Family Health Optima Policy

Family Health Optima Policy

Family Health Optima from Star Health is a health insurance plan that gives protection for the entire family on the payment of a single premium under a single sum insured. The sum insured floats among the family members insured. It's just one more way to tighten the family bonds.
	A Super Saver Policy
	Single Sum Insured
	Wider Coverage
	Coverage for entire family
	Single premium
	Considerable saving in premium as the family is covered under one policy.
Who Can Take This Insurance?
	Any persons aged between 5 months and 65years, residing in India, can take this insurance.
Family Includes
	Proposer, spouse, dependent children upto 25 years (those who are economically dependent on their parents)
Pre- Medical screening
	Persons above 50 years may be required to undergo pre-acceptance medical screening at the Company nominated centers.Cost of which is borne by the Company at present.
Pre-Existing Diseases / Illness
	Are covered after 48 months of continuous Insurance with any Indian Insurance Copmany.
Policy Benefits
	Hospitalisation Cover Protects the insured for in patient hospitalisation expenses for a minimum of 24 hrs.These expenses include room rent,nursing and boarding charges as per policy condition.
	Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees.
	Cost of Medicines and Drugs
	Emergency ambulance charges up-to a sum of Rs. 750/- per hospitalization and overall limit of Rs. 1,500/- per policy period for transportation of the insured person.
Day Care Procedures
	The 24 hrs Hospitalisation Limit is not applicable for 101 Day Care procedures listed in the policy conditions
Treatment of Cataract
	Expenses incurred on treatment of cataract are limited to as per the following table
	For Sum Insured Rs 100000/and 200000/ the limit will be Rs 12000/ for the entire policy period
	For Sum Insured Rs 300000/,400000/and 500000/ the limit will be Rs 20000/in respect of one eye and Rs30000/for entire policy period
	For Sum Insured Rs 1000000/ and 1500000/Lakhs the limit will be Rs 30000/in respect of one eye and Rs40000/for the entire policy period.
Pre and Post Hospitalisation
	Pre-hospitalization medical expenses upto 30 days prior to the date of admission.
	Post-hospitalizationn - a lumpsum calculated at 7% of the hospitalization expenses (excluding room charges) subject to a maximum of Rs.5,000/- is payable

