Star Health Insurance - It is India's stand-alone Health Insurance Company in India and Star Health Insurance deals in Health, Personal Accident, Mediclaim and Travel Insurance.

1. IRDA Registration No : 129; Corporate Identity Number : U66010TN2005PLC056649
CORPORATE OFFICE: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034. Ph: 044-28288800
Help Line. 99946 12916, 93628 54443 E-mail.: dhanasekaran.p@starhealth.in
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.
 A Super Saver Policy
 Single Sum Insured
 Wider Coverage
 Coverage for entire family
 Single premium
 Considerable saving in premium as the family is covered under one policy.
FEATURES FAMILY HEALTH OPTIMA
ADULTS AGE AT ENTRY 18 YRS TO 65 YRS (residing in India)
CHILDREN AGE AT ENTRY From 16th day can be covered as part of the Family
DEPENDANT CHILDREN From 16 days to 25 years
SUM INSURED 2, 3, 4, 5, 10, 15 Lacs
ENTRY AGE (61 - 65 YRS) Co Pay of 20 % applicable
RENEWALS Life long
PREMIUM RATING Premium based on Zone 1, Zone 2, & Zone 3 to be collected as per the residential
address of the customer.
Zone 1: (Delhi, Including Gurgeon, Noida, Faridabad, Ghaziabad), Bombay & entire state
of Gujarat.
Zone 2: Bangalore, Chennai, Coimbatore, Kerala and Pune.
Zone 3: All remaining places & Locations other than Zone 1 & Zone 2
ADDITIONAL CO- PAY For persons availing hospitalization benefits in Higher Zones Co-pay of 10% is applicable
ROOM RENT/ NURSING &
BOARDING
ZONE 1
SI 10/15 lacs : (A/B/C) Single Std A/C room
SI 5 lacs : (A/B/C) Single Std A/C room
Up to SI 4 lacs :
A city 2% of SI upto a max of Rs.5000 per day.
B city 1% of SI upto a max of Rs.3000 per day.
C city 1% of SI upto a max of Rs.2000 per day.
ZONE 2 & ZONE 3
SI 10/15 lacs : (A/B/C) up to max of Rs.10000 per day.
SI 5 lacs : (A/B/C) upto a max of Rs.7500/- per day.
Up to SI 4 lacs :
A city 2% of SI upto a max of Rs.5000 per day.
B city 1% of SI upto a max of Rs.3000 per day.
C city 1% of SI upto a max of Rs.2000 per day.
HOAPITALIZATION EXPENSES Admission beyond 24 hrs for sickness/ illness/ disease & accidental injuries. Coverage for
minor sickness to major surgery
PRE & POST
HOSPITALIZATION EXPENSES
Pre & Post Hospitalization benefits extended to 60 & 90 days respectively with no caps
THER CHARGES INCLUDED Nursing charges & doctor fees, lab test, scan, xray, drugs & medicines, operation theatre
charges, surgical instruments, cost of blood & oxygen, cost of pacemaker etc
AMBULANCE CHARGES Rs 750/- per hospitalization up to max of 1500/- per policy period
DAY CARE PROCEDURES 405 day care procedures covered

2. IRDA Registration No : 129; Corporate Identity Number : U66010TN2005PLC056649
CORPORATE OFFICE: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034. Ph: 044-28288800
Help Line. 99946 12916, 93628 54443 E-mail.: dhanasekaran.p@starhealth.in
CATARACT LIMITS SI 2 lacs: RS 12000 flat (per policy period).
SI 3/4/5 lacs : Rs 20000 for one eye & 30000 both eye (per policy period).
SI 10/15 lacs : Rs 30000 for one eye & 40000 both eye (per policy period)
BONUS ADDITIONS Sum Insured - 3 to 15 lacs 35% max for claim free
AUTOMATIC RESTORATION Available from SI 3 lacs & Above : 100% (In between policy period in case SI getting fully
exhausted of becoming zero, top up of 100% of SI will be done at no extra cost)
TAX BENEFITS Under sec 80 D
WAITING PERIOD For health cover - 30 days,
For Accidental Injury - covered from DAY 1
BAD RISK person suffering from chronic kidney disease, cancer, heart disease, brain stroke,
parkinson, alzhmier
INSTANT RECHARGE BENEFIT FREE OF COST extra coverage for all types of claims if and when the original SI becomes
insufficient, Upto 30% of SI ( Recharge SI filled only once in policy period & Facility for 3L
/ 4L / 5L only
AUTO COVER FOR NEW
BORN BABY
Hospitalization expenses for treatment of New Born Baby, born during the policy period.
This cover starts from the 16th day after birth and is subject to a limit of 10% of SI or
(50k) , whichever is less.
