Star Health Family Health Optima Insurance Overview:
Family Health Optima from Star Health is a health insurance plan that gives protection to individual family member for a single premium under a single sum insured that covers all family members.
Star Family Health Optima Eligibility:
Minimum: 18 years and Maximum: 65 years of age at the time of entry (Infant can be covered from 16th day).
Applicable for renewal for the whole lifetime of the Insured individual.
On a Floater Basis the entire sum insured floats among all covered family (self, spouse and not exceeding 3 dependent children).
Special Features of Star Family Health Optima Policy:
Recharge Benefit: When the sum insured is exhausted/ exceeded, it provides additional cover up to a certain limit.
Bonus: Bonus is given for a claim-free year subject to a certain limits.
Automatic Restoration of Sum Insured: Upon exhaustion of the limit of coverage during the policy period subject to the limits, the basic sum would be automatically restored. This restored sum insured may be utilized in the remaining policy period.
Star Health Family Health Optima Policy Benefits:
Expenses including room rent, nursing and boarding charges during hospitalisation of the insured are covered for a maximum of 24 hours.
Fees of Anaesthetist, Surgeon, Medical Practitioner, Consultants and Specialist Fees, Anaesthesia, Blood, Oxygen, and Operation Theatre charges, Cost of Pacemaker, Cost of Medicine and drugs etc. are also taken for coverage.
Pre Hospitalisation expenses up to 60 days prior to admission in the hospital.
Post Hospitalisation expenses up to 90 days after discharge from the hospital.
Co-Payment:
A co-payment of 20% for every claim is applicablefor fresh as well as renewed policies for insured persons (age above 60 years at the time of entry).
Pre-Existing Diseases/Illness: Are covered after 48 months of continuous Insurance
Pre- Acceptance medical screening: Persons above 50 years will be required to undergo medical screening at the Company nominated centres, cost of which is borne by the Company.
Additional Features:
Automatic Restoration of Sum Insured:
Automatic Restoration of Sum Insured: Upon exhaustion of the limit of coverage during the policy period subject to the limits, the basic sum insured would be automatically restored. This restored sum insured may be utilized for the remaining policy period.
The restored sum insured cannot be carried forward.
Basic Sum Insured % OF Restoration on the basic sum insured
up to 200000 Nil
300000 and above 100 %
Recharge Benefit:
Recharge Benefit: When the sum insured is exhausted/exceeded this provides additional cover up to a certain limit.
For Zone 1:
25% of the basic sum insured option of Rs.3 Lacs and Rs.4 Lacs.
15% of the basic sum insured option of Rs.5 Lacs.
No recharge for Sum Insured up to Rs.2 Lacs and more than Rs.5 Lacs
Exclusions under plan by Star Health Family Health Optima:
Pre Existing diseases as mentioned.
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https://youtu.be/G8M20vGyEhcHello everyone
I am Sanket Rastogi, working as an Independent financial advisor. I provide wealth management and financial advisory services.
I have started to offer Independent Financial Advisory Services which would enable Individuals/Corporate Investors (big or small) in investing their hard earned money in mutual funds and insurance.
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