How much to pay?
Zone1 MUMBAI, DELHI & GUJARAT SUM INSURED: Rs. 1,00,000/- Family Size 5 months to 35 yrs 36 yrs to 45 yrs 46 yrs to 50 yrs 51 yrs to 55 yrs 56 yrs to 60 yrs 61 yrs to 65 yrs 2A 3890 3890 NA NA NA NA 2A+1C NA NA NA NA NA NA 2A+2C NA NA NA NA NA NA 2A+3C NA NA NA NA NA NA 1A+1C 3250 3875 NA NA NA NA 1A+2C 4150 4700 NA NA NA NA 1A+3C NA NA NA NA NA NA
Service Tax Extra
Zone2 REST OF INDIA SUM INSURED: Rs. 1,00,000/- Family Size 5 months to 35 yrs 36 yrs to 45 yrs 46 yrs to 50 yrs 51 yrs to 55 yrs 56 yrs to 60 yrs 61 yrs to 65 yrs 2A 3600 3600 NA NA NA NA 2A+1C NA NA NA NA NA NA 2A+2C NA NA NA NA NA NA 2A+3C NA NA NA NA NA NA 1A+1C 3250 3700 NA NA NA NA 1A+2C 3850 4300 NA NA NA NA 1A+3C NA NA NA NA NA NA
Service Tax Extra
Zone1 MUMBAI, DELHI & GUJARAT SUM INSURED: Rs. 2,00,000/- Family Size 5 months to 35 yrs 36 yrs to 45 yrs 46 yrs to 50 yrs 51 yrs to 55 yrs 56 yrs to 60 yrs 61 yrs to 65 yrs 2A 3950 4675 7870 8145 9400 NA 2A+1C 4620 5170 8580 8855 9635 NA 2A+2C 6110 6875 9425 9800 10840 NA 2A+3C 6510 7975 10625 11200 11840 NA 1A+1C 3500 3950 5800 6225 7225 NA 1A+2C 4310 4905 7400 7575 8200 NA 1A+3C 5200 5960 8975 9735 11000 NA
Service Tax Extra
Zone2 REST OF INDIA SUM INSURED: Rs. 2,00,000/- Family Size 5 months to 35 yrs 36 yrs to 45 yrs 46 yrs to 50 yrs 51 yrs to 55 yrs 56 yrs to 60 yrs 61 yrs to 65 yrs 2A 3850 4465 7515 7775 8515 NA 2A+1C 4255 4935 8190 8455 9195 NA 2A+2C 5450 6565 8995 9260 9870 NA 2A+3C 6300 7415 9845 10110 10720 NA 1A+1C 3500 3875 5300 6000 7005 NA 1A+2C 4100 4830 7210 7300 8200 NA 1A+3C 5200 5410 8530 8790 9030 NA
Service Tax Extra
Zone1 MUMBAI, DELHI & GUJARAT SUM INSURED: Rs.3,00,000/- Family Size 5 months to 35 yrs 36 yrs to 45 yrs 46 yrs to 50 yrs 51 yrs to 55 yrs 56 yrs to 60 yrs 61 yrs to 65 yrs 2A 4300 5320 9515 9790 12675 20500 2A+1C 5400 5900 11070 11350 13440 NA 2A+2C 6875 7245 11880 12155 14030 NA 2A+3C 7975 8195 12980 13255 15130 NA 1A+1C 3875 4275 7010 7335 8995 NA 1A+2C 4910 5365 7980 8910 9995 NA 1A+3C 5940 6005 9725 10100 11445 NA
Service Tax Extra
Zone2 REST OF INDIA SUM INSURED: Rs.3,00,000/- Family Size 5 months to 35 yrs 36 yrs to 45 yrs 46 yrs to 50 yrs 51 yrs to 55 yrs 56 yrs to 60 yrs 61 yrs to 65 yrs 2A 4200 5170 9085 9345 12090 18750 2A+1C 5300 5555 10565 10830 12830 NA 2A+2C 6565 6775 11340 11605 13390 NA 2A+3C 7465 7675 12240 12505 14290 NA 1A+1C 3875 4275 7010 7335 8645 NA 1A+2C 4910 5100 7810 8770 9510 NA 1A+3C 5670 5670 9555 9800 11225 NA
Service Tax Extra
Zone1 MUMBAI, DELHI & GUJARAT SUM INSURED: Rs.4,00,000/- Family Size 5 months to 35 yrs 36 yrs to 45 yrs 46 yrs to 50 yrs 51 yrs to 55 yrs 56 yrs to 60 yrs 61 yrs to 65 yrs 2A 5300 6510 12000 13200 16000 28500 2A+1C 6825 7730 13900 14925 18075 NA 2A+2C 8300 8915 15270 16100 18835 NA 2A+3C 9500 9715 16570 16890 20035 NA 1A+1C 4640 5165 8570 9090 10135 NA 1A+2C 5865 6235 9565 11110 12665 NA 1A+3C 7385 7590 11960 12985 14420 NA
Service Tax Extra
Zone2 REST OF INDIA SUM INSURED: Rs.4,00,000/- Family Size 5 months to 35 yrs 36 yrs to 45 yrs 46 yrs to 50 yrs 51 yrs to 55 yrs 56 yrs to 60 yrs 61 yrs to 65 yrs 2A 5300 6350 12000 13000 15500 23200 2A+1C 6610 7375 13200 14250 17255 NA 2A+2C 7920 8525 14665 15185 17980 NA 2A+3C 8820 9425 15565 15885 18880 NA 1A+1C 4640 5005 8375 8685 9865 NA 1A+2C 5640 6000 9345 10875 12440 NA 1A+3C 7050 7245 11730 12650 14100 NA
Service Tax Extra
Zone1 MUMBAI, DELHI & GUJARAT SUM INSURED: Rs.5,00,000/- Family Size 5 months to 35 yrs 36 yrs to 45 yrs 46 yrs to 50 yrs 51 yrs to 55 yrs 56 yrs to 60 yrs 61 yrs to 65 yrs 2A 6885 8000 14970 15300 20050 30315 2A+1C 8080 9125 16080 16400 21180 NA 2A+2C 9655 10090 16510 16840 22075 NA 2A+3C 10955 11390 17810 18140 23375 NA 1A+1C 6510 7225 9995 12100 14885 NA 1A+2C 7785 8010 14240 14700 16900 NA 1A+3C 8800 9000 15610 15930 20590 NA
Service Tax Extra
Zone2 REST OF INDIA SUM INSURED: Rs.5,00,000/- Family Size 5 months to 35 yrs 36 yrs to 45 yrs 46 yrs to 50 yrs 51 yrs to 55 yrs 56 yrs to 60 yrs 61 yrs to 65 yrs 2A 6885 7640 14290 14600 19145 25750 2A+1C 7710 8710 15350 15665 20225 NA 2A+2C 9210 9635 15760 16075 21070 NA 2A+3C 10210 10635 16760 17075 22070 NA 1A+1C 6510 7225 9565 11850 14500 NA 1A+2C 7435 7650 14000 14450 16335 NA 1A+3C 8560 8630 14895 15215 19650 NA
Service Tax Extra
Zone1 MUMBAI, DELHI & GUJARAT SUM INSURED: Rs.10,00,000/- Family Size 5 months to 35 yrs 36 yrs to 45 yrs 46 yrs to 50 yrs 51 yrs to 55 yrs 56 yrs to 60 yrs 61 yrs to 65 yrs 2A 9110 11350 20500 22100 30300 40500 2A+1C 11665 13450 21800 24800 32340 NA 2A+2C 13445 16200 23555 27900 36210 NA 2A+3C 16405 19505 26780 32665 39500 NA 1A+1C 8700 9900 16330 17680 24000 NA 1A+2C 10775 11995 17750 22875 26970 NA 1A+3C 13575 15010 22100 26860 30010 NA
