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Star Family Health Optima Insurance Wordings

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Highlights
Cashless Approval TAT90% Cashless claim settlement within 2 hrs
Claim Settlement Ratio89.90%
Network Hospitals14,000+
Pre-existing Disease Waiting Period1 year
Special BenefitsNo Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs SIRs. 410/month

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Star Family Health Optima Brochure

  • 846.46 KB
  • PDF Document
  • Mar 21, 2019

Star Health Insurance Plan List

  • Individual (4)
  • Family (5)
  • Kids (2)
  • Parents (1)
  • Maternity (1)
  • Woman (1)
  • Senior Citizen (1)
  • Diabetes (1)
  • Cardiac (1)
  • Cancer (1)
  • Autism (1)
  • HIV (1)
  • Critical Illness (1)
Name of PlanSum Insured
Smart Health Pro Check Premium
Women Care Check Premium
Premiere Check Premium
Assure Check Premium
Young Star Insurance PolicyMin: 91 days; Max: 40 years3 Lakh-1 Crore Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Check Premium
Corona Kavach PolicyMin: 1 Day, Max: 65 Years50,000 - 5 Lakh Check Premium
Corona Rakshak PolicyMin: 18 years; Max: 65 years50,000 - 2.5 lakh Check Premium
Outpatient Care Insurance PolicyMin: 31 day; Max: 50 years25 Thousand - 1 Lakh Check Premium
Star Micro Rural And Farmers Care PolicyMin: 12 months; Max: 65 years Check Premium
Star Novel Coronavirus (nCov) (COVID-19) InsuranceMin: 3 months; Max: 65 years Check Premium
Family DeliteMin: 5 Months; Max: 65 Years2 Lakh Check Premium
Star Care Micro InsuranceMin: 2 Years; Max: 65 Years1 Lakh Check Premium
Star ComprehensiveMin: 3 Months; Max: 65 Years5 Lakh Check Premium
Red CarpetMini: 60 Years; Max 75 Years1 Lakh Check Premium
Diabetes SafeMin: 18 Years; Max: 65 Years3 Lakh Check Premium
Cardiac CareMin: 10 Years; Max 65 Years3 Lakh Check Premium
Medi Classic Insurance PolicyMin: 5 Months; Max: 65 Years2 Lakh Check Premium
Cancer Care Gold Min: 5 Months; Max: 65 Years3 Lakh Check Premium
Star Health GainMin: 91 Days; Max: 65 Years1 Lakh Check Premium
Special Care Min: 3 Years; Max: 25 Years3 Lakh Check Premium
Criticare PlusMin 18 Years; Max: 65 Years2 Lakh Check Premium
Family Health OptimaMin: 16 Days; Max: 65 Years3 Lakh Check Premium

Star Health Insurance Top Up List

  • Family (1)
  • Individual (1)
Name of PlanSum Insured
Super SurplusMin: 91 Days; Max: 65 Years5 Lakh Check Premium
Star Hospital Cash Insurance PolicyMin: 91 days; Max: 65 years Check Premium

9625 Star Cashless Network Hospitals in India

FAQs on Family Health Optima Health Insurance Plan

  • After how much time pre-existing diseases are covered under Star Health Optima Plan?

    The pre-existing diseases are covered after 48 months of buying the policy.

  • How much coverage one can avail out of air ambulance cover? Is this feature available for every policyholder having this plan?

    The insured individuals can get only up to 10% of the basic sum insured per policy period. The air ambulance feature is available for people having a sum insured of Rs. 5 Lakh and above only.

  • Who needs to go through pre-acceptance medical screening?

    Individuals above 50 years of age or those who present adverse reports about their medical history in the proposal form are required to undergo pre-acceptance medical screening at the centers empanelled under the company. The expense of such screening will be borne by the firms. The age for screening and the cost sharing are subject to change.

  • What is the coverage of newborn baby under Star Health Optima Plan?

    The coverage for New Born Baby starts only after the 16th day of its birth till plan gets expired. This coverage is subject to an expense of 10% of the sum insured or Rs. 50,000, whichever is less, on the basis of the sum insured. It is applicable only if the mother of the baby is insured under the plan for a continuous period of 1 year without break.

  • How much co-payment is there under this policy?

    The plan is subject to co-payment of 20% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is above 60 years.

  • Will this policy benefit us with any sort of tax benefits?

    Payment of premium for Star Health Optima Plan by any mode other than cash is eligible for relief under section 80D of the Income Tax Act 1961.

  • How much organ donor expenses are covered under the Star Health Optima Policy?

    Coverage is given up to 10% of the sum insured or Rs. 1 Lakh, whichever is less.

  • Is Domiciliary Hospitalisation available in this plan?

    Yes, Domiciliary Hospitalisation is available in under this policy. But coverage is made only for medical treatments that exceed for more than 3 days.

  • The eligibility to get a Star health insurance plan depends on what factors?

    The two basic eligibility criteria for getting the insurance policy are entry age and medical check-up.

  • What is the toll-free number where I can gain detailed information for Star Health Optima Policy?

    You can get all your policy regarding queries resolved by connecting with us on the toll-free number - 1800-120-5698.

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Claim Process at Star Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

Star Health Insurance Contact Details

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