General Insurance

Family Health Optima

Eligibility Criteria

Minimum Entry Age 18 years
Maximum Entry Age 65 years
 
 

Product Features

Key Features

Sum Insured

Sum Insured is the amount of cover provided by the insurance company.
The plan provides a cover of Rs. 2, 3, 4, 5, 10, 15 lakh
In-patient hospitalisation

This covers hospitalisation expenses due to an illness or accident.
This plan covers in-patient hospitalisation for a minimum of 24 hours.
Pre-hospitalisation

It covers the medical expenses due to an illness before the insured is hospitalised.
The plan covers pre-hospitalisation expenses of up to 60 days.
Post-hospitalisation

It covers the medical expenses due to an illness after the insured is discharged from hospitalisation.
The plan covers post-hospitalisation expenses of up to 90 days.
Room Rent

Room rent specifies the sub-limit on room rent charges you can avail in case of hospitalisation.
Room rent charges are covered in the plan based on the amount of sum insured.
Health check-up

A free medical check-up is provided by the insurance companies to its policyholders.
The plan offers medical check-ups up to Rs. 5,000/- for every block of 3 years of policy coverage
 

Other Features

Day Care Treatments

These are treatments that don’t require a 24-hr hospitalisation and conducted in a hospital or day-care center.
This plan allows 405 day care procedures.
Ambulance Cover

In case of an emergency, the ambulance charges are covered by the insurance company.
Ambulance expenses up to Rs. 750/hospitalisation is borne by the insurance company.
Domicilliary Hospitalisation

If a patient is in a condition that he cannot be moved to the hospital or there is lack of accommodation in the hospital, he is been treated at home and this process is known as domicilliary hospitalisation.
The plan covers domicilliary hospitalisation for treatment exceeding 3 days.
Recharge of Sum Insured

Under this feature, the policyholder’s entire sum insured is automatically restored back to him upon exhaustion of the limit of the coverage during the policy period.
If the policyholder’s basic sum insured inclusive of the no-claim bonus is exhausted, he will be automatically provided with the basic sum insured.
No-claim Bonus

At the end of every claim-free year, the policyholder is entitled to an additional bonus on his sum insured.
In case of a claim-free year of insurance, the sum insured options Rs. 3 lakh and above, the insured would be entitled to a bonus of 25% of the expiring sum insured in the 2nd year and additional 10% of the expiring sum insured in the 3rd year.
Organ Donor Cover

The medical expenses for an organ donor's treatment in the event of organ transplantation.
The policy covers the expenses for an organ donor up to 10% of sum insured or Rs. 1 lakh, whichever is less.
 

Other Plans in same category

NA

 

Add-on Covers/Riders

NA

 
 

FAQs

 

What is the maximum number of claims allowed over a year?

Any number of claims is allowed during the policy period. However the sum insured is the maximum limit under the policy.

 

Does any health policy cover the treatment for existing disease also?

Normally health plans exclude treatment of any pre existing disease / condition. At Star the treatment of any such pre existing disease/ condition is covered after 48 months of continuous renewals with Star.

 

Is a medical checkup necessary before buying a Health policy?

A medical checkup is necessary for a new health insurance policy for customers above the age of 50 years. Medical checkup is not required only for Senior citizen policy offered to people between 60 years to 69 years.

 

Does any health policy cover expenses on outpatient treatment also?

No, Normally Health policies cover only expenses incurred as Inpatient. But Star Health Gain Policy also covers reimbursement of expenses incurred as Outpatient subject to terms and conditions of the policy.

 

Can take a health insurance policy for my child who is 3 yrs old?

Children are not covered individually in the policies but can be covered with either of the parent.