DONOR EXPENSES FOR
TRANSPLANT OF ORGANS
up to a limit of 10% of the SI or (1 lakh), whichever is less
COST OF HEALTH CHECK UP up to 1% of the average basic sum insured subject to a maximum of Rs.5000/- after
every 3 years of policy run
DOMICILARY HOSPITAL
EXPENSES
UNLIMITED Domiciliary Hospitalization Expenses, exceeding 3 days. Does not cover
certain minor medical conditions
CLASS A CITIES Ahmedabad, Bangalore, Chennai, Hyderabad including Secundrabad, Kolkata, Mumbai
including Thane, Pune, New Delhi Including Noida, Gurgeon, Ghaziabad & Faridabad
CLASS B CITIES Allahabad, Amritsar, Agra, Baroda, Coimbatore, Cochin, Goa, Indore, Jalandhar, Jodhpur,
Kanpur, Kota, Ludhiana, Mohali, Meerut, Nagpur, Pakola, Rajkot, Surat, Udaipur, Vizag
Varanasi, Vijayawada and all state capitals other than those falling under CLASS A
OTHER LOCATIONS Rest of India not falling under Class A & Class B
FIRST YEAR EXCLUSIONS NO 1YR EXCLUSION ,ONLY FIRST 2 YEAR EXCLUSION
FIRST 2 YEAR EXCLUSION Cataract, diseases of the vitreous and retina, Diseases of the ENT, mastoidectomy/
tympanoplasty/stapedectomy, Diseases of the thyroid gland, Varicose veins and varicose
ulcers, Diseases of the prostate, Urethral stricture/obstructive uropathies, All types of
Hernia, Varicocele/ Hydrocele, Fistula/ fissure in ano, hemorrhoids/ Pilonidal sinus and
fistula, Congenital internal defect /disease, Gall bladder diseases and Stones (Calculii) in
any internal organ and its management/treatment, All and any treatment related to
female reproductive system /benign breast diseases, Any treatment related to
tendon/ligament/ fascia/bone and joints, Diseases of disc and vertebra including IVDP
(PIVD), Lumps/cysts of any type on any part of the body, Transplant of organs and
surgery
GENERAL EXCLUSION Maternity, Dental, HIV/Aids, Naturopathy, contact lens, wheel chair, crutches, hearing
aids, congenital external disease, non-allopathic, weight control/reduction treatments,
mental disorders, suicide attempts, non-medical expenses, Dental treatments etc refer
policy conditions for exclusions

3. IRDA Registration No : 129; Corporate Identity Number : U66010TN2005PLC056649
CORPORATE OFFICE: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034. Ph: 044-28288800
Help Line. 99946 12916, 93628 54443 E-mail.: dhanasekaran.p@starhealth.in
How much to pay?
FamilySize
Age
Sum Insured Rs.
3,00,000/-
Sum Insured Rs.
4,00,000/-
Sum Insured Rs.
5,00,000/-
Sum Insured Rs.
10,00,000/-
Sum Insured Rs.
15,00,000/-
Zone
1
Zone
2
Zone
3
Zone
1
Zone
2
Zone
3
Zone
1
Zone
2
Zone
3
Zone
1
Zone
2
Zone
3
Zone
1
Zone
2
Zone
3
2A
5m-35 6750 5736 5164 7752 6979 6280 8628 7334 6601 11221 10099 9086 13293 11965 10769
36-45 8381 7128 6412 9297 8370 7534 10494 8920 8032 13643 12280 11055 16167 14553 13099
46-50 12767 10855 9767 13328 11994 10797 16603 14112 12704 21583 19425 17484 25574 23020 20719
51-55 15961 13563 12206 16660 15566 14009 20753 17639 15875 27086 24280 21852 31968 28774 25894
56-60 19150 16276 14650 19992 18566 16711 24904 21171 19053 32375 29140 26226 38363 34527 31075
61-65 24898 21160 19047 25992 23392 21051 29885 26896 24205 38850 34963 31470 46035 41432 37293
66-70 29873 26885 24738 31190 28070 25259 35861 30480 27434 46619 41959 37762 55246 49722 44747
2A+1C
5m-35 8353 7099 6389 9521 8570 7712 11278 9589 8628 13986 12589 11330 16574 14914 13425
36-45 9727 8267 7443 10878 9790 8811 12423 10563 9504 16150 14536 13082 19139 17227 15503
46-50 13740 11679 10511 15148 13631 12269 18034 15332 13797 23444 21102 18990 27783 25001 22505
51-55 17175 14599 13139 18824 16940 15246 22545 19162 17244 29306 26375 23736 34728 31253 28127
56-60 20610 17519 15767 22585 21457 19310 27051 24348 21910 35169 31648 28482 41672 37504 33755
61-65 26793 22774 20496 28230 25408 22866 32461 27595 24835 42199 37980 34184 50008 45004 40504
66-70 32152 28934 26621 33881 30835 27440 38953 31270 28144 50638 45577 41020 60009 54004 48605
2A+2C
5m-35 10711 9103 8192 11708 10540 9435 14141 12023 10820 17839 16036 14433 21114 19001 17101
36-45 12246 9795 8817 12939 11645 10482 15458 13139 11828 20095 18085 16276 23810 21429 19288
46-50 15916 13528 12177 17169 15967 13906 20553 17473 15721 26719 24045 21641 31659 28493 25648
