to purchase Star Family Health Optima Insurance Plan?
Star Family Health Optima Insurance Plan is available for purchase online. You can visit the company’s website https://www.starhealth.in/, select the plan and provide your coverage details to receive the premium amount. Pay the premium online and you can buy the plan online instantly.
How to renew Star Family Health Optima insurance plan?
Renewal of existing Star Family Health Optima plan can be done online through the company’s website. Just visit https://www.starhealth.in/customerportal/instant-renewal and provide your policy number and date of birth of the proposer.
Your existing policy details will be shown along with the renewal premium. Make the renewal premium payment online and you will be allowed to renew the policy instantly without any hassle.
If you bought your policy through Turtlemint, you can also renew it through Turtlemint’s portal. Log into your online Turtlemint account and select a policy. Pay the renewal premium online and your policy will be instantly renewed.
Claim process for Star Family Health Optima
The claims process for Star Family Health Optima is similar to most health insurance plans offered by the company. For any kind of assistance, the insured can contact the company’s 24-hour helpline and get information. Cashless facility can be availed at the company’s network hospitals. No third-party administrators are involved.
Policyholders can claim directly with the company by submitting relevant documents related to hospitalization. Once the necessary documents are submitted, the insurer will validate the claim and provide reimbursement.
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General FAQS
Is there any co-payment in Star Family Health Optima Insurance Policy?
People above 60 years of age will have to make a co-payment of 20% for every claim under the Star Health Optima policy.
Does Star Family Health Optima Plan cover pre-existing conditions?
Star Health Optima plan covers pre-existing conditions after a waiting period of 48 months.
Are applicants required to undergo pre-medical screening before purchasing Star Family Health Optima Plan?
Applicants above 50 years of age and with a medical history will have to undergo pre-medical screening before purchasing Star Health Optima plan