Star Family Health Optima Insurance Plan

*Please note that the quotes shown will be from our partners

Star Health Family Health Optima Insurance Overview:

Family Health Optima from Star Health is a health insurance plan that gives protection for the entire family for a single premium under a single sum insured which 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.
  • 400 Day Care procedures/Expenses for Health Check-up.
  • Covers expenses for new born Baby/ Domiciliary hospitalization.
  • Donor expenses against organ transplantation: Up to a limit of 10% of the Sum Insured or Rupees One lakh, whichever is less
  • 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.
  • For emergency transportation, ambulance charges up to a sum of Rs.750/- per hospitalization and overall limit of Rs.1500/- per policy period are covered
  • 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.

Tax Benefits Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act

Free look period:

  • It is a period for reviewing terms and conditions and making a judicious review. Cancellation in case of dissatisfaction can also be opted for in which case company will make due refunds.

Portability:

If the insured wants to port the policy to another towards renewal, application in the appropriate form should be made to the Company at least 45 days before from the date of renewal.

Premium chart for ZONE 1:

Plan

Age in years /

2 LACS

3 LACS

4 LACS

5 LACS

10 LACS

15 LACS

 

 

Sum Insured

 

 

 

 

 

 

 

 

(in Rs.)

 

 

 

 

 

 

 

 

16days-35

5,595

5,895

6,770

7,535

9,800

11,610

 

 

36-45

6,955

7,320

8,120

9,165

11,915

14,120

 

 

46-50

10,595

11,150

11,640

14,500

18,850

22,335

 

2A

51-55

13,240

13,940

14,550

18,125

23,565

27,920

 

56-60

15,890

16,725

17,460

21,750

28,275

33,505

 

 

61-65

20,655

21,745

22,700

26,100

33,930

40,205

 

 

66-70

24,785

26,090

27,240

31,320

40,715

48,250

 

 

71-75

29,745

31,310

32,685

37,585

48,860

57,900

 

 

76-80

35,690

37,570

39,220

45,100

58,630

69,480

 

 

Above 80

42,830

45,085

47,065

54,120

70,355

83,375

 

 

16days-35

6,930

7,295

8,315

9,850

12,215

14,475

 

 

36-45

8,070

8,495

9,500

10,850

14,105

16,715

 

 

46-50

11,400

12,000

13,230

15,750

20,475

24,265

 

2A+1C

51-55

14,250

15,000

16,440

19,690

25,595

30,330

 

56-60

17,100

18,000

19,725

23,625

30,715

36,395

 

 

61-65

22,230

23,400

24,655

28,350

36,855

43,675

 

 

66-70

26,675

28,080

29,590

34,020

44,225

52,410

 

 

71-75

32,010

33,695

35,505

40,825

53,070

62,890

 

 

76-80

38,415

40,435

42,605

48,990

63,685

75,465

 

 

Above 80

46,095

48,520

51,125

58,785

76,425

90,560

 

 

16days-35

8,885

9,355

10,225

12,350

15,560

18,440

 

 

36-45

10,160

10,695

11,300

13,500

17,550

20,795

 

 

46-50

13,205

13,900

14,995

17,950

23,335

27,650

 

2A+2C

51-55

16,505

17,375

18,445

22,440

29,170

34,565

 

56-60

19,810

20,850

22,135

26,925

35,005

41,480

 

 

61-65

23,770

25,020

26,560

32,310

42,005

49,775

 

 

66-70

28,525

30,025

31,870

38,770

50,405

59,730

 

 

71-75

34,225

36,030

38,245

46,525

60,485

71,675

 

 

76-80

41,075

43,235

45,895

55,830

72,580

86,010

 

 

Above 80

49,285

51,880

55,075

67,000

87,095

1,03,210

 

 

16days-35

10,220

10,760

11,760

14,200

18,465

21,205

 

 

36-45

11,685

12,300

12,995

15,525

20,185

23,915

 

 

46-50

15,185

15,985

17,245

20,645

26,835

31,800

 

2A+3C

51-55

18,980

19,980

20,890

25,805

33,545

39,750

 

56-60

22,780

23,975

25,110

30,965

40,255

47,700

 

 

61-65

27,335

28,775

30,545

37,155

48,305

57,240

 

 

