A standalone provider of health insurance, Star Health and Allied Insurance Company Limited provides a wide range of health insurance policies. The variety of policies, their coverage, and the simplicity of claim settlement have helped the organisation build a solid name in the Indian insurance sector. One such health insurance plan that provides a wide range of coverages for your family is Star Health Family Health Optima. You can get this family floater policy to provide coverage for every family member under a single policy and take advantage of low premiums. Let's examine the specifics of Star Family Health Optima Plan.
Star Family Health Optima Insurance Plan's Main Characteristics
The following are some of the main characteristics of Star Health's Family Health Optima Plan:
- You can get this family floater policy to protect yourself, your spouse, and any dependent children.
- If you don't have any severe medical conditions when you purchase the coverage, no pre-entrance health examinations are necessary until you are 50.
- The insurance amount is extended by 25% if a road accident results in hospitalisation.
- Instead of paying the payment all at once, you can decide to do it in monthly, quarterly, or half-yearly installments.
- The insurance provides distinctive benefits such as medical evacuation, compassionate visits, and repatriation of mortal remains.
- The policy also covers modern treatments up to certain limits.
- The plan offers perpetual renewability, so you can stay covered all your life by renewing or before the due date.
Inclusions
The following are the benefits included in the Star Family Health Optima Insurance plan:
Free Health Examination - Each year without a claim offers the benefit of a health checkup.
Domiciliary Hospitalisation - It offers coverage for medical care received at home on a doctor's advice if it's for more than three days.
Procedures for Day Care - It covers any day care operations that don't call for a hospital stay longer than 24 hours.
Expenses for In-patient Hospitalisation - It covers the payment of a minimum 24-hour hospital stay, including room and board costs, nursing costs, medical professional, surgeon, anesthesiologist, specialist, consultant fees, etc.
Emergency Road Ambulance - As long as the limits are met, it provides cover for emergency ambulance services used to get to the closest hospital.
Air Ambulance - Up to 10% of the SI is covered for air ambulance services.
Pre-hospitalisation Expenses - It will cover up to 60 days of pre-hospitalisation costs before hospital admission.
Post-hospitalisation Costs - It pays for hospital expenses incurred for a maximum of 90 days following hospital release.
Cover for Organ Donors - As much as 10% of the SI or INR 1 lakh, whichever is smaller, is paid toward organ donor fees.
Newborn Coverage - It provides coverage for newborns up to 10% of the SI, or INR 50,000, whichever is less.
Modern Treatment - It pays for the costs of modern treatments.
Bringing Home Mortal Remains - The insurer will pay up to INR 5,000 towards the expense of returning the insured's mortal remains to the city of residence.
Medical Care at the Network Hospital - The insurer would offer a lump sum payment of up to 1% of SI, up to a maximum of INR 5000 per policy period, in the event of emergency hospitalisation. It may recommend a suitable hospital from the database of network hospitals for treatment.
Treatment Received Through AYUSH Hospitals - It pays for treatments received through AYUSH hospitals up to the allotted amounts.
Second Medical Opinion - It covers the expense of obtaining a second medical opinion from any doctor who has been granted an appointment.
Additional Insurance Coverage for Road Traffic Accidents - The basic sum insured would be raised by 25% in an unintentional hospitalisation, up to a maximum of INR 5 lakh. However, to be eligible for this benefit, the covered 2-wheeler rider or pillion rider must be wearing a helmet during the incident.
Assisted Reproductive Treatment - It Reimburses subfertility treatment expenses using assisted reproduction. It can only be insured after a 36-month waiting period from the start of the policy has passed. The maximum reimbursement amount is INR 1 lakh for sums insured up to INR 5 lakh and INR 2 lakh for sums covered up to Rs 10 lakh.
Exclusions
- External Congenital abnormalities, conditions, or malformations
- Preputoplasty, frenuloplasty, circumcision, SMEGMA removal, and preputial dilatation
- Immunisation or vaccination, unless for post-bite treatment and therapeutic causes.
- General malaise, recovery, ill health, and dietary deficiencies
- It does not cover dental surgery or treatment unless necessary due to an accident and necessitates hospitalisation.
- Self-inflicted wounds or damage
- Medical costs incurred due to the use of drugs, alcoholic substances, smoking, drinking, and chewing tobacco
- Hospitalisation connected to war, combat operations, an invasion, or an act of a foreign enemy
- Hospitalisation owing to harm from nuclear weapons and materials, either directly or indirectly
- Implantation of chondrocytes, intra-articular injection treatment, and platelet-rich plasma procedures
Conclusion
Having the appropriate health insurance coverage for yourself and your family is essential to combat the rising cost of healthcare. In light of this, Star Health has created the Family Health Optima comprehensive health insurance plan. You only need the plan to ensure that your family's lives are protected in the event of unforeseeable medical emergencies. It gives you floater coverage for frequent hospitalisation benefits, which helps you live stress-free.
