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