Today, medical expenses are so high and still increasing rapidly. If one of your family member get sick or injured, then it is necessary to visit hospital or doctor for availing medical facilities. There is possibility to make a frequent visits for medical facilities, because needs for healthcare always vary. This can easily put you to undue stress and financial strain and here is health insurance seems very important.
Family Health Optima is a unique health insurance plan for your family offered by Star Health Insurance. This is a single premium policy that covers your entire family’s health care needs, which means you do not need to pay the multiple premiums.
Hospitalization Cover-
It covers the insured person for in-patient hospitalization for a more than 24 hours hospitalization. Theses expenses include such as room rent, boarding expenses, nursing expenses, surgeon’s fees, consultant fees, specialist fees, anesthetists fees, cost of blood and oxygen, diagnostic expenses, cost of medicines and drugs, pacemaker, emergency ambulance charges, etc.
Pre and Post Hospitalization Cover-
Pre-hospitalization expenses are covered up to 30 days prior to hospitalization and post hospitalization calculated at 7% of the total hospitalization expenses, subject to maximum of Rs.5000/-
Eligibility Criteria-
Available for the any person aged between 5 months and 60 years residing in India can opt for this insurance.
Family Includes-
Family would mean proposer, spouse and dependent children up to 25 years of age who are financially dependent on their parents.
Discount-
A discount of 10% premium is permitted on the renewal of the policy, if there is no claim made in the immediately preceding year.
Other Benefits-
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Cashless hospitalization facility is provided at more than 4000 network hospitals across India.
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Premium paid by cheque/credit card towards this insurance is eligible for tax benefit under section 80D of the Income Tax Act,1961.
