Star Family Health Optima

One sum insured is shared by the family. Choose ₹5 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh or ₹25 lakh. You can cover yourself, your spouse, live-in or same-sex partner, up to three dependent children, and dependent parents and parents-in-law.

As soon as the limit of coverage is used up, the sum insured is restored by 100%. This can happen up to 3 times in a policy period, and each restoration works only after the earlier one is used up. The restored amount can be used only for illnesses unrelated to the ones already claimed.

If the limit of coverage is exhausted, an extra ₹1,50,000 (for sum insured ₹5 lakh and above) is available once for the rest of the policy period. Unlike restoration, it can be used even for the same hospitalisation or the same illness.

For sum insured of ₹3 lakh and above, you get a bonus of 10% of the expiring sum insured at each renewal, up to a maximum of 100% of the sum insured. It is given whether or not you made a claim, as long as you renew on time or within the grace period.

Covers room, boarding and nursing, surgeon, anaesthetist and specialist fees, operation theatre and ICU charges, blood, oxygen, medicines, diagnostics, dialysis, chemotherapy, radiotherapy, and the cost of pacemakers and stents (stents as per NPPA price caps), up to the sum insured.

Medical expenses are covered for up to 60 days before admission and for 90 days after discharge, for the same ailment.

All day care treatments that need hospitalisation for less than 24 hours are covered up to the sum insured.

Cataract is covered with a limit per eye and per policy period: up to ₹40,000 per eye (₹60,000 per policy period) at ₹5 lakh, and up to ₹50,000 per eye (₹75,000 per policy period) from ₹10 lakh.

In-patient treatment under Ayurveda, Unani, Siddha and Homeopathy in an AYUSH hospital is covered up to the sum insured.

Covered up to a fixed limit per treatment in each policy period, and the limit rises with the sum insured: robotic surgeries, immunotherapy (monoclonal antibody injections), oral chemotherapy, stereotactic radio surgeries, deep brain stimulation, intra-vitreal injections, balloon sinuplasty, bronchial thermoplasty, uterine artery embolisation and HIFU, laser prostate vaporisation, intra-operative neuro monitoring, and stem cell therapy for bone marrow transplant. For example, immunotherapy is covered up to ₹2,50,000 at ₹5 lakh and ₹6,00,000 at ₹25 lakh.

Air ambulance charges are covered up to 10% of the sum insured in the policy period, for a life-threatening emergency when ground transport cannot do the job and the treatment is not available where you are.

Transport from one hospital to another for further treatment in a life-threatening emergency is reimbursed up to ₹7,500 per hospitalisation (₹5 lakh to ₹15 lakh) or ₹10,000 per hospitalisation (₹20 lakh and ₹25 lakh).

Road ambulance is covered up to ₹750 per hospitalisation and ₹1,500 per policy period, for going to the hospital, moving between hospitals, or going home from the hospital.

Treatment at home for specified conditions is paid up to 10% of the sum insured in a policy year. The list includes fever and infections managed as in-patient, mild asthma and COPD flare-ups, acute gastroenteritis, IV chemotherapy, palliative cancer care, diabetic foot, disc diseases, post-surgery IV antibiotics and post-stroke care.

Treatment taken at home for more than three days is covered when the patient cannot be moved to a hospital or no hospital room is available.

If a road traffic accident leads to in-patient hospitalisation, the sum insured is increased by 25%, up to ₹5,00,000. It is available once in a policy period, after the limit of coverage is used up, and only for that hospitalisation.

Treatment for sub-fertility is covered up to ₹1,00,000 at ₹5 lakh and ₹2,00,000 at ₹10 lakh and above, for every block of 36 months. In-patient treatment is not mandatory.

A newborn is covered from the 16th day after birth till the end of the policy, up to 10% of the sum insured or ₹50,000, whichever is less. Congenital internal diseases of the newborn are not subject to this limit or the waiting periods.

In-patient expenses for transplanting an organ to you are covered up to 10% of the sum insured or ₹1,00,000, whichever is less, if the transplant claim is payable.

If you choose a shared room, ₹800 per day (₹3 lakh to ₹15 lakh) or ₹1,000 per day (₹20 lakh and ₹25 lakh) is paid for each completed 24 hours.

One health check-up per policy year for each adult at network providers: Package A for ₹3 lakh to ₹10 lakh and Package B for ₹15 lakh to ₹25 lakh. It does not reduce your sum insured.

Unlimited tele-consultations on the Star Health app, an e-domestic second medical opinion from network doctors, and an AI face scan for heart rate, oxygen saturation and respiration up to twice a month per person.

Compassionate travel (air fare up to ₹5,000 for one family member, from ₹10 lakh sum insured), repatriation of mortal remains (up to ₹5,000 per policy period), and a lump sum of 1% of the sum insured (maximum ₹5,000) for treatment at a suggested valuable service provider hospital (from ₹3 lakh).

Up to 29% for a good claim history (new customers with no past claims start at 27%), plus 5% more for senior citizens aged 61 and above. Wellness discount of 4% to 20% on renewal, 10% on the second-year premium for a 2-year term, and 5% for buying online.

Choose a 1-year or 2-year term. Premium can be paid half-yearly, quarterly or monthly, with a loading of 2%, 3% or 4%. Premium depends on your zone (Zone A to Zone D), the family size and the age of the eldest member.