Star – Family Health Optima

Star – Family Health Optima 

Age Limit: – Any person aged between 5 months to 60 years residing in India can take this  Insurance.

Family Includes: – Proposer, Spouse, dependent children up to 25 years, those who are  economically dependent on their parents.

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.

Policy Benefits

• Hospitalization Cover: Protects the insured person for in-patient hospitalization 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, Anesthetist’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

Exclusions: -

• 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 Congenital disease/defects/anomalies
• Expenses which are mainly cosmetic in nature.