Family Health Optima from Star Health is a health insurance plan that gives protection for the entire family at low cost & best service

Family Health Optima from Star Health is a health insurance plan that gives protection for the entire family on the payment of a single premium under a single sum insured. The sum insured floats among the family members insured. It's just one more way to tighten the family bonds.

Highlights

• Single policy, wider coverage for whole family at an affordable premium.
• Get extra sum insured (auto recharge) at no extra cost, up to 30%  of sum insured.
• Health Checkup costs up to Rs.5,000/- for every block of 3 years of policy coverage.
• Automatic restoration of entire Sum insured by 100%.
• New-born baby cover from 16th day.
• Donor expenses for organ transplantation.
• Domiciliary Hospitalization Expenses for treatment exceeding 3 days.
• Cover for over 400 day care procedures.

 Benefits


Recharge Benefit:
This benefit provides additional indemnity upto specified limits, when the sum insured under the policy is exhausted / exceeded. This can be utilized for any claim payable under the policy.

More than 400 Day Care procedures

Expenses incurred towards cost of Health Check up

Coverage for New born Baby

Coverage for Domiciliary hospitalization treatments

Donor expenses for organ transplantation

Bonus:
Bonus in respect of a claim-free year of insurance is allowable upto the limits specified. The bonus so granted will be reduced in the same order in which it was given following a claim. However the Basic sum insured shall not be reduced.


Automatic Restoration of Sum Insured:
Immediately upon exhaustion of the limit of coverage during the policy period, there shall be an automatic restoration of the basic sum insured by 100% where the sum insured is Rs.3,00,000/- and above.

Who Can Take This Insurance?

Any persons aged between 5 months and 65years, residing in India, can take this insurance.

Family Includes

Proposer, spouse, dependent children upto 25 years (those who are economically dependent on their parents)


Policy Benefits:

• Hospitalisation Cover Protects the insured for in - patient hospitalisation expenses for a minimum of 24 hrs.These expenses include room rent,nursing and boarding charges.
• Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Anesthesia, Blood, Oxygen, Operation Theatre charges, Cost of Pacemaker, Cost of Medicine and drugs etc.
• Ambulance charges for emergency transportation upto a sum of Rs.750/- per hospitalization and overall limit of Rs.1500/- per policy period.
• Pre Hospitalisation expenses upto 60 days prior to admission in the hospital.
• Post Hospitalisation expenses upto 90 days after discharge from the hospital.

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.

Star Advantages

No Third Party Administrator direct in-house claims settlement.

Faster & hassle-free claim settlement.

Cashless hospitalization. Whereever possible

Network of more than 6500 hospitals across India

Free expert medical consultation over phone

24 x 7 Toll Free Helpline


Personalised customer service available

For More Details contact : 9790958828 or 9042804851

Star Health Insurance Personal Accident Care Individual Policy for Low cost & best service

Accident come uninvited and they can unsettle your life and those of your loved ones. A little planning in this regard goes a long way.
  
Highlights

• Cover for Accidental death, Permanent Disability and Temporary Disablement.
• Compensation for Permanent Total Disablement is 150% of the sum insured.
• Enhanced weekly compensation up to Rs.15000/- per week (maximum 100 weeks).
• Educational Grant for dependent children
• Cumulative bonus 5% per annum maximum 50%

 Benefits


New Features:

• Introduced additional free benefits
• Hospital Cash – Optional benefits
• Home Convalescence – Optional benefits
• Medical Expenses Extension
• Coverage for Winter Sports

Policy Benefits:

• Table A – covers Accidental Death
• Table B – covers Accidental Death and Permanent Disablement
• Table C – covers Accidental Death, Permanent Disablement and Temporary Total Disablement (Weekly Compensation)

Additional Free Benefits:

