The below mentioned are the brief advantages and benefits of the Star family health optima(FHO):
- Individual, family and senior citizens
- Floater sum Insured
- Co payment
- Pre & Post Hospitalization
- Room Rent
- Actual Expenses
- Day Care Procedures
Star Family Health Optima review and benefits
o1)The following are the sum insured options for Star Family Health Optima( FHO):
- Rs 2,00,000
- Rs 3,00,000
- Rs 4,00,000
- Rs 5,00,000
- Rs 10,00,000
- Rs 15,00,000
02) Eligibility and Restrictions in the star family health optima:
Any Individual( Male or female) who attained the age of 16 days and up to 65 years, are eligible to take this policy. Apart from the individuals even the family can also opt for this policy. Family means 2 adults i.e. self, spouse and 3 children on a floater sum insured.
03)Floater Sum Insured:-
For example a family consist of 2 adults and 3 children has taken a policy for Rs 5,00,000 and one of the family member has utilized the sum insured for Rs 2,00,000 and balance can be used for all the members.
in the star family health optima there is no cap on the individual family member on the amount of usage. All the family members can use any amount or one member can use entire amount up to the sum insured i.e. Rs 5 laks in our example.
It is 20 % between the age group of 61 – 65 years. The co payment here means that the insured person has to bear 20% of the hospital expenses and the balance will be paid by company. However it will not be applicable to an individual who takes the policy before attaining the age of 61 years.
In this policy the ambulance facility is different than the comprehensive policy. The insurer will get Rs 750 per hospitalization and maximum of Rs 1,500 is paid in a policy year. There is no air ambulance reimbursement in this policy.
Air ambulance is available in Star health Comprehensive Insurance Policy
06)Pre & Post Hospitalization star family health optima
In this policy the insured gets 30 days pre hospitalization expenses and 90 days post hospitalization expenses reimbursed without limits.
Room rent will be reimbursed as per the city and zones.
This mean that all the actual expenses incurred on ICU expenses, Doctor Fees, Nursing expenses, diagnostic tests, Medicines, Operation theatre charges, Blood, Oxygen and implants are paid at actuals in the comprehensive health insurance.
09)Day care procedures:-
There are about 405 procedures are reimbursed at actual.
10)New Born Baby Coverage:-
The coverage for the new born baby starts from 16th day of birth. The limit for the coverage is 10 % of the sum insured or Rs 50,000 whichever less is. There is some exclusion for this policy.
Other Benefits of the Star Family health optima (FHO) for family, individual and senior citizens
- Restoration benefit
- No claim bonus
- Floater Basis
- Paying of Health screening expenses
- Reimbursement of donor expenses for organ harvesting
- Domiciliary hospitalization
- Recharge benefit
- Reimbursement of health check up after 3 years
- Free look period
- Cash less Hospitalization
- Tax benefit
- 24 X 7 call center support
- In house claim settlement of all the bills
- Facility for maintaining personal health records in electronic format
- No third party administrator ( TPA)
- More than 6000 hospitals in India
There are many other benefits in the start health comprehensive insurance policy like restoration, Personal accident coverage, second medical opinion, no claim bonus etc.,