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Star Health
Family Health Optima
Floater only, built around one cover the family shares - with automatic restoration of the Sum Insured and a newborn covered from its 16th day.
PLAN SELECTION
1 plan available with 5 sum insured options
What you should know first
Where this plan is strong, where to watch - and how it performs on what matters most.
At a glance
5 strong5 to watch
What's strong
- Cover restores 100%, three times a policy year.
- Recharge adds ₹1.5 lakh - usable on the same hospitalisation.
- Loyalty bonus +10% a year to double cover, claim or not.
- ICU uncapped - a costlier room never cuts the ICU bill.
- IVF and IUI inbuilt - ₹1–2 lakh per 36-month block.
What to watch
- Road ambulance pays ₹750 a trip, ₹1,500 a year for the whole family.
- Joining at 61 or older carries a permanent 20% co-pay on every claim.
- Maternity fully excluded - delivery and pre-natal care both.
- Newborn uncovered for its first 15 days, then capped at ₹50,000.
- Restore opens only after full exhaustion, never for the same illness.
What Matters Most
FeatureKey DetailOur Verdict
Standard
Standard
Standard
Standard
Strong
Strong
Standard
Standard
Limited
Limited
Limited
Limited
Next
You’ve read the shape of this cover. Now put a real bill through it.
Policy Features Breakdown
Filter by the worry on your mind to see how this plan handles each concern - its sub-limits, waiting periods and the catches.
What are you worried about?
All Policy Features41 features
StandardCommonly Missed
Your room is covered at a Private Single A/C Room, which the policy defines as the most economical single-occupancy room the hospital has - not a deluxe room or a suite.
Coverage detailstap any row to understand it
Watch out
Take a room above that category and the insurer cuts the same proportion from your nursing, operation theatre and doctor's fees too.
StandardCommonly Missed
This policy pays nothing for pre-existing condition, or for what it directly causes, until you complete 36 months of continuous cover. There is no rider that shortens the wait, and after 36 months the condition is paid only if you declared it when you applied.
Coverage detailstap any row to understand it
Watch out
The 36 months run from the date your first policy started, not from each renewal, so keep the cover running without a break. If you ported in from another insurer, the months you already served there are deducted from these 36.
Strong
ICU charges are paid as part of in-patient treatment with no daily cap and no separate ceiling - the full Sum Insured is available for intensive care. The policy also keeps ICU charges out of the proportionate deduction, so choosing a room above your category never reduces what the insurer pays for the ICU.
Coverage detailstap any row to understand it
Watch out
ICU spending still draws on the same Sum Insured as the rest of the claim, so a long stay at ₹25,000 a day can use up a ₹5 lakh cover in under three weeks.
StandardCommonly Missed
If a claim uses up your whole cover, the policy puts back 100% of the Sum Insured - up to three times in a policy period. The restored amount pays only for an illness unrelated to the one already claimed, and it cannot pay the bill that used the cover up. Modern Treatment claims are left out.
Coverage detailstap any row to understand it
Watch out
Each restoration starts only after the previous one is spent, and anything left over does not carry into the next year. A repeat of the same illness within 45 days of your last consultation counts as the same hospitalisation, so the restored cover will not pay for it.
Limited
Your cover grows by 10% of the expiring Sum Insured at every renewal, up to a maximum of 100%. The bonus is added even in a year you claimed. At that rate it takes ten unbroken renewals to double the cover, and if a claim uses part of the bonus, only the balance carries forward.
Coverage detailstap any row to understand it
Watch out
The bonus is added only if you renew on time or within the grace period - a break in cover loses what you have built up. This is a family floater, so the bonus sits in one pot for everyone named in the policy.
Limited
A Recharge Benefit of ₹1,50,000 sits on top of your Sum Insured and Loyalty Bonus, and it can pay the very hospital bill that used up your cover. You get it once in the policy period, anything unused does not carry forward, and Modern Treatment claims cannot draw on it.
Coverage detailstap any row to understand it
Watch out
The Recharge is a flat ₹1,50,000 whatever your Sum Insured, so it goes much further on a ₹5,00,000 cover than on a ₹25,00,000 one. A road traffic accident adds a separate 25% of the Sum Insured, capped at ₹5,00,000, but only if police and hospital records show you were wearing a helmet on a two-wheeler.