• Educational Grant: Maximum of Rs.10,000/- per child upto 2 children in case of Death/Permanent Total Disability of the insured person
• Ambulance Charges / Transportation Expenses of Mortal Remains: The limit of Company’s liability is Rs.5,000/- only during the policy period.
• Travel Expenses for One Relative (Applicable for Death claims only): 1% of Total Sum Insured upto Rs.50,000/- subject to actual for the transport expenses to one relative of the insured person.
• Vehicle and/or Residence Modification: 10% of Table B and Table C sum insured subject to a maximum of Rs.50,000/- towards the expenses incurred to modify the insured person’s residential accommodation or vehicle.
• Purchase of Blood: Upto 5% of the Total sum insured subject to a maximum of Rs.10,000/- towards the expenses incurred in purchasing blood through a Hospital or Government approved blood bank.
• Transportation of Imported Medicines: Upto 5% of Total sum insured subject to a maximum of Rs.20,000/- towards the expenses incurred on freight charges for importing medicines.The above mentioned amounts are payable in addition to the sum insured.

Optional Benefits (on payment of additional premium):

• Medical Expenses Extension: Upto 25% of the valid claim or 10% of the sum insured or actual whichever is less subject to a overall limit of Rs.5,00,000/- per policy period.
• Hospital Cash: Cash benefit of Rs.1000/- for each completed day of Hospitalization (excluding date of admission and date of discharge) provided such hospitalization happens within 30 days from the date of accident.
• Home convalescence: Rs.500/- for each completed day subject to a maximum of 15 days per occurrence and 60 days per policy period towards the cost of engaging one attendant at residence  immediately after discharge from the hospital

Cumulative Bonus :

• Cumulative Bonus of 5% of the sum insured accrues to the insured person for each completed year, subject to a maximum of 50%. Cumulative bonus will not be lost if the policy is renewed within 30 days. Cumulative bonus is not applicable on the ADDITIONAL BENEFITS OR OPTIONAL BENEFITS

 Eligibility

• Any person between 18 and 70 years of age at the time of entry can take this insurance. Lifelong renewal.
• Dependent children covered from 5 months
• Policy benefits are applicable individually for each person covered under family.

 Star Advantages

• No Third Party Administrator - direct in - house claims settlement.
• Faster & hassle-free claim settlement.
• Cashless hospitalization, wherever possible.
• Network of more than 6000 hospitals across India.
• 24X7 Toll Free Helpline.
• Information on health through free health magazine.
• Facility for maintaining personal health records in electronic format.

Personalised customer service available.

Service Is Available For All over India

For More details contact: 9790958828, 9042804851

Star health insurance For Diabetic Persons @ Low cost & Best service

Here is a Diabetic Safe Policy that designed exclusively for people diagnosed with DIABETES MELLITUS Both TYPE I & II and offers insurance protection for treating the most commonly occurring complications arising out of diabetes as well as regular hospitalisation cover for other ailments.

Any person between 18 years and 65 years of age who is diagnosed with diabetes mellitus type I and II is eligible.

The insurance is available for sums of Rs. 3 lac, Rs.4 lac and Rs. 5 lac and 10 lac.

Premium depends upon the age of the person and the sum insured.

 Highlights

•  Cover for complications of Diabetes both type 1 and type 2.
•  Also covers regular hospitalization.
•  Policy can be taken on Individual and Floater basis.
•  Cost of artificial limbs due to amputation up to specified limits.
•  Automatic restoration of entire Sum insured by 100%.
• More than 400 day care procedures covered.
• No waiting period for Diabetes complication if undergone medical screening.

 General Terms

Pre- Acceptance Medical Screening
Persons above 50 years will be required to undergo pre-acceptance medical screening at the Company nominated centres. Cost of screening is currently 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
A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions. In case insured is not satisfied he can seek cancellation of the policy and in such event the Company will allow refund of premium after adjusting the cost of pre-    acceptance of medical screening, stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such a cancellation. Free look cancellation is not applicable at the time of renewal.

Guaranteed Lifetime Renewals
Life-long renewals beyond 65 years are offered under this policy.

 Star Advantages

•  No Third Party Administrator – direct in-house claims settlement
•  Faster and hassle-free claim settlement
•  Cashless hospitalization
•  Network of more than 6000+ hospitals across India    
•  Facility for maintaining personal health record in electronic format. 
•  Personalised customer service available.

For More Details contact: 9790958828 or 9042804851