Insurance Type : Health Insurance   Availability : Online/Offline
Underwritten by : Star Health   Distributed by :

Star Health ‘Family Health Optima’

About Product:

Family Health Optima was launched in 2011 and was one of the earliest products to be offered by a stand-alone Health Insurer in India. The product works on indemnity principle of insurance and promises to pay the Inpatient medical expenses of Insured upto the chosen Sum Insured within a given policy period. In addition to the Inpatient expenses, it also pays all your related medical bills during the pre-hospitalization period of 30 days & upto Rs 5000 during the post-hospitalization period. Other important benefits include coverage of Day Care procedures, Ambulance fee, domiciliary treatment and Organ Donor expenses. This is not all. If you don’t claim in a policy year, the Insurer also rewards you with a No-claim Bonus of 10% of SI for the first claim free year which is extendable to 35% of SI for subsequent claim free years.

Only Floater option is available under Family Health Optima and maximum 4 members (2A+2C or 1A+3C) of a family can be covered in one family floater policy.

Restoration Benefit: - The Sum Insured is restored by 100% once during the policy year if the entire amount is exhausted. Restoration is subject to the amount being spent on a different illness or on a different Insured.

Premium paid towards Family Health Optima is exempt from taxable income under Sec 80 D of Income Tax Act.

Know more about your Insurance

Key features: Eligibility, Benefits and Pricing

Minimum Age at Entry : 18 years
Maximum Age at Entry : 65 years
Maximum Age at Renewal : Lifelong
Minimum Sum Assured : Rs 1 lac
Maximum Sum Assured : Rs 15 lac
Room-rent : Limits apply
Co-payment : 20% if >61 yrs
Maternity cover : N/A
Pre-Existing cover : after 4 years
Waiting Period : 30 Days

Premium for a Non-Smoker/Healthy Life (Incl of S.Tax)   (INR)

   Eldest member – 30 yr old male   Eldest member – 46 yr old male 
Members  SI
3 lacs
5 lacs
10 lacs
15 lacs
25 lacs
3 lacs
5 lacs
10 lacs
15 lacs
25 lacs
1A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
2A 4831 7736 10236 12230 N/A 10691 16820 23034 28820 N/A
2A+1C 6067 9079 13107 15719 N/A 12438 18067 24494 33607 N/A
2A+2C 7725 10848 15107 19978 N/A 13348 18551 26466 36068 N/A

How to ensure a smooth & hassle-free claim experience?

  1. Fill your proposal form very carefully to ensure accuracy & correctness of all relevant information like Name, DOB, Health status, policy details, contact information, nominee details, etc. Also cross-check the policy document for accuracy & correctness of the information provided. Immediately approach the Insurer, should you find any discrepancy in the data.

  2. Disclose all material facts clearly and be truthful about your health and lifestyle attributes (tobacco/alcohol consumption) related information. An affirmative declaration doesn’t mean that your policy will be rejected.

  3. Ensure that your family members are well-informed about the status of your policy. Keep the policy documents in a safe location and ensure that your family knows about it. In addition, it is advisable to keep your cashless ID card handy.

  4. Pay your premiums regularly & in time to keep your policy in force. Follow simple procedures like setting premium due date reminders for yourself by registering with and give your loved ones a stress-free future.

  5. Intimate your Insurer about hospitalization & seek pre-authorization. In case of planned treatment, it is advisable to intimate your Insurer 7 days before hospitalization and seek pre-authorization. This ensures hassle free cashless experience at the hospital. In case of emergency, please inform the Insurer within 24 hrs of admission and register your claim. Please note cashless facility is available only at network hospitals. If treatment is taken in a non-network hospital, medical bills have to be settled directly with the hospital and reimbursement sought by filing of claim with the Insurer within 7 days of discharge from the hospital.

Some key statistics for Star Health

Claims Settlement Ratio : 69%
Complaints Resolved Ratio : To be Published soon
Cashless Network : 5400 plus hospitals

General Health Insurance Tips

Understand the cost of healthcare in your city/area before deciding the total cover (Sum Insured)

If your family includes a young bride, you may want to check on maternity coverage

Ask about coverage of pre-existing diseases and look at the waiting period

Look at room rent eligibility, co-pay, deductible, and disease wise capping

Inquire about Network hospitals

Always compare before buying

Disclaimer: This is only an illustrative document to serve as a quick guide for aide in decision making. For line item details please refer the product brochure.

IRDAI License
Coretree Insurance Brokers (India) Pvt. Ltd.
IRDAI License Number - 437
Category: Direct (Life & General)
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