Star Health Family health Optima insurance plan is a complete health insurance solution, which covers the entire medical expenses of the family in a single plan. Star health optima is considerable saving in cost as it cover entire family in a plan. family health optima insurance plan benefits
Table of Contents
Highlights of the Star Family Health Optima
- family floater policy at an affordable premium
- get extra sum insured at no extra cost
- health check up benefit for every claim free year
- three times automatic Restoration of sum insured by 100% each time upon complete exhaustion
- cover the assistive assisted reproductive treatment
- newborn baby cover from 16th day
- transplantation donor expenses for organ transplantation
- all day care procedures are covered
- Grace period of 120 days from the date of expiry of policy is available for renewal
Star Family Health Optima Insurance Plan Details- What is Covered?
Family health optima plan is specially designed to meet the entire family health insurance needs. Therefore dependent parents and parents in law can be added in the plan along with dependent children.
The plan covers for basic hospitalization expenses with lifelong renewal. The plan covers boarding expenses, medicine bills etc. in the plan.
Family health Optima insurance plan benefits
- Premium can be paid in installments: one can pay the premium in monthly, quarterly, half yearly or yearly installments also. Therefore people with low affordability can also purchase the cover.
- Assisted reproduction treatment One can avail assisted reproduction treatment provided the policy is continued from last 3 years. The facility is available again after every block of 3 years.
- Even new born babies can be covered from 16th day after its birth provided mother is covered under the policy for at least 1 year. However the coverage is for 10% of sum insured and maximum Rs. 50000 only..
- No claim bonus of 25% in second year and 10% from subsequent years. Maximum accumulation up to 100%only.
- One can avail Automatic restoration 3 times in a policy year for unrelated disease. However, this facility is only available for sum assured 3 lac and above.
- For road traffic accidents additional sum insured shall be available after exhaustion of the limit of coverage however this additional coverage is for 25% of some insured maximum of five lakh.
- Immediate recharge of the sum insured – if cover under the policy is exhausted than it can be recharged by Rs. 75000 for 3 lakh SA, Rs. 1 lakh for 4 lac SA, 5 lac and above -1.5 lac.
Family Health Optima insurance Plan Review
The Family Health Optima plan is a good plan for a family person. It is specially beneficial for newly wed couples who may require to cover the new born babies and assisted reproduction treatment. One get all the benefits like pre and post hospitalization benefit, 3 times automatic restoration, recharge benefit and and other more benefits as explained above.
However people above 61 should not buy the plan because of the co payment clause. Even it is not suitable for people who require coverage for any kind of preexisting disease as waiting period is quite high .
Additional Reading
HDFC Optima Secure vs Optima Restore – Which one to buy The most read Plan comparison
One can alternatively increase the sum assured cost effective way by adding a super top up plan to the base plan.
Health Insurance-Which is better family floater or individual
How to decide health insurance cover amount?
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