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:

  • All Day Care procedures are covered.
  • Expenses incurred towards Emergency Domestic Medical Evacuation.
  • 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 3 times in a year
  • 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
For SI 1,00,000 & 2,00,000 :Up to 2,000/- per day For SI 3,00,000 & 4,00,000: Up to 5,000/- per day, For SI 5,00,000 - 25,00,000: Single Standard A/C Room
ICU Daily Rent Limit
For SI 1,00,000 & 2,00,000 :Up to 2,000/- per day For SI 3,00,000 & 4,00,000: Up to 5,000/- per day, For SI 5,00,000 - 25,00,000: Single Standard A/C Room
Pre-Hospitalization Expenses
60 days
Post Hospitalization Expenses
90 days
Minimum Hospitalization Period
24 Hrs
Day Care Procedure Coverage
All procedures covered
Automatic Restoration of Sum Insured
100% of SI, 3 times in a year
Pre-Existing Disease / Illness coverage
After 48 months
Waiting Period for New Policy
30 days
Co-Payment
20% on every claim for age Above 60 yrs.
Medical Screening
Above age 50 years
Free Health Checkup
Available after every claim free year per policy
Ambulance Expenses
Up to 750 per hospitalization, Max 1500 per policy year. By AIr For SI of 5 Lac and above 10% of SI
Non-Allopathic Treatments
Covered
New Born Baby Cover
Up to 10% sum insured, Max.Rs.50,000
Donor Expenses
10% of SI - Max.Rs. 1Lac; Not available for Donor screening and Post-Donation Complications Provided Claim for transplantation Payable
Nursing Allowance
Covered
No Claim Bonus
25% of SI for first year and later 10% of SI - every claim free year - Max Accumulation 100% of SI