Family Health Optima is a Super Saver Plan covering the entire family under single sum insured, Loaded with extra benefits. It is a complete protection plan for you and your entire family. Family Health Optima plan comes out with a wide range of benefits that will help you in dealing with unwanted medical emergencies and thier expanses as well like all day care procedures, democilary hospitalizaton, organ donar, and so on.
Star Health - Family Health Optima
| # | Product Name | Family Health Optima |
|---|---|---|
| 1 | Sum Insured options | 3/4/5/10/15/20/25 Lacs |
| 2 | People to be covered | Proposer, spouse, dependent children from 16 days up to 25 years (Children who are economically dependent on their parents) |
| 3 | Entry Age | Any person aged between 18 years and 65 years, residing in India |
| 4 | Medical Test Required for | No Medical test upto the age of 50 years |
| 5 | Policy Period | 1 Year |
| 6 | Renewable upto | Lifetime |
| 7 | Pre and Post Hospitalisation | 60 Days Pre Hospitalization & 90 Days Post Hospitalization |
| 8 | Room Rent Limit on Per Day Basis | Single Standard A/C Room |
| 9 | Sub Limits on ICU Rent | Actuals (No Sublimit) |
| 10 | Day Care Proceedure | All Day care |
| 11 | Road Ambulance Cover | 750 per event, Max 1500 |
| 12 | Organ Donor | 10% of the sum insured or 1 Lac whichever is less |
| 13 | Waiting Period (Days) | 30 Days |
| 14 | Waiting Period - Accident Cover (Days) | Zero |
| 15 | Waiting Period for specified Illnesses | 2 Years |
| 16 | Waiting Period for Pre-existing Illnesses | 4 Years |
| 17 | Co-Pay | 20% of each and every claim for persons above 60 years at entry level and their subsequent renewals. |
| 18 | Restore Benefit | 3 times Automatic restoration of Sum insured by 100% each time upon complete exhaustion |
| 19 | Annual Health Check Up | Health Checkup benefit for every claim free year |
| 20 | No Claim Bonus | 25% of the expiring basic sum insured in the second year and additional 10% for subsequent years (max.100%) would be allowed. |
| 21 | AYUSH Treatment | Upto the limits |
| 22 | Domiciliary Hospitalization | Domiciliary Hospitalization Expenses for treatment exceeding 3 days |
| 23 | Maternity Benefit | No |
| 24 | 2nd Medical Opinion | Available |