Useful Information

Star Health

TPA Information

Family Health Optima

Synopsis:

ThisĀ is a complete health insurance policy for the family which covers medical expenses incurred by a person due to any illness or injury. There is a considerable saving in premium as the entire family is covered under one policy with single sum insured.

Highlight:

  • More than 400 Day Care procedures are covered
  • Expenses incurred towards cost of Health Check up
  • Coverage for New born Baby
  • Coverage for Domiciliary hospitalization treatments
  • 100% Sum insured will be restored automatically in case of exhaustion of Sum Insured in the policy
  • Recharge benefit provides additional indemnity up to specified limits, when the sum insured under the policy is exhausted
  • No Medical tests required up to the age of 50 Years
  • Life Long renewal for health insurance
  • Tax rebate available as per provision of Income Tax Rules under section 80-D

Benefit:

Title
Description
Room Rent Limit
No Limit
ICU Daily Rent Limit
No Limit
Pre-Hospitalization Expenses
60 days
Post Hospitalization Expenses
90 days
Minimum Hospitalization Period
24 Hrs
Day Care Procedure Coverage
405 procedures covered
Automatic Restoration of Sum Insured
Yes
Pre-Existing Disease / Illness coverage
After 48 months
Waiting Period for New Policy
30 days
Co-Payment
Up to 20% for age above 60 years
Medical Screening
Above age 50 years
Free Health Checkup
After 3 claim free years, Max 5000
Ambulance Expenses
Up to 750 per hospitalization, Max 1500 per policy year
New Born Baby Cover
Up to 10% sum insured
Donor Expenses
Covered
Nursing Allowance
Covered
No Claim Bonus
For sum insured 300000 and above bonus up to 25% of the expiring sum insured in 2nd year and 10% in 3rd year