51-55 19894 16912 15217 21131 19007 17106 25694 21835 19654 33400 30056 27051 39577 35621 32060
56-60 23873 20295 18263 25345 22808 20524 30829 26203 23587 40081 36068 32461 47495 42743 38466
61-65 28648 24348 21915 41861 27371 24635 36995 31447 28299 48096 43287 38953 56992 51290 46161
66-70 34379 30938 28465 36491 32844 29558 44392 35638 32077 57714 51943 46745 68391 61549 55395
2A+3C
5m-35 12320 10471 9423 13465 12120 10906 16259 13820 12440 21142 19024 17123 24280 21852 19665
36-45 14084 11971 10774 14879 13391 12051 17776 15108 13597 23112 20799 18721 27383 24646 22179
46-50 16013 15555 14003 19746 17770 15996 23639 20089 18080 30726 27652 24887 36411 32426 29495
51-55 22877 18303 16471 23919 21526 19373 29547 25116 22602 38409 34568 31110 45514 40962 36863
56-60 27451 21961 19768 28751 25877 23289 35455 30136 27119 46092 41483 37333 54617 49155 44237
61-65 32947 28001 25201 34974 31476 28327 42542 36165 32547 55309 49779 44798 65540 58985 53088
66-70 39537 35581 32736 41964 37768 33995 51056 40985 36886 66370 59735 53758 78650 70784 63702
1A+1C
5m-35 6074 4861 4374 6979 6280 5651 7769 6601 5943 10099 9086 8181 11965 10769 9692
36-45 6973 5576 5021 7912 7122 6406 8920 7586 6824 11599 10437 9395 14553 13099 11788
46-50 10734 8588 7729 11032 9927 8937 14009 11908 10717 18211 16391 14753 23020 20719 18646
51-55 13179 10540 9486 13660 12292 11066 17061 14416 12973 22179 19963 17965 28591 25728 23158

4. IRDA Registration No : 129; Corporate Identity Number : U66010TN2005PLC056649
CORPORATE OFFICE: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034. Ph: 044-28288800
Help Line. 99946 12916, 93628 54443 E-mail.: dhanasekaran.p@starhealth.in
56-60 16711 13368 12028 17169 15452 13906 21171 17994 16196 27520 24766 22287 34527 31075 27967
61-65 22408 19047 17141 23163 20845 18761 26896 22860 20576 34963 31470 28322 41432 37293 33560
66-70 26885 24200 22265 27795 25013 24091 32278 25911 24950 41959 37762 33984 49722 44747 40275
1A+2C
5m-35 7517 6389 5754 8570 7712 6939 10150 8628 7763 13196 11874 10689 14914 13425 12080
36-45 8444 7179 6458 9790 8811 7929 11044 9389 8450 14358 12921 11627 17227 15503 13952
46-50 12286 9830 8845 13156 11845 10660 16230 13797 12418 21102 18990 17089 25001 22505 20255
51-55 15458 12366 11129 15961 14364 12927 20289 17244 15520 26375 23736 21366 31253 28127 25316
56-60 18549 15767 14192 19511 17559 15801 23232 19746 17770 30199 27177 24463 37504 33755 30377
61-65 24114 20496 18446 25408 22866 20581 29215 24835 22350 37980 34184 30760 45004 40504 36457
66-70 28934 26043 23959 30491 27440 26427 35060 28144 27102 45577 41020 36915 54004 48605 43745
1A+3C
5m-35 9572 8135 7322 10540 9481 8536 13437 11421 10276 16374 14736 13259 19001 17101 15395
36-45 10477 8381 7546 10958 9864 8874 14685 11897 10706 17948 16150 14536 21429 19288 17358
46-50 13866 11301 10173 14335 12904 11610 19528 15618 14061 25385 22843 20558 28493 25648 23083
51-55 16763 13660 12292 17238 15343 13809 23123 18847 16957 30056 27051 24348 35621 32060 28854
56-60 20318 13122 14902 20810 18623 16763 26564 21778 19602 34527 31075 27967 42743 38466 34619
61-65 25785 21915 19723 26799 24119 21703 33297 28299 25471 43287 38953 35060 51290 46161 41546
66-70 30938 27846 25619 32157 28940 27869 39955 32077 30886 51943 46745 42073 61549 55395 49853
Zone 1: Delhi including National Capital
Region. Mumbai including Thane and the
State of Gujarat
Zone 2 means Bangalore, Chennai, Coimbatore,
Kerala and Pune
one 3 means Rest of India excluding areas falling
under Zone 1 and Zone 2
Including Service Tax 14.50%
How to make a claim under the policy?
 Call the 24 hour help-line for assistance - 1800 425 2255
 Inform the ID number for easy reference
 In case of planned hospitalization inform 24 hours prior to admission in the hospital
 In case of emergency hospitalization information to be given within 24 hours after hospitalization
 Cashless facility wherever possible
 In non-network hospitals payment must be made up-front and then reimbursement will be effected on
submission of documents
Portability:
 This policy is portable. For details please contact SSM 99946 12916, 93628 54443.