Network hospitals
14000+
Incurred claim ratio
65%
Sum insured
Up to 1 Cr
No. of Plans
1
Solvency Ratio
2.0
Pan India Presence
850+
A supersaver policy covering every family member.
Star Family Health Optima is a strategically priced family health insurance plan. It offers comprehensive medical coverage to fulfil different healthcare needs of customers at affordable premiums. This plan by Star health insurance provides a wide coverage including in-patient hospitalization, pre and post-hospitalization, cover for daycare procedures, ambulance charges, and many more. Family Health Optima Insurance planalso allows its customers to maintain personal health records in an electronic format.
The list of coverage under this Family Health Optima Insurance Plandoesn't stop here, but it extends to several benefits as well such as annual health check-ups, auto recharge, no-claim bonus, coverage for modern treatment, and much more.All the features and benefits combined together make this plan one of the perfect health insurance plans for the family.
To understand Star Family Health Optima Insurance in detail, take a look at the below table:
18 to 65 Years
Individual and Family Health Insurance
1L | 2L | 3L | 4L | 5L | 10L | 15L | 20L | 25L
30 Days
Lifelong
upto 3 years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Read more specifications in the brochure.
With wide coverage options available, Star Family Health Optima Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Covered
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Covered
Automatic Restoration
Covered
Daily Hospital Cash
Not Covered
Organ Donor
Covered
Maternity Cover
Not Covered
New Born Baby Cover
Covered
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Covered
Global Coverage
Not Covered
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Not Covered
Co-payment
Applicable
Sub-limits
Applicable
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
Star Health Insurance Plan Detailed Review
All about Star Health Insurance and Plans
Star Family Health Optima Plan 2024
Star Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Star Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
For a better understanding of how much premium you need to pay under the Star Health Optima Insurance, we at PolicyX.com have calculated the premium amount for different sum insured options based on different family sizes. Refer to the table below:
Sum Insured (Rs.) | 5L | 10L | 15L | 20L | 25L |
Premium Payable | 13,158 | 16,443 | 19,405 | 21,729 | 23,906 |
Sum Insured (Rs.) | 5L | 10L | 15L | 20L | 25L |
Premium Payable | 16,178 | 20,226 | 23,865 | 26,733 | 29,406 |
Sum Insured (Rs.) | 5L | 10L | 15L | 20L | 25L |
Premium Payable | 19,205 | 24,007 | 28,332 | 31,730 | 34,904 |
There is a list of certain conditions that Star Optima Health Insurance doesn't cover. A few of them are listed below-
Permanent diseases or health conditions that are not included under Star Health Family Health Optima are:
Intentional self-injury,
Mental illness,
Cosmetic & aesthetic treatment,
Dental surgery,
AIDS,
Miscarriage, and abortion,
Congenital disease,
Infertility and in vitro fertilization,
Hospitalization out of war, riot, strike, and nuclear weapons.
Certain diseases and treatments are covered under Family Health Optima insurance plan after a certain time period. Read the details below:
Listed ailments after 24 Months
Pre-existing diseases after 48 Months
To cater to the different medical needs of an individual & their family, Star Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Star Health Insurance plans explore more:
Critical Illness Health Insurance
Star Health Diabetes Safe Health Insurance Plan is a unique plan designed to offer coverage to individuals with diabetes both Type 1 and type 2. The p...
Unique Features
Senior Citizen Health Insurance
Star Health Premier Insurance Policy is a unique health plan designed to cover individuals who are 50 years and above with no maximum entry age limit....
Unique Features
Critical Illness Health Insurance
Star Cancer Care Platinum Insurance Policy is designed to cater to cancer patients. The plan helps the insured individual's family to be financially p...
Unique Features
Critical Illness Health Insurance
Star Critical Illness Multipay Insurance Policy is designed to cater to individuals by providing them with a lump sum coverage on the diagnosis of any...
Unique Features
Individual and Family Health Insurance
Star Hospital Cash Insurance Policy is designed to provide insured individuals with additional protection and takes care of incidental expenses such a...
Unique Features
Critical Illness Health Insurance
Ms. Aneesha, a 53-year-old working woman residing in Indore requires heart transplant surgery due to multiple cardiac ailments. However, since Ms. Ane...
Unique Features
Individual and Family Health Insurance
A unique health insurance plan designed by Star Health Insurance to provide medical coverage to individuals with disabilities and HIV/AIDS. Star Speci...
Unique Features
Top Up and Super Top Up
Star Extra Protect insurance plan is an add-on cover under Star Health Insurance that enhances the limitations imposed on your existing base policy. Y...
Unique Features
Individual and Family Health Insurance
Star Smart Health Pro policy is a newly launched digital plan by Star Health Insurance for customers who want a truly customizable health insurance pl...
Unique Features
Individual and Family Health Insurance
Get comprehensive coverage at affordable premiums. Star Comprehensive insurance policy is a complete health insurance plan that looks after all t...
Unique Features
Individual and Family Health Insurance
Medi classic insurance policy provides cover for hospitalization expenses incurred as a result of illness/disease/sickness and/or accidental injuries ...
Unique Features
Individual and Family Health Insurance
Gift yourself the Star Women Care Insurance Policy, because we all know your responsibilities are endless and you need the best health to face them wi...
Unique Features
Individual and Family Health Insurance
Young Star Extra Protect add-on cover policy is applicable for the Young Star insurance policy and acts as an enhancer for the benefits of the base in...
Unique Features
Top Up and Super Top Up
A top-up plan for added coverage at affordable costs Star Super Surplus Insurance Policy is a top-up health insurance plan offering surplus coverage a...
Unique Features
Critical Illness Health Insurance
Medical insurance designed specially for heart patients. Star Health Cardiac Care Health Insurance plan is the perfect medical policy for individuals ...
