| Family Healty Optima Insurance
Policy |
| Who Can Take This Insurance? |
 |
Any person between 18 years
and 65 years of age can take this insurance
for his/her family. Children can be covered
from 16th day onwards. |
|
This policy can be renewed for
the whole life of the Insured Person. |
|
This policy is on Floater Basis.
The entire sum insured floats among all covered
persons.Family for the purpose of this policy
means self, spouse and dependant children
not exceeding three in number. |
|
| Special Features of the policy |
|
Recharge Benefit: This benefit
provides additional indemnity upto specified
limits, when the sum insured under the policy
is exhausted / exceeded. This can be utilized
for any claim payable under the policy. |
|
More than 400 Day Care procedures |
|
Expenses incurred towards cost
of Health Check up |
|
Coverage for New born Baby |
|
Coverage for Domiciliary hospitalization
treatments |
|
Donor expenses for organ transplantation |
|
Bonus: Bonus in respect of a
claim-free year of insurance is allowable
upto the limits specified. The bonus so granted
will be reduced in the same order in which
it was given following a claim. However the
Basic sum insured shall not be reduced. |
|
Automatic Restoration of Sum
Insured: There shall be automatic restoration
of the Basic Sum Insured once immediately
upon exhaustion of the limit of coverage during
the policy period subject to the limits specified.
This restored sum insured can be utilized,
during the remaining policy period, for any
other illness / diseases unrelated to the
ones for which claim/s has /have been made. |
|
| Policy Benefits |
|
Hospitalisation Cover Protects
the insured for in - patient hospitalisation
expenses for a minimum of 24 hrs.These expenses
include room rent,nursing and boarding charges. |
|
Surgeon, Anesthetist, Medical
Practitioner, Consultants, Specialist Fees,
Anesthesia, Blood, Oxygen, Operation Theatre
charges, Cost of Pacemaker, Cost of Medicine
and drugs etc. |
|
Ambulance charges for emergency
transportation upto a sum of Rs.750/- per
hospitalization and overall limit of Rs.1500/-
per policy period. |
|
Pre Hospitalisation expenses
upto 60 days prior to admission in the hospital. |
|
Post Hospitalisation expenses
upto 90 days after discharge from the hospital. |
|
| Star Advantages: |
|
No Third Party Administrator,
direct in-house claim settlement |
|
Faster and hassle free claim
settlement |
|
Network of more than 6000 hospitals
across India |
|
Facility for maintaining personal
health records in electronic format |
|
