Star Health Family Health Optima Plan
Star Health Insurance
7.0/10
OneAssure Rating
7.0/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
Hospital room rent is covered based on the sum insured. Normal rooms have limits, while ICU charges are fully covered. Higher sum insured allows for a single standard A/C room.
Comprehensive Treatment Coverage
Covers advanced medical treatments, including robotic surgeries, oral chemotherapy, and stem cell therapy, ensuring access to cutting-edge healthcare solutions.
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Our Verdict
The Family Health Optima Plan offers comprehensive family coverage with restoration benefits, organ donor expenses, and advanced treatments. Ideal for families seeking extensive protection, but with a co-payment for those aged 61+.
About the Plan
The Family Health Optima Insurance Plan by Star Health provides comprehensive coverage for families under a single sum insured. It includes hospitalization, daycare procedures, and pre-existing condition coverage after a waiting period. The plan offers 100% sum insured restoration up to three times, air and road ambulance coverage, organ donor expenses, and assisted reproduction treatments. Additional benefits include a 10% loyalty bonus, free health check-ups, and second medical opinions. A 20% co-payment applies for those aged 61 and above. Flexible premium payment options are available.
About the Plan
Product Stats
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Features of the Product
Room Rent (Normal & ICU)
Normal: For the Sum insured from 1,00,000 to 2,00,000 the limit will be up to 2,000 per day.
For the Sum Insured from 3,00,000 to 4,00,000 the limit will be up to 5,000 per day.
For the Sum Insured from 5,00,000 to 25,00,000 the limit will be Single Standard A/C room.
ICU: Covered up to Sum Insured.
Advanced Treatments
Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy- Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchial Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.
Co-payment
Co-payment of 20% of each and every claim amount for fresh as well as policies for insured persons whose age at the time of entry is 61 years and above.
Waiting Periods
Pre-Existing Diseases- 36 Months
Specific Diseases - 24 Months
Initial Waiting Period- 30 Days
Cashless Healthcare Providers
13,000+ Health care providers
Day Care Treatments
All Day Care Procedures are covered.
AYUSH Treatment
Expenses incurred for the treatment under Ayurveda, Unani, Siddha and Homeopathy systems of medicines in AYUSH hospitals are covered up to the Sum Insured.
Exclusions
Hospital admissions primarily for diagnostic purposes.
Treatment related to pregnancy and infertility.
Procedures for circumcision, sex change, cosmetic, and plastic surgeries.
Correction of refractive errors, hearing impairments, and dental surgeries.
Treatment outside India.
Expenses related to substance abuse and self-inflicted injuries.
Charges for items like television, surcharges, attendant fees, extra diet, birth certificates, and courier services.
Exclusions
Modern Treatment Coverage - Includes advanced medical procedures like robotic surgeries and stem cell therapy.
Non-Medical Expenses Cover - Covers costs of consumables such as gloves and oxygen masks.
Add-ons
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
About the Company
Star Health and Allied Insurance was founded in 2006 by Dr. A. Sakthivel, and its headquarters is located in Chennai, Tamil Nadu.
Star Health and Allied Insurance is a leading health insurance company in India, offering a range of plans to suit diverse customer needs. They specialize in medical, critical illness, and accidental insurance, providing affordable coverage to individuals and families. The company aims to ensure access to quality healthcare through an extensive network of hospitals. With over a decade of experience, Star Health continues to innovate in the insurance space, focusing on customer-centric services and simplifying claim processes.
About the Company
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