66-70

32,800

34,530

36,650

44,590

57,965

68,690

 

 

71-75

39,360

41,435

43,980

53,505

69,555

82,425

 

 

76-80

47,235

49,720

52,780

64,205

83,470

98,910

 

 

Above 80

56,680

59,665

63,335

77,050

1,00,160

1,18,690

 

 

16days-35

5,040

5,305

6,095

6,785

8,820

10,450

 

 

36-45

5,785

6,090

6,910

7,790

10,130

12,710

 

 

46-50

8,905

9,375

9,635

12,235

15,905

20,105

 

1A+1C

51-55

10,935

11,510

11,930

14,900

19,370

24,970

 

56-60

13,865

14,595

14,995

18,490

24,035

30,155

 

 

61-65

18,590

19,570

20,230

23,490

30,535

36,185

 

 

66-70

22,310

23,480

24,275

28,190

36,645

43,425

 

 

71-75

26,770

28,180

29,130

33,825

43,975

52,110

 

 

76-80

32,125

33,815

34,955

40,590

52,770

62,530

 

 

Above 80

38,550

40,575

41,945

48,710

63,320

75,035

 

 

16days-35

6,235

6,565

7,485

8,865

11,525

13,025

 

 

36-45

7,005

7,375

8,550

9,645

12,540

15,045

 

 

46-50

10,195

10,730

11,490

14,175

18,430

21,835

 

1A+2C

51-55

12,825

13,500

13,940

17,720

23,035

27,295

 

56-60

15,390

16,200

17,040

20,290

26,375

32,755

 

 

61-65

20,005

21,060

22,190

25,515

33,170

39,305

 

 

66-70

24,010

25,270

26,630

30,620

39,805

47,165

 

 

71-75

28,810

30,325

31,955

36,740

47,765

56,600

 

 

76-80

34,570

36,390

38,345

44,090

57,315

67,920

 

 

Above 80

41,485

43,670

46,015

52,910

68,780

81,505

 

 

 

 

 

 

 

 

 

 

 

Plan

Age in years /

2 LACS

3 LACS

4 LACS

5 LACS

10 LACS

15 LACS

 

Sum Insured

 

 

 

 

 

 

 

(in Rs.)

 

 

 

 

 

 

 

16days-35

7,940

8,360

9,205

11,735

14,300

16,595

 

36-45

8,695

9,150

9,570

12,825

15,675

18,715

 

46-50

11,505

12,110

12,520

17,055

22,170

24,885

1A+3C

51-55

13,905

14,640

15,055

20,195

26,250

31,110

56-60

16,860

17,745

18,175

23,200

30,155

37,330

 

61-65

21,390

22,520

23,405

29,080

37,805

44,795

 

66-70

25,670

27,020

28,085

34,895

45,365

53,755

 

71-75

30,805

32,425

33,700

41,875

54,435

64,505

 

76-80

36,965

38,910

40,440

50,250

65,325

77,410

 

Above 80

44,360

46,695

48,530

60,300

78,390

92,890

Premium chart for ZONE 2:

Plan

Age in years /

2 LACS

3 LACS

4 LACS

5 LACS

10 LACS

15 LACS

 

 

Sum Insured

 

 

 

 

 

 

 

 

(in Rs.)

 

 

 

 

 

 

 

 

16days-35

4,510

5,010

6,095

6,405

8,820

10,450

 

 

36-45

5,600

6,225

7,310

7,790

10,725

12,710

 

 

46-50

8,530

9,480

10,475

12,325

16,965

20,105

 

2A

51-55

10,660

11,845

13,595

15,405

21,205

25,130

 

56-60

13,505

14,215

16,215

18,490

25,450

30,155

 

 

61-65

17,925

18,480

20,430

23,490

30,535

36,185

 

 

66-70

22,975

23,480

24,515

26,620

36,645

43,425

 

 

71-75

27,335

28,180

29,415

31,945

43,975

52,110

 

 

76-80

32,800

33,815

35,300

38,335

52,770

62,530

 

 

Above 80

39,360

40,575

42,360

46,005

63,320

75,035

 

 

16days-35

5,580

6,200

7,485

8,375

10,995

13,025

 

 

36-45

6,500

7,220

8,550

9,225

12,695

15,045

 

 

46-50

9,180

10,200

11,905

13,390

18,430

21,835

 

