Star Health Insurance-Family Health Optima Plan

 

Who Can Take This Insurance?

 

Any person between 5 months and 65 years age at the time of entry can take this insurance.

This policy is on Floater basis. Family for the purpose of this policy means self,spouse and dependent children.

Policy BenefitsHospitalisation Cover Protects the insured for in patient hospitalisation expenses for a minimum of 24 hrs.These expenses include room rent,nursing and boarding charges, Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees,Cost of Medicines and Drugs.

Ambulance charges for emergency transportation to hospital as per specified limits.

Pre-Hospitalization expenses up to 30 days prior to admission in the hospital.

Post-hospitalisation paid as lump-sum upto the limit specified.

101 Day-care treatments covered.

Pre-Existing Diseases / Illness :

Are covered after 48 months of continuous Insurance without break with any Indian Insurance Company.

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 limits specified. This restored sum insured can be utilized, during the remaining policy period, for any other illness / diseases unrelated to the ones for which claim/s has /have been made.

Bonus : Bonus in respect of a claim-free year of insurance is allowable upto the limits specified. The bonus so granted will be reduced in the same order in which it was given following a claim. However the Basic sum inusred shall not be reduced.

Pre- Acceptance medical screening : Persons above 50 years will be required to undergo pre-acceptance medical screening at the Company nominated centers.Cost of which is currently borne by the Company.

Tax Benefits

Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.