The Key Features and Benefits of Star Family Health Optima Insurance Plan are as follows:

• Floater Coverage: This plan offers coverage to the policyholder and the family members on a floater basis.
• Sum Insured: It comes with a range of sum insured starting from Rs 1 lakh to Rs 25 lakh.
• Automatic Restoration of Sum Insured: The sum insured amount will be restored up to 100% upon exhaustion for a maximum of 3 times during the policy period.
• Lifetime Policy Renewals: Lifelong policy renewal is possible for all policyholders
• Co-Payment: If the age of the applicants is above 60 years, then 20% of co-payment is applicable to each and every claim and their subsequent renewals.
• Pre-acceptance Medical Screening: People above 50 years will need to undergo pre-acceptance medical check-ups at the registered diagnostic center The cost of medical check-ups is also borne by the insurer.
• Pre-Existing Illnesses: Coverage for pre-existing diseases is provided after 48 months of continuous coverage.
• Recharge Benefit: Additional coverage amount up to the specified limit will be provided once in the policy year in case of exhaustion of the sum insured.
• Cumulative Bonus: Enhancement of sum insured by 25% in the second year and an additional 10% in the upcoming years for every claim-free year (subject to policy terms and conditions)
• Direct Claim Settlement: Direct claim settlement without the involvement of any third party administrator
• Faster Settlement of Claims: The insurance company offers hassle-free and faster claim settlements.
• Cashless Treatment: Cashless hospitalization can be availed at more than 11,000 network hospitals across India