2A+1C

51-55

11,475

12,750

14,795

16,735

23,035

27,295

 

56-60

14,380

15,300

18,740

21,265

27,640

32,755

 

 

61-65

19,295

19,890

22,190

24,100

33,170

39,305

 

 

66-70

24,730

25,270

26,630

27,310

39,805

47,165

 

 

71-75

29,415

30,325

31,955

32,775

47,765

56,600

 

 

76-80

35,300

36,390

38,345

39,325

57,315

67,920

 

 

Above 80

42,360

43,670

46,015

47,195

68,780

81,505

 

 

16days-35

7,155

7,950

9,205

10,500

14,005

16,595

 

 

36-45

7,700

8,555

10,170

11,475

15,795

18,715

 

 

46-50

10,635

11,815

13,495

15,260

21,000

24,885

 

2A+2C

51-55

13,290

14,770

16,600

19,070

26,250

31,110

 

56-60

16,305

17,725

19,920

22,885

31,500

37,330

 

 

61-65

20,630

21,265

23,905

27,465

37,805

44,795

 

 

66-70

26,440

27,020

28,685

31,125

45,365

53,755

 

 

71-75

31,455

32,425

34,420

37,350

54,435

64,505

 

 

76-80

37,745

38,910

41,305

44,820

65,325

77,410

 

 

Above 80

45,295

46,695

49,565

53,785

78,390

92,890

 

 

16days-35

8,230

9,145

10,585

12,070

16,615

19,085

 

 

36-45

9,410

10,455

11,695

13,195

18,165

21,525

 

 

46-50

12,230

13,585

15,520

17,545

24,150

28,620

 

2A+3C

51-55

14,385

15,985

18,800

21,935

30,190

35,775

 

56-60

18,225

19,180

22,600

26,320

36,230

42,930

 

 

61-65

22,865

24,455

27,490

31,585

43,475

51,515

 

 

66-70

29,310

31,075

32,985

35,795

52,170

61,820

 

 

71-75

34,865

37,290

39,585

42,955

62,600

74,185

 

 

76-80

41,840

44,750

47,500

51,545

75,120

89,020

 

 

Above 80

50,205

53,695

57,000

61,850

90,145

1,06,825

 

 

Plan

Age in years /

2 LACS

3 LACS

4 LACS

5 LACS

10 LACS

15 LACS

 

Sum Insured

 

 

 

 

 

 

 

(in Rs.)

 

 

 

 

 

 

 

16days-35

3,820

4,245

5,485

5,765

7,935

9,405

 

36-45

4,190

4,870

6,220

6,625

9,115

11,440

 

46-50

6,225

7,500

8,670

10,400

14,315

18,095

1A+1C

51-55

7,550

9,205

10,735

12,590

17,435

22,470

56-60

9,980

11,675

13,495

15,715

21,630

27,140

 

61-65

14,970

16,635

18,205

19,965

27,485

32,570

 

66-70

19,185

21,135

21,845

22,630

32,980

39,080

 

71-75

22,825

25,360

26,215

27,155

39,575

46,900

 

76-80

27,390

30,435

31,460

32,585

47,490

56,275

 

Above 80

32,865

36,520

37,750

39,100

56,990

67,530

 

16days-35

5,025

5,580

6,735

7,535

10,370

11,725

 

36-45

5,580

6,270

7,695

8,200

11,285

13,540

 

46-50

7,640

8,585

10,345

12,050

16,585

19,655

1A+2C

51-55

9,290

10,800

12,545

15,060

20,730

24,565

56-60

11,290

13,770

15,335

17,245

23,735

29,480

 

61-65

15,880

17,900

19,970

21,690

29,855

35,375

 

66-70

20,350

22,745

23,965

24,580

35,825

42,450

 

71-75

24,210

27,295

28,760

29,495

42,990

50,940

 

76-80

29,050

32,755

34,510

35,395

51,585

61,130

 

Above 80

34,860

39,305

41,415

42,475

61,900

73,355

 

16days-35

6,395

7,105

8,280

9,975

12,870

14,935

 

 

 

 

 

 

 

 

 

36-45

6,590

7,320

8,615

10,390

14,105

16,845

 

