Star Health Insurance for Family

Star Family Health Optima Insurance is a family floater policy that offers an extensive coverage to the whole family under the sum insured limit of Rs 25 Lakh. It includes coverage benefits like new-born baby cover, donor expense cover, assisted reproductive treatment, and domiciliary hospitalization. The details of this star mediclaim policy for family is given below:

Features of Star Health Insurance for Family

  • Availability of both individual and family floater plans
  • No involvement of a third party administrator
  • Star health provides direct in-house settlement of claims
  • A seamless process to avail cashless hospitalization in more than 9900 hospitals throughout India
  • The insurer’s claim settlement service is quick and hassle-free
  • Pre-acceptance medical screening is only required for people above the age of 50 years
  • Easy online purchase and renewal procedure


Network Hospitals




Number of Claims Settled 

4.9 million

Claim Settlement Ratio


Eligibility Criteria

Adults between the age group of 18 and 65 years can be insured under Star Family Health Optima Insurance plan. Children from 16 days up to 25 years can be covered.

Inclusions of Star Health Insurance for Family

  • Sum insured option ranges from Rs 1 Lakh to Rs 25 Lakh
  • Minimum entry age is 18 years with lifetime renewal option
  • It is a family floater policy that offers coverage to parents and children including new-born baby cover
  • 30 days of initial waiting period from the policy inception date
  • In-patient hospitalization expenses are covered including Operation theatre charges
  • All the daycare treatments can be claimed
  • Organ donor transplantation charges are covered
  • Pre and post hospitalization expenses  to be reimbursed for 60 days and 90 days respectively
  • Domiciliary hospitalization expenses covered up to the sum assured limit after 3 days of treatment at home
  • Air ambulance cover is provided up to 10% of the basic sum insured for sum insured amount above Rs 5 Lakh
  • Add-on cover for Emergency Domestic Medical Evacuation, compassionate travel, Ayush treatment, and coverage for new-born baby cover

Exclusions of Star Health Insurance for Family

  • Pre-existing diseases are not covered until the completion of the waiting period of 48 months
  • Injury or illness arising out of war or nuclear radiations
  • Cosmetic surgery, surgery for changing sex, plastic surgery etc.
  • For detailed list please refer to the policy wordings.

To know more about this Star mediclaim policy and other insurance products you can get in touch with our customer care team.

Written By: PolicyBazaar - Updated: 06 October 2020
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