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.

Policy Benefits

• Hospitalisation Cover:Protects the insured person for in-patient hospitalisation expenses for a minimum of 24 hours.These expenses include room and boarding charges as per policy conditions
• Nursing expenses
• Surgeon's fees,Consultant's fees, Anaesthetist's and Specialist's fees
• Cost of medicines and drugs
• Emergency ambulance charges for transporting the insured patient to the hospital upto a sum of Rs.750/- per hospitalization and overall limit of Rs.1500/- per policy period

Additional Benefits

• Single Sum Insured
• Coverage for entire family
• Single Premium
• Considerable saving in premium as the family is covered under one policy

Pre and Post Hospitalisation Cover

• Pre-hospitalisation medical expenses upto 30 days prior to the date of admission
• Post-hospitalisation calculated at 7% of the hospitalisation expenses(excluding room charges),subject to a maximum of Rs.5000 is payable.

Family Includes

• Proposer,spouse,dependent children upto 25 years those who are economically dependent on their parents.

Eligibility

• Any person aged between 5 months and 60 years residing in India can take this insurance.

How much to pay?

Discount

• A discount of 10% on Premium is allowed on renewal of the policy if there is no claim in the immediately preceding year of the policy. This discount is not cumulative.

Tax Benefits

• Expenses for the treatment of any illness/ disease/condition which is pre-existing
• Treatment of illness/disease/sickness 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,Replacement surgery for knee and/or joint (other than caused by an accident),Prolapse of intervertebral disc(other than caused by accident),varicose veins and varicose ulcers
• First Year Exclusions:Benign Prostate Hypertrophy,Hernia,Hydrocele,Fistula in anus,Piles,Sinusitis and related disorders,congenital internal disease/defects, removal of gallstones and renal stone
• Naturopathy treatment
• Expenses which are purely diagnostic in nature with no positive existence of any disease
• Expenses incurred for non-allopathic treatment
• Treatment of external Congential disease/defects/anomalies
• Expenses which are mainly cosmetic in nature
  
  NOTE:For a detailed list of exclusions, refer policy document.

Claims Procedure

• Inform the ID number for easy reference
• In case of a planned hospitalisation, please inform 24 hours prior to admission into the hospital
• In case of emergency hospitalisation, information to be given within 24 hours after hospitalisation
• At non-network hospitals,payments must be made upfront and then reimbursement will be effected on the submission of documents .