Health Insurance 9526 views January 2, 2021

Star Health offers a wide range of health insurance products and sometimes this might put you in a situation where you can’t decide which is the best for you. But don’t worry as we’re here to resolve your problems. In this article, you will find the Star Health Family Health Optima Family Floater Vs Star Health  Comprehensive Policy Family Floater comparison. So keep reading to know which is the suitable health plan for you.

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Key Features of Star Health Family Health Optima & Star Health Comprehensive Plan

With the Star Comprehensive Insurance, you will get features crafted to offer complete protection against all health emergencies for an entire family on an individual as well as floater basis. On the other hand, Star Health Family Health Optima will offer you a Single Sum Insured, Extra Benefits, Coverage for family and considerable savings in premium.

Compare Star Health Family Health Optima vs Star Health Comprehensive Plan Benefits

Let’s check out the benefits of both these Star Health Plans in the table below and see which offers you the maximum cover.

ParticularsStar Health Family Health OptimaStar Health Star Comprehensive
In-Patient Hospitalisation BenefitsRoom, Boarding, Nursing Expenses up to INR 2,000-5,000 per day if the sum insured ranges from INR 1-4 lakh. Otherwise, for a sum insured of INR 5 lakh to INR 25 lakh, a Single Standard A/C Room is provided.Room (Private Single A/C room), Boarding and Nursing Expenses
AmbulanceRoad Ambulance charges up to INR 750/- per hospitalization and an overall limit of INR 1,500/- per policy period. Air Ambulance Cover: Up to 10% of the Basic sum insured per policy period (If the Sum Insured is INR 5 lakh and above)Road ambulance expenses are subject to an admissible hospitalization claim. Whereas Air Ambulance expenses are covered up to INR 2.5 lakh per hospitalization, not exceeding INR 5 lakh per policy period.
Pre-HospitalizationUp to 60 daysUp to 60 days
Post-HospitalizationUp to 90 daysUp to 90 days
Outpatient Medical ConsultationN/AA limit of INR 300 per consultation
Domiciliary HospitalizationAYUSH treatment for up to 3 days for an illness/disease/injuryAYUSH treatment for up to 3 days for an illness/disease/injury
Modern TreatmentsYESYES
Automatic Restoration of the Sum InsuredUp to 100% (available three times during the policy period)Up to 100% only for the In-patient hospitalization expenses

Exclusions from Star Health Family Health Optima & Star Health Comprehensive Plan

After knowing the coverage of both the policies, it’s time you see what these plans will not cover. You should know that this is the most important step of Star Health Family Health Optima vs Star Health Comprehensive Plan Comparison as it lets you evaluate the policies better.

  1. Investigation & Evaluation
  2. Rest Cure, rehabilitation and respite care
  3. Obesity/ Weight Control
  4. Obesity-related cardiomyopathy
  5. Coronary heart disease
  6. Severe Sleep Apnea
  7. Uncontrolled Type2 Diabetes
  8. Change-of-Gender
  9. Cosmetic or Plastic Surgery
  10. Participation in Hazardous or Adventure sports
  11. Breach of law
  12. Treatments at Excluded Providers
  13. Treatment for Alcoholism and drug
  14. Expenses of dietary supplements
  15. Refractive Error
  16. Unproven Treatments
  17. Sterility and Infertility
  18. Intentional self-injury
  19. War
  20. Nuclear weapons
  21. And biological terrorism


Now after reading this article, you could decide between Star Health Family Health Optima vs Star Health Comprehensive Plan. You could apply for the one you wish to at Wishpolicy, a neutral insurance marketplace where you can compare and grab the best insurance policy.

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