It’s a perfect choice for families seeking comprehensive protection under one easy and flexible health insurance plan.

Star Health Insurance – Family Health Optima Insurance Plan

Introduction:
The Family Health Optima Insurance Plan by Star Health and Allied Insurance is one of India’s most popular and affordable family floater health insurance policies. It offers comprehensive coverage for the entire family under a single sum insured. Designed to meet modern healthcare needs, this plan ensures financial protection, extensive benefits, and easy access to quality medical treatment across India.

Key Features of Family Health Optima Plan

1. Single Premium, Multiple Coverage:
   Covers the entire family (self, spouse, dependent children, and parents) under one sum insured, making it economical and hassle-free.
2. Wide Range of Sum Insured Options:
   Choose from ₹3 lakh to ₹25 lakh, depending on your healthcare needs and financial capacity.
3. Automatic Restoration of Sum Insured:
   100% restoration of the sum insured once during the policy year if it gets exhausted due to a claim.
4. Coverage for Modern Treatments:
   Covers advanced treatments like robotic surgeries, stem cell therapy (for specific diseases), and organ donor expenses.
5. Day Care Procedures:
   All day care procedures that don’t require 24-hour hospitalization are covered.
6. Pre & Post Hospitalization Coverage:
   Medical expenses up to 60 days before and 90 days after hospitalization are included.
7. New Born Baby Cover:
   Automatically covers the newborn baby from the 16th day after birth under the same policy.
8. Hospital Cash Benefit:
   Daily hospital cash is provided when the insured person is hospitalized for more than 24 hours.
9. No Claim Bonus (NCB):
   Increases your sum insured by up to 25% every claim-free year, subject to terms and conditions.
10. Lifelong Renewability:
    The policy can be renewed throughout your life without any age restriction.
11. Tax Benefits:
    Premiums paid are eligible for tax deduction under Section 80D of the Income Tax Act, 1961.

Other Important Information

• Entry Age: 18 years to 65 years for adults; 16 days to 25 years for dependent children.
• Policy Type: Family Floater.
• Network Hospitals: Access to more than 14,000+ cashless hospitals across India.
• Waiting Period:
  • 30 days for general treatments (except accidents).
  • 24 to 36 months for specific and pre-existing diseases.

Example Case Study

Example:
Let’s take the case of Mr. Suresh, a 38-year-old IT professional from Bengaluru, who purchased the Family Health Optima Plan with a sum insured of ₹10 lakh to cover his wife and two children.

During the year, his daughter was hospitalized for appendicitis surgery costing ₹2.5 lakh. The claim was settled cashlessly through a Star Health network hospital. Later, his wife required medical treatment amounting to ₹8 lakh. Since the plan includes 100% restoration of sum insured, the policy automatically reinstated the coverage, and the entire amount was paid by the insurer.

Mr. Suresh didn’t have to worry about hospital expenses at all, and he also earned a No Claim Bonus for the following renewal.

Conclusion

The Star Health Family Health Optima Insurance Plan is a complete family protection policy offering extensive medical coverage at an affordable premium. With benefits like sum insured restoration, newborn baby cover, and modern treatment inclusion, it provides peace of mind and financial stability during medical emergencies.

It’s a perfect choice for families seeking comprehensive protection under one easy and flexible health insurance plan.

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