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Family Pick
Star Health

Family Health Optima

Smart family floater at affordable premium

4.1/5 Rating
Starting From
₹5,400
per year
₹3L–25L
Sum Insured
14,000+
Network Hospitals
18–65yrs
Entry Age
2 yrs
Waiting Period

About This Plan

Star Family Health Optima is a popular family floater plan offering smart coverage at affordable premiums. It covers the entire family under a single sum insured and includes maternity, newborn cover, and day care procedures.

Key Highlights

Family floater coverage
Maternity & newborn covered
150+ day care
Affordable premium
14,000+ hospitals
Loyalty additions each year

Coverage Details

Room RentSingle standard AC room
ICU ChargesActual
Pre-Hospitalization60 days
Post-Hospitalization90 days
Day Care ProceduresCovered
Maternity BenefitCovered
Newborn CoverCovered
Organ TransplantNot Covered
AYUSH TreatmentCovered
Mental IllnessNot Covered
Domiciliary HospitalizationNot Covered
Restore BenefitYes
Annual Health CheckupYes
Ambulance CoverUp to ₹1,500
No Claim BonusUp to 100% NCB
Co-PaymentNone
Pre-Existing Disease Wait4 years
Specific Disease Wait2 years

Pros

  • Very affordable for families
  • Maternity benefit included
  • Newborn coverage
  • Good NCB structure
  • Loyalty benefits

Cons

  • Room rent capped
  • No organ transplant
  • No domiciliary
  • SI capped at ₹25L

Who Should Buy This Plan?

Ideal for: Young families and couples looking for affordable family cover