46-50

8,885

9,870

11,270

13,640

19,950

22,400

1A+3C

51-55

10,735

11,930

13,400

16,460

23,625

28,000

56-60

12,870

14,460

16,265

19,020

27,140

33,595

 

61-65

16,845

19,140

21,065

24,715

34,020

40,315

 

66-70

21,590

24,320

25,275

28,015

40,825

48,380

 

71-75

25,680

29,185

30,330

33,615

48,990

58,055

 

76-80

30,820

35,020

36,395

40,340

58,790

69,665

 

Above 80

36,980

42,025

43,675

48,405

70,550

83,600

 

Premium chart for ZONE 3:

 

Plan

Age in years /

2 LACS

3 LACS

4 LACS

5 LACS

10 LACS

15 LACS

 

 

Sum Insured

 

 

 

 

 

 

 

 

(in Rs.)

 

 

 

 

 

 

 

 

16days-35

4,060

4,510

5,485

5,765

7,935

9,405

 

 

36-45

5,040

5,600

6,580

7,015

9,655

11,440

 

 

46-50

7,675

8,530

9,430

11,095

15,270

18,095

 

2A

51-55

9,595

10,660

12,235

13,865

19,085

22,615

 

56-60

12,155

12,795

14,595

16,640

22,905

27,140

 

 

61-65

16,135

16,635

18,385

21,140

27,485

32,570

 

 

66-70

20,680

21,605

22,060

23,960

32,980

39,080

 

 

71-75

24,600

25,360

26,475

28,750

39,575

46,900

 

 

76-80

29,520

30,435

31,770

34,500

47,490

56,275

 

 

Above 80

35,425

36,520

38,125

41,405

56,990

67,530

 

 

16days-35

5,025

5,580

6,735

7,535

9,895

11,725

 

 

36-45

5,850

6,500

7,695

8,300

11,425

13,540

 

 

46-50

8,260

9,180

10,715

12,050

16,585

19,655

 

2A+1C

51-55

10,330

11,475

13,315

15,060

20,730

24,565

 

56-60

12,945

13,770

16,865

19,135

24,875

29,480

 

 

61-65

17,365

17,900

19,970

21,690

29,855

35,375

 

 

66-70

22,255

23,250

23,965

24,580

35,825

42,450

 

 

71-75

26,475

27,295

28,760

29,495

42,990

50,940

 

 

76-80

31,770

32,755

34,510

35,395

51,585

61,130

 

 

Above 80

38,125

39,305

41,415

42,475

61,900

73,355

 

 

  • Service Tax Extra
  • To calculate premium, age of the oldest family member covered should be taken in consideration.

*The above rates may vary. Please check the policy wordings for more details.

Zone 1: Delhi including National Capital Region, Mumbai including Thane and the State of Gujarat

Zone 2: Bangalore, Chennai, Coimbatore, Pune and State of Kerala

Zone 3: Rest of India excluding areas falling under Zone 1 and Zone 2

 

Plan

Age in years /

2 LACS

3 LACS

4 LACS

5 LACS

10 LACS

15 LACS

 

Sum Insured

 

 

 

 

 

 

 

(in Rs.)

 

 

 

 

 

 

 

16days-35

6,440

7,155

8,280

9,450

12,605

14,935

 

36-45

6,930

7,700

9,155

10,330

14,215

16,845

 

46-50

9,570

10,635

12,145

13,730

18,900

22,400

2A+2C

51-55

11,965

13,290

14,940

17,165

23,625

28,000

56-60

14,675

15,950

17,925

20,600

28,350

33,595

 

61-65

18,565

19,140

21,515

24,715

34,020

40,315

 

66-70

23,795

24,860

25,815

28,015

40,825

48,380

 

71-75

28,310

29,185

30,980

33,615

48,990

58,055

 

76-80

33,970

35,020

37,175

40,340

58,790

69,665

 

Above 80

40,765

42,025

44,610

48,405

70,550

83,600

 

16days-35

7,405

8,230

9,525

10,865

14,955

17,175

 

36-45

8,470

9,410

10,525

11,875

16,350

19,370

 

46-50

11,005

12,230

13,970

15,790

21,735

25,760

2A+3C

51-55

12,950

14,385

16,920

19,740

27,170

32,195

56-60

16,400

17,265

20,340

23,685

32,605

38,635

 

