Star Allied Family Health Optima Plan
Product Overview
Star Family Optima Health Insurance Plan is a hospitalization policy, which covers inpatient treatment for a minimum period of 24hrs, along with other benefits like day care treatments, Ayurvedic treatment, etc.
Unique Features of Star Allied Family Health Optima Plan
- Sum Insured will be automatically restored to 100%, in the event if the entire sum insured is exhausted and the policy has not yet expired.
- Get extra sum insured (auto recharge) at no extra cost, up to 30% of sum insured
- No Medical Test up to 50 years
- New - Born Baby cover from 16th day
- Any Expenses related to Pre-Hospitalisation will be covered upto 60 days & Post-Hospitalisation expenses will be covered upto 90 days
Features of edit Edit Details
Do you wish to compare your plan with other plans?
Enter Your Details
Do you have this plan, check current status of your medical coverage
{{policy.Coverage}}
{{policy.Details}}
Inception Year - {{policy.Yourstatus}} | Current Status - {{policy.CurrentStatus}}
OneInsure App Benefits
Store Digitally | Get Premium Reminders | Service and Claim assistances | Empower Nominee
Critical features of Star Allied Family Health Optima Plan
- Room rent:
Limits imposed towards room and ICU rent expenses
Limits are imposed as per the zone selected by the insured - Co-Pay:
Specific % of admissible claim amount to be borne by Insured
- This plan has co-payment of 20% above the 60 age
- Sum limit on Cataract - 12,000 to 40,000 depending upon chosen sum insured
- No Claim Bonus:
Health Insurance policies may offer Cumulative Bonus wherein for every claim free year, the Sum Insured is increased by a certain percentage at the time of renewal
25% of basic sum insured up to a maximum of 35 % for each unclaimed year in case opted for(The cumulative bonus is reduced by 25% of sum insured once a claim is made) - Pre-Existing Diseases:
Means any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer
This Plan has a waiting period of 4 years is case of pre-existing diseases
Eligibility Criteria
- Minimum Age of Entry:- Children-16 days to 25 years/Adults-18 years
- Maximum age of Entry:- 65 years
- Renewal Age:- Life Long Renewal
- Sum Insured:- Rs. 2 lakhs to 15 lakhs
- Policy Tenure:- 1 year
- Premium Calculated on Basis of:- Age, (i.e. sum Insured Chosen)
Exclusions
- Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
- Medical expenses incurred for treatment of AIDS
- Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
- Congenital disease
- Tests and treatment relating to infertility and in vitro fertilization.
- War, riot, strike, nuclear weapons induced hospitalization.
- Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
- Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
- Cost of spectacles/contact lenes,dental treatment
- Medical Expenses relating to any hospitalisation primarily and specifically for diagnostic, X-ray or laboratory examinations and investigations
Note: Any claims arising out of or attributable to any of the following are not covered. Please refer to the policy wordings for a detailed list of Exclusions.
Tax Benefits
The premium paid for health insurance policy is liable to get a tax rebate under section 80D of the Income Tax Act, 1961.
Claim Process
In case you would like to know about the Claim Process or would like to register a Claim please click the link below
