Family Health Optima Policy (2009-10)

Family Health Optima from Star Health is a health insurance plan that gives protection for the entire family on the payment of a single premium under a single sum insured. The sum insured floats among the family members insured. It's just one more way to tighten the family bonds.

Policy Benefits

Hospitalization Cover: Protects the insured person for in-patient hospitalization expenses for a minimum of 24 hours. These expenses include room and boarding charges as per policy conditions
Nursing expenses
Surgeon's fees, Consultant's fees, Anaesthetist’s and Specialist's fees
Cost of medicines and drugs
Emergency ambulance charges for transporting the insured patient to the hospital up to a sum of Rs.750/- per hospitalization and overall limit of Rs.1500/- per policy period

Additional Benefits

Single Sum Insured
Coverage for entire family
Single Premium
Considerable saving in premium as the family is covered under one policy

Pre and Post Hospitalization Cover

Pre-hospitalization medical expenses up to 30 days prior to the date of admission
Post-hospitalization calculated at 7% of the hospitalization expenses (excluding room charges), subject to a maximum of Rs.5000 is payable.

Family Includes

Proposer, spouse, dependent children up to 25 years those who are economically dependent on their parents

Eligibility

Any person aged between 5 months and 60 years residing in India can take this insurance.

How much to pay?

A: Adult C: Children upto 25 yrs. NA: Not Available

Sum Insured: Rs. 1,00,000

	5 Months - 45 Yrs	46 Yrs - 55 Yrs	56 Yrs - 60 Yrs
2A	1765/-	NA	NA
1A + 1C	1515/-	NA	NA
1A + 2C	1640/-	NA	NA
1A + 3C	1785/-	NA	NA
2A + 1C	1890/-	NA	NA
2A + 2C	2025/-	NA	NA
2A + 3C	2165/-	NA	NA

Sum Insured: Rs. 2,00,000

	5 Months - 35 Yrs	36 Yrs - 45 Yrs	46 Yrs - 55 Yrs	56 Yrs - 60 Yrs
2A	2890/-	3140/-	5535/-	6400/-
1A + 1C	2715/-	3005/-	5265/-	6120/-
1A + 2C	2835/-	3075/-	5410/-	6225/-
1A + 3C	3085/-	3415/-	5715/-	6645/-
2A + 1C	3295/-	3555/-	5925/-	6965/-
2A + 2C	3455/-	3675/-	6450/-	7360/-
2A + 3C	3625/-	4060/-	6795/-	7820/-

Sum Insured: Rs. 3,00,000

	5 Months - 35 Yrs	36 Yrs - 45 Yrs	46 Yrs - 55 Yrs	56 Yrs - 60 Yrs
2A	3985/-	4360/-	7605/-	10030/-
1A + 1C	3710/-	3940/-	6930/-	9185/-
1A + 2C	3825/-	4110/-	7160/-	9725/-
1A + 3C	4125/-	4440/-	7630/-	10095/-
2A + 1C	4190/-	4830/-	7865/-	10625/-
2A + 2C	4310/-	5110/-	8400/-	11090/-
2A + 3C	4615/-	5320/-	8710/-	11755/-

Sum Insured: Rs. 4,00,000

	5 Months - 35 Yrs	36 Yrs - 45 Yrs	46 Yrs - 55 Yrs	56 Yrs - 60 Yrs
2A	5195/-	5565/-	10510/-	13515/-
1A + 1C	4750/-	5070/-	9660/-	12730/-
1A + 2C	4910/-	5250/-	10150/-	13210/-
1A + 3C	5365/-	5725/-	10980/-	13755/-
2A + 1C	5295/-	5775/-	11270/-	14290/-
2A + 2C	5645/-	6240/-	11870/-	14890/-
2A + 3C	6025/-	6540/-	12585/-	15815/-

Sum Insured: Rs. 5,00,000

	5 Months - 35 Yrs	36 Yrs - 45 Yrs	46 Yrs - 55 Yrs	56 Yrs - 60 Yrs
2A	5920/-	6525/-	12010/-	15855/-
1A + 1C	5370/-	5955/-	11550/-	15225/-
1A + 2C	5630/-	6285/-	11865/-	15645/-
1A + 3C	6035/-	6770/-	12390/-	16275/-
2A + 1C	6345/-	7045/-	12815/-	16750/-
2A + 2C	6875/-	7675/-	13210/-	17450/-
2A + 3C	7260/-	8195/-	13860/-	18105/-

Age of the oldest family member covered should be taken for premium calculation

Service tax extra

Discount

A discount of 10% on Premium is allowed on renewal of the policy if there is no claim in the immediately preceding year of the policy. This discount is not cumulative.

Tax Benefits

Expenses for the treatment of any illness/ disease/condition which is pre-existing
Treatment of illness/disease/sickness contracted by the insured person during the first 30 days from the commencement date of the policy
First Two Years Exclusions: Cataract, Hysterectomy for Menorrhagia or Fibromyoma, Replacement surgery for knee and/or joint (other than caused by an accident), Prolapse of inter-vertebral disc (other than caused by accident), varicose veins and varicose ulcers
First Year Exclusions: Benign Prostate Hypertrophy, Hernia, Hydrocele, Fistula in anus, Piles, Sinusitis and related disorders, congenital internal disease/defects, removal of gallstones and renal stone
Naturopathy treatment
Expenses which are purely diagnostic in nature with no positive existence of any disease
Expenses incurred for non-allopathic treatment
Treatment of external Congenital disease/defects/anomalies
Expenses which are mainly cosmetic in nature

NOTE: For a detailed list of exclusions, refer policy document.

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