61-65

20,580

22,010

24,740

28,425

39,125

46,365

 

66-70

26,380

28,590

29,690

32,215

46,950

55,635

 

71-75

31,380

33,560

35,625

38,660

56,340

66,765

 

76-80

37,655

40,275

42,750

46,390

67,610

80,115

 

Above 80

45,185

48,330

51,300

55,665

81,130

96,140

 

16days-35

3,435

3,820

4,935

5,190

7,145

8,465

 

36-45

3,770

4,385

5,595

5,960

8,205

10,295

 

46-50

5,605

6,750

7,805

9,360

12,885

16,285

1A+1C

51-55

6,795

8,285

9,665

11,330

15,690

20,225

56-60

8,985

10,505

12,145

14,145

19,465

24,425

 

61-65

13,475

14,970

16,385

17,970

24,735

29,310

 

66-70

17,270

19,445

21,040

21,790

29,680

35,175

 

71-75

20,540

22,825

25,245

26,150

35,620

42,210

 

76-80

24,650

27,390

30,295

31,380

42,740

50,650

 

Above 80

29,580

32,865

36,355

37,655

51,290

60,780

 

16days-35

4,520

5,025

6,060

6,780

9,335

10,550

 

36-45

5,020

5,640

6,925

7,380

10,155

12,185

 

46-50

6,875

7,725

9,310

10,845

14,925

17,690

1A+2C

51-55

8,360

9,720

11,290

13,555

18,660

22,110

56-60

10,160

12,395

13,800

15,520

21,365

26,530

 

61-65

14,290

16,110

17,975

19,520

26,865

31,840

 

66-70

18,315

20,925

23,080

23,670

32,240

38,205

 

71-75

21,790

24,565

27,695

28,405

38,690

45,845

 

76-80

26,145

29,475

33,235

34,085

46,425

55,015

 

Above 80

31,375

35,375

39,880

40,900

55,710

66,020

 

16days-35

5,755

6,395

7,455

8,975

11,580

13,445

 

36-45

5,930

6,590

7,750

9,350

12,695

15,160

 

46-50

7,995

8,885

10,140

12,280

17,955

20,160

1A+3C

51-55

9,665

10,735

12,060

14,810

21,265

25,200

56-60

11,585

13,015

14,640

17,120

24,425

30,235

 

61-65

15,160

17,225

18,955

22,245

30,620

36,285

 

66-70

19,430

22,375

24,340

26,975

36,745

43,540

 

71-75

23,115

26,265

29,210

32,370

44,095

52,250

 

76-80

27,735

31,520

35,050

38,845

52,910

62,700

 

Above 80

33,285

37,820

42,060

46,615

63,495

75,240

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

For Zone 2 and Zone 3

  • 25% of the basic sum insured option of Rs.3 Lacs and Rs.4 Lacs.
  • 30% 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

Recharge amount cannot be carried forward by the policyholder. Also both the Recharge & Restore benefits cannot be utilized together for a single hospitalization

Star Health Family Optima Insurance Renewal policy:

Renewal is allowed except on superfluous or fraudulent grounds.

A grace period of 30 days from the date of expiry of policy should be maintained. Changes in sum assured are applicable only at the time of the renewal.

If policy is withdrawn or modified the insured is to be informed three months before such incident.

Exclusions under plan by Star Health Family Health Optima:

  • Pre Existing diseases as mentioned.
  • Disease that creeps into the insured during the first 30 days of the policy period. Also expenses of defined and related diseases as mentioned would not be borne during the first two years of continuous operation of insurance.
  • Dental treatment or surgery (excluding accidental damages).
  • Injury due to nuclear weapons and war or breach of law on an intentional basis.
  • Expenses on Vitamins and tonics not part of the treatment schedule.
  • Hospital registration and admission charges, record and telephone charges.

Star Health Family Optima Cancellation Policy:

Misrepresentation, fraud, moral hazard or non-cooperation on behalf of the insured might lead to cancellation of policy making way for appropriate refund.

Period on risk

Rate of Premium to be retained by the insurer

Up to 1 month

1/3rd of annual premium

Up to 3 month

1/2 of annual premium

Up to 6 month

3/4th of annual premium

Exceeding 6 months

Full annual premium

*The above rates may vary. Please check the policy wordings for more details.