Specific Illness Waiting Periods
These conditions are covered after a waiting period - not excluded. Once the wait is over, they're treated like any other illness. Select a body region, or view the entire body, to see which ones this plan names.
How long you wait, for what
Accidents
Day 1Covered from the first day, with no waiting at all.
Illness, in general
30 daysAfter the first month, ordinary illness is covered.
The listed conditions
24 monthsEach one is then covered, like any other illness.
What you already had
36 monthsConditions you declared when you bought the plan.
Nothing more to prove
60 monthsAfter this, only proven fraud can be held against a claim.
Already diagnosed with one of these? A different rule applies - conditions you already have follow the pre-existing waiting period. See how that works
Entire Body
52 ConditionsWaiting Period: 24 months
Eyes, ENT & Thyroid
Cataract
Eye lens clouding (Cataract)
Head & Face
A clouding of the eye lens that makes vision blurry.
The exact words
“Treatment of Cataract and diseases of the anterior and posterior chamber of the Eye, Diseases of ENT, Diseases related to Thyroid, Benign diseases of the breast.”
Section III – Exclusions · Standard Exclusions · 2. Specified disease / procedure waiting period - Code Excl 02 · f. List of specific diseases/procedures · pages 28–29
Glaucoma
High eye pressure (Glaucoma)
Head & Face
Increased pressure inside the eye that can harm vision.
The exact words
“Treatment of Cataract and diseases of the anterior and posterior chamber of the Eye, Diseases of ENT, Diseases related to Thyroid, Benign diseases of the breast.”
Section III – Exclusions · Standard Exclusions · 2. Specified disease / procedure waiting period - Code Excl 02 · f. List of specific diseases/procedures · pages 28–29
Retinal Detachment
Retina tearing
Head & Face
A serious eye problem where the back layer of the eye pulls away.
The exact words
“Treatment of Cataract and diseases of the anterior and posterior chamber of the Eye, Diseases of ENT, Diseases related to Thyroid, Benign diseases of the breast.”
Section III – Exclusions · Standard Exclusions · 2. Specified disease / procedure waiting period - Code Excl 02 · f. List of specific diseases/procedures · pages 28–29
Retinal Disorders
Retina problems
Head & Face
Diseases affecting the back screen of the eye which is crucial for seeing.
The exact words
“Treatment of Cataract and diseases of the anterior and posterior chamber of the Eye, Diseases of ENT, Diseases related to Thyroid, Benign diseases of the breast.”
Section III – Exclusions · Standard Exclusions · 2. Specified disease / procedure waiting period - Code Excl 02 · f. List of specific diseases/procedures · pages 28–29
Sinusitis and Rhinitis
Sinus and nasal allergy
Head & Face
Swelling inside the nose and face bones causing blockage or pain.
The exact words
“Treatment of Cataract and diseases of the anterior and posterior chamber of the Eye, Diseases of ENT, Diseases related to Thyroid, Benign diseases of the breast.”
Section III – Exclusions · Standard Exclusions · 2. Specified disease / procedure waiting period - Code Excl 02 · f. List of specific diseases/procedures · pages 28–29
Policy Exclusions
What this plan won’t pay for
We read all 37 exclusion clauses in this policy. 21 clauses change what you’d actually claim.
Never paid
12 clausesNo waiting period reaches these - the plan does not cover them at all.
Paid, but only if…
9 clausesWritten as exclusions, but the policy states a way in. The condition is the whole point.
Premium discounts
Ways to pay less
Every discount printed in this policy’s own documents - what it’s worth, who qualifies, and what it asks in return.
Just for qualifying
7 discountsNothing is given up in return - you either meet the condition or you don't.
Policy discount
10%
About the provider
Star Health
Filed plan · UIN SHAHLIP26046V092526
Comparisons· 10 pairs
Put it next to another plan
Family Health Optima beside each of the other plans on the shelf: every clause that differs, read from the policy wording.
Sources
Everything on this page is read from the insurer’s own filings. It is an educational summary - not advice, not a recommendation to buy, and we sell nothing.
Plan facts last updated 17 Aug 2026.
IRDAI UIN: SHAHLIP26046V092526