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Health Insurance 3982 views November 5, 2020
The first and foremost priority for any individual should be his or her health. In the times we are living in, a Health Insurance Plan can take care of our medical expenses in case any medical emergency happens. But it is equally important to take care of your family’s health too. So, will you take an individual insurance plan for everyone? Well, the answer will be ‘No’ because you can take care of your family health by choosing Star Family Health Optima Insurance Plan. This plan from Star Health Insurance Company is one of the most popular plans that help individuals to cover all the members of the family under a Single Health Insurance Plan.
So, you don’t need to pay premiums for individual plans for each member of the family. With Star Family Health Optima Insurance Plan, you only need to pay a single premium for all members. So, you can save a substantial amount. One of the main reasons behind this Health Insurance Plan’s popularity is the trust of individuals in Star Health Insurance Company, which has the largest network of 9,900 Hospitals.
In this article, we will discuss the features and benefits of the Star Family Optima Health Insurance Plan. Apart from this, we will also tell the exclusions, eligibility, and a few other things. Keep reading!
Table of Contents
If you are someone who wants to take care of yourself and your family, choosing the Star Family Health Optima Insurance Plan can be the right choice for you! Still, don’t believe it? Well, here are the highlights of this amazing Health Insurance Plan that will make you believe it. Please look!
What are the various benefits of the Star Family Health Optima Insurance Plan that you can enjoy? Well, we are showing below all the benefits such as Pre-hospitalization, Organ Donor Expenses, Health Checkup costs, etc. Do check!
If you require the treatments at your home for certain diseases and stages, you will get coverage for such Domiciliary Hospitalization with your Star Family Health Optima Health Insurance Plan. However, the plan will cover only those treatments exceeding 3 days.
Organ Donor Expenses
With this benefit from Family Health Optima Insurance Plan, the insured person will get cover up to 10% of the Sum Insured or INR 1 Lakh, whichever is less.
Cost of Health Checkup
With your Star Health Insurance Policy, you will also get cover for your health checkups within the limit decided in your Policy.
New Born Baby Cover
After 15 days of the Delivery, your New Born Baby will also get coverage upto 10% of the Sum Insured or INR 50,000 (whichever is less between these two)
Emergency Domestic Medical Evaluation
If the insured person needs to be transported from one treating hospital to another, this plan will also cover the transportation expenses up to the limits specified in the Policy.
With the Star Family Health Optima Insurance Plan, you can also get claims for the transportation expenses by Air up to INR 5,000 for any of your Immediate Family members (other than the travel companion) for travel towards the hospital.
Repatriation of Mortal Remains
The plan will reimburse upto INR 5,000 towards the cost of the Repatriation of Mortal Remains of the Insured Person to the residential address of the Policyholder.
Lump-Sum Amount for Treatment in Preferred Hospitals
If you face any medical emergency and want advice from the Insurance Company, it may suggest a preferred Network hospital where you can get the treatment upto 1% of the sum insured (maximum of INR 5,000) as a lump sum amount.
Assisted Reproductive Treatment
You can also get coverage for the expenses on the Assisted Reproductive Treatment for the sub-fertility waiting period of 36 months from the date of the policy inception. An insured person can get up to INR 1 lakh for the sum insured of INR 5 lakh and INR 2 lakh for a sum insured of INR 10 lakh.
Bonus on not Claiming in a Year
For the year when you will don’t make any claim for your Star Family Health Optima Insurance Plan, you will get a bonus of 25% of the expiring basic sum insured in the next year. After the second year, you will get an additional 10% for subsequent years. Every year, you get a claim, the company will reverse the bonus, in the same manner, it was given.
There are a few conditions that individuals should keep in their mind before choosing this Health Insurance Plan. We are showing them below. Please have a look!
There are a few things that this policy does not cover, and it is important to know them before going to choose a Family Health Optima Plan. We are showing them below. Please check!
The best thing about the Star Family Health Optima Insurance Plan is its hassle-free direct in-house claim settlement process without any interference of third parties. With this Insurance plan, you get two Health Insurance Plans – Cashless and Reimbursement methods. We are showing you the details of both. Check them out!
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