Expenses including room rent, nursing and boarding charges during hospitalisation of the insured are covered for a maximum of 24 hours.
Fees of Anaesthetist, Surgeon, Medical Practitioner, Consultants and Specialist Fees, Anaesthesia, Blood, Oxygen, and Operation Theatre charges, Cost of Pacemaker, Cost of Medicine and drugs etc. are also taken for coverage.
For emergency transportation, ambulance charges up to a sum of Rs.750/- per hospitalization and overall limit of Rs.1500/- per policy period are covered
Pre Hospitalisation expenses up to 60 days prior to admission in the hospital.
Post Hospitalisation expenses up to 90 days after discharge from the hospital.
A co-payment of 20% for every claim is applicablefor fresh as well as renewed policies for insured persons (age above 60 years at the time of entry).
Pre-Existing Diseases/Illness: Are covered after 48 months of continuous Insurance
Pre- Acceptance medical screening: Persons above 50 years will be required to undergo medical screening at the Company nominated centres, cost of which is 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
Free look period:
It is a period for reviewing terms and conditions and making a judicious review. Cancellation in case of dissatisfaction can also be opted for in which case company will make due refunds.
If the insured wants to port the policy to another towards renewal, application in the appropriate form should be made to the Company at least 45 days before from the date of renewal.
Star Health Family Optima Insurance Renewal policy
Renewal is allowed except on superfluous or fraudulent grounds.
A grace period of 30 days from the date of expiry of policy should be maintained. Changes in sum assured are applicable only at the time of the renewal.
If policy is withdrawn or modified the insured is to be informed three months before such incident.
Exclusions under plan by Star Health Family Health Optima:
Pre Existing diseases as mentioned.
Disease that creeps into the insured during the first 30 days of the policy period. Also expenses of defined and related diseases as mentioned would not be borne during the first two years of continuous operation of insurance.
Dental treatment or surgery (excluding accidental damages).
Injury due to nuclear weapons and war or breach of law on an intentional basis.
Expenses on Vitamins and tonics not part of the treatment schedule.
Hospital registration and admission charges, record and telephone charges.
Star Health Family Optima Cancellation Policy:
Misrepresentation, fraud, moral hazard or non-cooperation on behalf of the insured might lead to cancellation of policy making way for appropriate refund.
*The above rates may vary. Please check the policy wordings for more details.