Star Family Health Optima covering the family members under a single amount
Star Family Health Optima Get 3 Lacs Health Cover starting @ Rs 17/day* inclusive of GST

About the Plan

Star Family Health Optima Insurance Plan

This plan is a perfect health insurance proposition for you and your family. It provides comprehensive coverage at the best premium prices. This plan offers financial assistance in case of hospitalization to you and your family on floater basis during the policy year. You, your spouse and dependent children aged from 16 days to 25 years can be covered under this plan. Get the coverage and stay away from health worries.

Key Features

Single policy, wider coverage for whole family at an affordable premium

Get extra sum insured (auto recharge) at no extra cost

Health Checkup benefit for every claim free year

3 times Automatic restoration of Sum insured by 100% each time

Cover for Assisted Reproductive Treatment

Domiciliary Hospitalization Expenses for treatment exceeding 3 days

Donor expenses for organ transplantation

New-born baby covers from 16th day

Cover for all day care procedures

Coverage for Ayush related expenses

Grace period for 120 days

Cashless Treatment in network of 7800 plus hospitals

Policy Benefits

In-patient hospitalization expenses like room rent, boarding and nursing charges, etc. are covered under the policy benefits.

Surgeon, Anesthetist, Consultant fees is also covered as per the specified limits mentioned in the policy.

Cost of Pacemaker, medicines and drugs related to the illness/disease is also covered.

Pre hospitalization expenses are covered upto 60 days before the admission in the hospitalization.

Post hospitalization expenses are covered upto 90 days after discharge from the hospital.

All the day care procedures are covered under this plan.

Tax Benefit under section 80D of IT Act,1961.

Donor expenses for organ transplant are covered.

Domiciliary Hospitalization Expenses for treatment exceeding 3 days are covered under this plan.

Assisted Reproduction Treatment expenses are covered, up to the limits specified.

Value Added Benefits

Emergency Ambulance service expenses are covered under this plan.

Expenses incurred towards the cost of health check up are covered.

Automatic restoration of sum insured by 100% where the sum insured is 3 lacs and above.

Hospitalization expenses for the treatment of newborn baby born during the policy period are covered.

Insured is entitled to the bonus of 25% of the expiring sum insured in the 2nd year and 10%.

From the 3rd year onwards for sum insured 3 lacs and above. This bonus can be availed up to a maximum of 100% of the sum insured.

Recharge Benefit is applicable under the policy.

Emergency Domestic Medical Evacuation is payable under the policy.

Expenses incurred for Compassionate Travel for one immediate family member is covered.

Repatriation of Mortal Remains is reimbursed, under this policy.

You can avail benefit in case of treatment in Preferred Network Hospitals.

AYUSH Treatment expenses are covered, up to the limit specified.

Second Medical Opinion can be availed by the insured person.

Additional Sum Insured is applicable for Road Traffic Accident.

Cataract Treatment expenses are covered.

Facility for maintaining personal health records in electronic format.

Annual Health check-up in every claim free year.

Sub Limits

For sum insured 1 lac & 2 lacs, room rent is capped up to Rs 2,000 per day. For sum insured 3 lacs & 4 lacs, room rent is capped up to Rs 5,000 per day. For sum insured 5 lacs & above, Single standard A/C Room can be taken by insured.
This plan covers donor’s expenses up to 10% of the Sum Insured or Rs 1 lakh (whichever is lower). This benefit is payable, subject to availability of the sum insured and claim for transplantation is payable.
Emergency ambulance charges are covered up to a sum of Rs 750 per hospitalization and overall limit of Rs 1500 per policy period.
Expenses incurred for air ambulance are covered up to 10% of the Basic sum insured per policy period. This benefit is available for Sum Insured of Rs. 5 Lakhs and above only.
The coverage for New Born Baby commences from the 16th day of its birth till the expiry date of the policy and it is capped up to a limit of 10% of the Sum Insured or Rs 50,000 whichever is less.This cover is applicable, provided the mother is insured for a continuous period of 12 months under the policy.
If the coverage under the policy is exhausted during the policy period, Recharge Benefit with a cap of Rs 1,50,000 is provided once for the remaining policy period.
Expenses incurred towards the repatriation of mortal remains of the insured is reimbursed up to Rs 5,000 during the policy period.
A co-payment of 20% of the admissible claim amount of the insured persons whose age at the time of entry is above 60 years.

Waiting Periods

Initial waiting period: An initial waiting period of 30 days from the commencement of the policy is to be followed for any hospitalization except for the accident claims.
Assisted Reproduction Treatment Waiting Period: Claim towards Assisted Reproduction Treatment is not admissible during the first 36 months of policy coverage.
Specific Waiting Period: Specific waiting period of 2 years is applicable for the list of specified treatments/surgeries under the policy contract.
Pre-existing waiting period: 48 months waiting period are applicable for covering pre-existing diseases.

Sub Limits

Age (as on last birthday)
Adult: 18 years, Children: 16 days
Adult: 65 years, children: 25 years
Sum Assured
3 Lacs
25 Lacs
Cover Type
Family Floater
Policy Tenure
1 year
1 year
Grace Period
30 days
Free Look Period
15 days


Dental Treatment.

Convalescence benefit.

Maternity related expenses.

Expenses incurred for Lasik laser.

Cosmetic & Aesthetic Surgeries, etc.

*T&C Apply. Insurance is the subject matter of soliciation.