Star Health

Family Health Optima: A decent, inexpensive policy with good coverage, but a 4-year waiting period for pre-existing conditions like diabetes. Read the fine print carefully.

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whatWeLike What We Like

This section highlights the strengths and benefits of Family Health Optima policy by Star Health. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.

You most likely don't have to split the bill

Co-Pay for Claims After Age 61 (20%): If you bought this policy after turning 61, you need to pay 20% of the bill for each claim. Otherwise, the insur...

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You can pick a Single Private room but nothing fancy

Room Choice Co-Payment: You can share a room or have a single room for yourself. But if you're looking for something fancier, be ready to foot part of...

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Good Restoration Benefit

Cover Restoration for Different Complications (3 times): Once you exhaust your entire cover, you will have 100% of the cover restored for a maximum of...

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Special Bonus for being healthy and not claiming insurance

Sum Insured Increase (25% First Year, Then 10% Annually): Your sum insured increases by 25% in the first year as long as you make no claims during thi...

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Full coverage even if you are forced to hospitalize at home

Domiciliary Cover: The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. This i...

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Pre & Post hospitalization expenses covered

Diagnostic Tests Coverage (60 days/90 days): No worries if the doctor has to run a host of diagnostic tests before or after hospitalizing you. The ins...

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Day Care treatments covered

Minor Procedure Full Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover the costs. This includes tr...

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Free Health Checkups every year

Annual Full Body Checkup: If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer...

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whatIsOk What Is Okay

This section outlines the satisfactory but not exceptional aspects of Family Health Optima policy by Star Health. It includes features and benefits that are adequate and meet standard expectations. While these elements may not be extraordinary, they still contribute to the overall usefulness and reliability of the policy.

Your insurer won’t pay the full bill for certain diseases

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

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Some Cover for Alternative Medicine

Eye-Related Diseases Coverage Limit (?50,000 per Eye): Your insurance cover won’t be fully available if you are treated for eye-related diseases. A ma...

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whatWeDontLike What We Don't Like

This section addresses the limitations and drawbacks of Family Health Optima policy by Star Health. It highlights areas where the policy may fall short or aspects that could be improved. Understanding these points is crucial for making an informed decision and managing expectations regarding the policy’s coverage and service.

Long waiting period for pre-existing diseases

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

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Frequently Asked Questions

Medfin offers the latest surgical procedures to ensure that you
recover as fast as possible in the least painful way possible.

The claim settlement ratio for Family Health Optima in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The Family Health Optima Plan is available for families, covering all members including children aged 3 months and above.

Yes, pre-existing conditions are covered after a waiting period of 36 months.

Yes, the plan includes maternity benefits after a waiting period of 3 years.

Yes, the plan includes wellness benefits such as health check-ups, access to fitness programs, and nutritional counseling.

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