Star Health and Allied Insurance Co.

Ltd
Regd. & Corporate Office: 1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai 600034.
Phone : 044 28288800 Telefax : 044 2830 2200 Website : www.starhealth.in
IRDA Registration No : 129 Corporate Identity Number : U66010TN2005PLC056649

Family Health Optima Insurance Plan (UID No: IRDAI/HLT/SHAI/P-H/V.III/129/2017-18).

The additional / modified coverage details revised Family Health Optima Product is as follows.

Details of the additional covers.

Lump-sum cash benefit for shared Accommodation: If the Insured person prefers to occupy, a shared accommodation
during his in-patient hospitalization, a cash payment ranging from Rs.800/- to Rs.1,000/- per day is payable to the insured
person based on the sum insured.
AYUSH Treatment is covered for the first time under this policy ranging from Rs.10,000/- to Rs 20,000/- based on the sum
insured.
Additional sum insured for Road Traffic Accident: For the first time in India the basic sum insured is automatically
enhanced by 25% (subject to maximum of Rs. 5 Lakh) for hospitalization due to accident, if the insured at the time of
accident as a rider or a pillion rider travelling in motor cycle/ scooter, wearing helmet at the time of accident.
Treatment in Preferred Network Hospitals: A lump sum payment of 1% of Basic sum insured subject to a maximum of
Rs.5,000/- per policy period is payable for the treatment taken at preferred network hospitals for policies with sum insured of
Rs. 3 lakh and above.
Air Ambulance charges For policies with sum insured of Rs.5 Lakhs and above Air ambulance charges is payable upto a
maximum of 10% of the basic sum insured per policy period.
Assisted Reproduction for Infertility / Sub-fertility Treatment cover is available for a maximum of Rs.1 lakh for
policies with sum Insured of Rs.5 Lakh and a maximum of Rs.2 Lakh for policies with sum insured of Rs.10 Lakh and above.
This cover is not available for policies below Rs.5 Lakh sum insured.
Second Medical Opinion: The Insured is facilitated to obtain a Second medical Opinion from a Doctor in the Companys
network of Medical Practitioners at free of cost. This is only an e-opinion without undergoing any clinical examination.
Emergency Domestic Medical Evacuation: The expenses (as per policy conditions) incurred for transportation of the
insured person from the hospital where the insured is currently taking treatment to another hospital for continuing treatment
will be reimbursed. The coverage amount is ranging from Rs.5,000/- to Rs.10,000/- based on the sum insured.
Compassionate Travel: For policies with sum insured Rs.10 lakh and above, transportation expenses by Air incurred upto
Rs.5,000/- to one of the immediate family member (other than the travel companion) will be reimbursed.
Higher sum insured options of Rs.20 Lakh and Rs.25 Lakh are newly introduced.

Details of modified covers

Recharge benefit - If the limit of coverage under the policy is exhausted / exceeded then the sum insured is automatically
"Recharged" upto specified limits. Recharge benefit is now offered for the sum insured beyond Rs.5 Lakh also.
Waiting period of 30 days has been waived for New born baby cover.
Day care procedures are allowed without any limits except for Cataract.
Health checkup cover is available for every claim free year, instead of once in every block of 3 years as in previous policy.
The maximum bonus is increased to 100% from 35%.
Automatic Restoration has been increased to 3 times at 100% every occasion, for sum insured of Rs.3 Lakh and above.
Premium rating is determined based on the customer Location.

The revised terms, conditions and rates come into effect from 02.05.2017 in respect of fresh policies and for renewals from
01.08.2017. In respect of renewals due between 02.05.2017 and 31.07.2017 option is available for renewal as per the expiring
terms or as per the revised plan.

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