Star Family Health Optima Insurance Plan

Policy Details

Eligibility
Entry Age (years)
Minimum	5 months
Maximum	65
Maximum Policy Renewal Age (years)	65
Coverage Type	Family floater
Sum Insured (Rs)
Maximum	15 lakh
Minimum	1 lakh
Policy Term (years)	1
Tax Benefit	Premium paid is eligible for tax benefit under section 80D of the Income Tax Act
No Claim Bonus	5% to 35% in event of a claim free year
Pre Policy Medical Check Up	Required for person above 45 years of age at company's cost
Grace Period for Policy Renewal	15 days
Policy Termination	Insurer may cancel the policy by giving a 30 days notice. The policyholder is allowed to cancel the policy too by giving a 30 day notice. The company shall refund a part of premium on basis of elapsed policy period provided no claim has been made during such period
Customer Service
Address	Star Health and Allied Insurance Company Limited Corporate Office: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034.
Mail to	[email protected], [email protected]
Call to	1800 425 2255/ / 044 2826 3300
SMS	STAR to 56677

No Claim Bonus
Basic Sum Insured (Rs)	First Renewal	Second Renewal	Maximum Bonus Allowable
100000	0.1	0.05	0.15
200000	0.1	0.05	0.15
300000	0.25	0.1	0.35
400000	0.25	0.1	0.35
500000	0.25	0.1	0.35
1000000	0.25	0.1	0.35
1500000	0.25	0.1	0.35
The Bonus will be reduced by 50% in the event of a claim. If there is a claim in the successive year also the bonus will become zero. The basic sum insured shall however not be reduced.

Exclusions and Waiting Period
Automatic Restoration of Sum Insured	Restored Sum Insured can be utilized for illness/disease unrelated to the illness/diseases for which claim's was/were made.
Pre existing diseases	covered after 48 months
No claim period	Any disease contracted during the first 30 days of commencement of the policy
Waiting Period	Certain diseases such as cataract, Varicose veins and Varicose ulcers etc shall be covered after a waiting period of 2 year.Certain diseases such as hernia, piles, sinusitis and related disorders etc. will be covered after a period of 1 year.
Copayment	20% of each and every admissible claim for person aged between 61 to 65 years at entry level
General Exclusions	Naturopathy treatment and any treatment other than allopathyCosmetic, beauty or slimming treatment

Scope of Cover
Cashless facility	Available at empanelled hospitals in India
Re-imbursement	Available at non empanelled network of hospitals
Pre hospitalisation	Covered; upto maximum of 30 days prior to hospitalisation
Post Hospitalisation	lumpsum calculated at 7% of the hospitalization expenses (excluding room charges) subject to a maximum of Rs.5,000
In-patient hospitalisation	Covered
Room rent, boarding and nursing expenses	2% of sum insured,subject to a maximum of Rs.5000/- per day in Class A cities and 1% of Sum Insured upto a maximum of Rs 3000 per day in Class B cities and 1% of Sum Insured subject to a amximum of Rs 1000 per day in other cities
Surgeon's fees, Consultant's fees, Anaesthetist's and Specialist's fees, Cost of medicines and drugs	Covered
Emergency Ambulance	Rs 750 per hospitalisation upto maximum of Rs 1500 per policy period
Day Care Procedures	covers 101 procedures
Cataract Treatment	Rs 12000 per policy perisod for Sum Insured upto Rs 2 lakhRs 20000 in respect of one eye and Rs30000 for entire policy period for Sum Insured ranging between Rs 3 lakh to Rs 5 lakhRs 30000 in respect of one eye and Rs 40000 for the entire policy period for Sum Insured above Rs 5 lakh