STAR
Family Health Optima
Star Health Insurance
Best family floater health insurance
Sum Insured₹5 Lakhs - ₹1 Crore
PremiumStarting ₹10,500/year
Claim Ratio86%
About Family Health Optima
Star Family Health Optima is a popular family floater plan with automatic restoration, no sub-limits on room rent, and worldwide emergency cover.
Key Features
Family floater option
Automatic restoration of sum insured
No sub-limits on room rent
Pre-existing cover after 3 years
Worldwide emergency cover
Annual health check-up
Outpatient consultations included
Maternity cover available
Eligibility
AgeEntry: 18-65 years, Renewal: Lifelong
Sum Insured₹5 Lakhs to ₹1 Crore
Medical TestBased on age and sum insured
Waiting Period30 days initial, 3 years pre-existing
What's Covered
Hospitalization expenses
ICU charges
Pre and post hospitalization
Day care procedures
Ambulance charges
Alternative treatments (AYUSH)
Exclusions
- First 30 days (except accidents)
- Pre-existing diseases (3 year wait)
- Cosmetic surgery
- Self-inflicted injuries
Pros & Cons
Advantages
- Star Health is India's largest standalone health insurer
- No room rent limits
- Good for families
- Wide hospital network
Disadvantages
- Slightly higher premium
- Claim process can be slow sometimes
- 3 year wait for pre-existing
Frequently Asked Questions
Family Health Optima
(4.4)
- Sum Insured₹5 Lakhs - ₹1 Crore
- PremiumStarting ₹10,500/year
- Claim Ratio86%
- TypeHealth Insurance
IRDAI registered insurer
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Disclaimer: Insurance is subject to terms and conditions. Premium shown is indicative and may vary based on your age, health, and coverage chosen. Please read policy documents carefully before purchasing.