Unique Features
Individual and Family Health Insurance
Star micro rural and farmers care is an individual and family floater plan with a sum insured of 1L and 2L respectively for individual and family floa...
Unique Features
Individual and Family Health Insurance
A supersaver policy covering every family member. Star Family Health Optima is a strategically priced family health insurance plan. It offers comprehe...
Unique Features
Senior Citizen Health Insurance
Perfect plan to secure your old age from medical expenses. Star Senior Citizens Red Carpet Health Insurance Plan is designed to cater to the healthcar...
Unique Features
Critical Illness Health Insurance
Star Health has introduced Star Novel Coronavirus (nCoV) (COVID-19) Insurance policy. The policy provides coverage for the expenses incurred during th...
Unique Features
Individual and Family Health Insurance
Young Star Insurance Policy is tailor-made for youngsters up to 40 years. This plan is available on an individual and family floater basis with t...
Unique Features
Individual and Family Health Insurance
Star Health Arogya Sanjeevani is a Health Insurance that safeguards you and your family from the financial burden and stress during hospitalization. A...
Unique Features
Individual and Family Health Insurance
Star Health Gain Insurance Policy offered by Star Health is a medical insurance policy which is designed specifically to provide the best possible med...
Unique Features
Senior Citizen Health Insurance
Star Health Insurance for Senior Citizens is exclusively designed for senior citizens who want to meet high medical costs by paying a yearly premium....
Unique Features
Individual and Family Health Insurance
Star Health Insurance plans for a family are a golden investment when it comes to securing the future of your loved ones. Star family plans are d...
Unique Features
Individual and Family Health Insurance
Turning sixty is a major milestone for a person. It is time to become more careful about one’s health. Any kind of illness can bring in a lot of...
Unique Features
Critical Illness Health Insurance
It is good to be prepared by having a health insurance policy that will take care of the medical and other expenses in case of illness. But, then the ...
Unique Features
Individual and Family Health Insurance
Motherhood is a rewarding and fulfilling journey, it marks the start of a very important and exciting chapter in your life, but it also comes with its...
Unique Features
Accident Health Insurance
Star Health Accident Policy provides optimal care and cover in case of any unfortunate accidents. Accidents are an uninvited inconvenience in any indi...
Unique Features
Individual and Family Health Insurance
Most often health insurance plans inadequately cover OPD (out-patient department) expenses for an insurance holder, however, Star Outpatient Care is a...
Unique Features
Critical Illness Health Insurance
Star Criticare Plus Policy falls under a dual benefit plan, as policyholders can get the coverage of health insurance and as well as critical illnesse...
Unique Features
Individual and Family Health Insurance
Star health special care is a unique plan providing indemnity cover to individuals diagnosed with Autism and it is an individual plan. Star health spe...
Unique Features
Top Up and Super Top Up
Top-up health plans from Star Health Insurance can help you protect your health in the event of a medical emergency after you have exhausted the ...
Unique Features
Critical Illness Health Insurance
Cancer is a deadly and difficult disease to deal with, causing patients and their families to struggle emotionally, physically, and psychologically. C...
Unique Features
Critical Illness Health Insurance
The burden of medical expenses for cancer treatment can be overwhelming leaving the individuals and their families under financial strain. Star Cancer...
Unique Features
Individual and Family Health Insurance
Star Health Assure Insurance Policy is a versatile 360-degree health insurance plan providing wide coverage for self, spouse, dependent children, pare...
Unique Features
Individual and Family Health Insurance
Star Health Insurance Company has launched one of the most revolutionary insurance plans - the Super Star Health Plan. It has the flexibility to custo...
Unique Features
You can make any number of claims until your sum insured is not exhausted.
Yes you can change the sum insured during Star Family Health Optima insurance tenure, but only at the time of renewals. However, changing your sum insured may affect your coverage and benefits.
Pre-acceptance Medical examination refers to the medical check-up requested by health insurers before providing coverage to a person. This minimizes their risk in covering a person. Under Star Health Optima, a person above 50 years and those with adverse medical conditions are required to undergo a pre-acceptance medical checkup.
Under Star Family Optima plan, the policyholder will get the benefit of 25% increase in the Sum Insured subject to a maximum of 10 Lakhs in case insured person meets with a Road Traffic Accident resulting in in-patient hospitalization.
Repatriation of remains is a benefit that provides coverage for the transportation of the covered individual’s bodily remains back to his/her residing place, in the event of a covered illness or injury that results in death. Star Health Insurance Family Health Optima will reimburse up to Rs.5,000 per policy period towards the cost of repatriation of mortal remains of the insured person.
Yes, expenses incurred on Assisted Reproduction Treatments in case of sub-fertility will be reimbursed by Star Optima Star Health Insurance. The maximum coverage provided by the plan for such treatments will be up to 2 L, depending on the SI you choose.
Yes, Star Health Optima offers the feature of Shared Accommodation, wherein the company will pay you for each continuous and completed period of 24 hours of stay. The amount payable is up to INR 800 and 1,000 per day only for SI 3 Lakhs and upwards
See More Health Insurance Articles
See More Health Insurance Articles
4.4
Rated by 2632 customers
Select Your Rating
Let us know about your experience or any feedback that might help us serve you better in future.
You May Also Know About
Our experts will provide you with guidance and address all your concerns within 30 minutes.
Note: Choose your desired date and time slot and our expert will get in touch with you shortly.
In case you have not found your desired slot, you can visit at website and use the Request Call Back option.
You are just one step away from getting insurance.
Policyx offers a completely spam-free experience. We will never contact you unless you request us to do so.
Your call has been scheduled with Policyx for health insurance.
Talk to an advisor
February 5, 2023
Asia/Kolkata
Do you have any thoughts you’d like to share?