DIGITAL INDIA

Family Floater Medical Insurance

While choosing a health insurance plan, make sure you consider Family Health Optima. This is an exclusive insurance plan for the entire family under a single roof- one family one policy one premium and one sum insured that floats among the persons insured  net result : considerable flexibility and economy.

A Super Saver Policy among Family Health Insurance Plans
Single Sum Insured
Coverage for entire family
Single Premium
Considerable saving in premium as the family is covered under one policy

Who can take this Insurance?
Any person aged between 5 months and 60 years residing in India can take this insurance. Dependent children up to 25 yrs can be covered

Family Includes
Proposer, spouse, dependent children upto 25 years, who are economically dependent on their parents

Pre- Medical screening
Compulsory medical check up is done for persons above 50 years of age at the cost of the company

Pre-Existing Diseases / Illness
Are covered after 48 months of continuous insurance with us
Policy Benefits
Hospitalisation Cover: Protects the insured person for in-patient hospitalisation expenses for a minimum of 24 hours. These expenses include room and boarding charges as per policy conditions
Nursing expenses
Surgeon’s fees, Consultant’s fees, Anesthetist’s and Specialist’s fees
Cost of medicines and drugs
Emergency ambulance charges for transporting the insured patient to the hospital upto a sum of Rs.750/- per hospitalization and overall limit of Rs.1500/- per policy period

Pre and Post Hospitalisation Cover
Pre-hospitalisation medical expenses upto 30 days prior to the date of admission
Post-hospitalisation calculated at 7% of the hospitalisation expenses (excluding room charges), subject to a maximum of Rs.5000 is payable

Over one-fifth of those suffering from Diabetes the world over are in India and the number is swelling year by year. If left unattended it can severely affect vital organs like eyes and the kidneys, and therefore it needs urgent attention. Treatment for such complications can often burn a hole in your pocket.Protection against such an eventuality is offered by Star Health’s diabetes care plan for those affected by Diabetes Mellitus Type II.

Claims Procedure

1. Call the 24-hour helpline 1800 425 2255 for assistance
2. Inform the ID number / policy number for easy reference
3. In case of planned hospitalization, please inform 24 hours prior to admission into the hospital
4. In case of emergency hospitalization, information to be given within 24 hours after hospitalization In non-network hospitals, payment must be made upfront and then reimbursement will be effected on the submission of documents

An accident or a health crisis can have serious implications. It could lead to a severe financial setback that erodes your careful saving. In turn, this could mean giving up on some of the goals and aspirations in one’s life. You need a buffer in the form of accident and life insurance to minimise the adverse impact due to an accident/disease.Medi Classic Insurance from Star Health addresses this requirement. This is a life and accident insurance policy that provides for reimbursement of hospitalization expenses incurred as a result of illness /disease /sickness and/or car accident/personal accident insurance claims.