Service Tax Extra
Zone2 REST OF INDIA SUM INSURED: Rs.10,00,000/- Family Size 5 months to 35 yrs 36 yrs to 45 yrs 46 yrs to 50 yrs 51 yrs to 55 yrs 56 yrs to 60 yrs 61 yrs to 65 yrs 2A 8900 11000 18750 21000 28800 38500 2A+1C 11000 12875 20990 22700 30325 NA 2A+2C 12800 15380 22800 26440 35080 NA 2A+3C 15900 18100 25710 28850 37500 NA 1A+1C 8500 9700 15000 16810 23000 NA 1A+2C 10100 11000 16900 21000 26090 NA 1A+3C 12575 13895 20100 25660 27775 NA
Service Tax Extra
Zone1 MUMBAI, DELHI & GUJARAT SUM INSURED: Rs.15,00,000/- Family Size 5 months to 35 yrs 36 yrs to 45 yrs 46 yrs to 50 yrs 51 yrs to 55 yrs 56 yrs to 60 yrs 61 yrs to 65 yrs 2A 10885 13865 25650 31125 39500 50500 2A+1C 13990 15800 29910 37750 43660 NA 2A+2C 17780 19700 32100 41780 49205 NA 2A+3C 20780 22700 35100 44780 52205 NA 1A+1C 10540 11995 19875 24000 30890 NA 1A+2C 13450 14400 21880 29020 32910 NA 1A+3C 16770 18000 27030 33770 37990 NA
Service Tax Extra
Zone2 REST OF INDIA SUM INSURED: Rs.15,00,000/- Family Size 5 months to 35 yrs 36 yrs to 45 yrs 46 yrs to 50 yrs 51 yrs to 55 yrs 56 yrs to 60 yrs 61 yrs to 65 yrs 2A 10100 12500 24400 29895 36500 41135 2A+1C 12770 14500 27500 35000 41200 NA 2A+2C 16660 18300 31650 40700 47810 NA 2A+3C 19310 20950 34300 43350 50460 NA 1A+1C 10000 11240 19030 22875 28880 NA 1A+2C 12450 13750 21000 28050 32000 NA 1A+3C 15875 16550 25010 30080 34700 NA
Service Tax Extra
Relief under Income Tax Act
Proposer is eligible for relief under Section 80-D of the Income Tax Act in respect of the amount paid any mode other than cash for Health premium.
No Claim Bonus
The insured would be entitled to benefit of bonus over and above the basic sum Insured in terms of table here under, in respect of a claim free year, of Insurance.
Basic Sum Insured (Rs) First Renewal Second Renewal Maximum Bonus Allowable 100000/- 10% 5% 15% 200000/- 10% 5% 15% 300000/- 25% 10% 35% 400000/- 25% 10% 35% 500000/- 25% 10% 35% 1000000/- 25% 10% 35% 1500000/- 25% 10% 35%
Such bonus shall be computed on the basic sum Insured, The Bonus so granted will be reduced by 50% in the event of a claim. If there is a claim in the successive year also the bonus will become zero. The basic sum insured shall however not be reduced.
Automatic Restoration of Sum Insured
There shall be automatic restoration of the Basic Sum Insured immediately upon exhaustion of the limit of coverage during the policy period subject to the following terms and extent thereof
Basic Sum Insured (Rs) % of Restoration on the Basic Sum Insured Upto 200000/- Nil 300000/- and above 100%
Such restored Sum Insured can be utilized for illness/disease unrelated to the illness/diseases for which claim's was/were made.
Exclusion
	Any disease contracted by the insured person during the first 30 days from the commencement date of the policy.
	First two Years Exclusions - Cataract, Hysterectomy for Menorrhagia or Fibromyoma, treatment for Knee and/or Joint (other than caused by an accident )Prolapse of intervertibral disc(other than caused by accident), Varicose veins and Varicose ulcers.
	First year Exclusion - Benign Prostate Hypertrophy, Hernia, Hydrocele, Congenital Internal disease/defect, Fistula / Fissure in anus, Piles, Sinusitis and related disorders, treatment for gallstones and renal stone .
	Expenses incurred for treatment of diseases/illness/accidental injuries by systems of medicines other than Allopathic
	Naturopathy
	Expenses purely diagnostic in nature.with no positive existence of any disease.
	Treatment of Congenital external disease or defects or anomalies
	Treatment which are cosmetic in nature
How to make a claim under the policy?
	Call the 24 hour help-line for assistance - 1800 425 2255
	Inform the ID number for easy reference
	In case of planned hospitalization inform 24 hours prior to admission in the hospital
	In case of emergency hospitalization information to be given within 24 hours after hospitalization
	Cashless facility wherever possible
	In non-network hospitals payment must be made up-front and then reimbursement will be effected on submission of documents
Portability:
This policy is portable. For details please contact Portability Cell.
Star Advantages
	No Third Party Administrator direct in-house claims settlement.
	Faster & hassle-free claim settlement.
	Cashless hospitalization. Whereever possible
	Network of more than 4900 hospitals across India
	Free expert medical consultation over phone
	24 x 7 Toll Free Helpline

Eligibility

• Any person aged between 5 months and 60 years residing in India, can take this insurance
• How to buy this insurance?
   CONT  AGENT :9849914911