How to buy Star Health Insurance Plan?

InsuranceDekho provides you easy ways to buy Star Health Insurance Policy. These are: Online : On the online mode, the policy is generated instantly along with the card and kit. However, this feature is mostly applicable for the cases, where there is no requirement of medical checkup or underwriting. Telephone - You can also contact the customer care executives at InsuranceDekho on the toll-free number 7551196989 and get all the details of the plan.

Why should I buy a Star Health insurance plan?

The health insurance policy by Star Health safeguards you and your family for any financial crisis that may arise due to a medical emergency. Purchasing a proper health plan can assist you in saving your hard-earned money and other assets.

How many claims can I make in a year?

You can make any number of claims over the year. But, the number of claims should not exceed the limit of the sum insured.

How many network hospitals are covered under Star Health?

There are more than 9,800 top-quality network hospitals covered under Star Health.

Is medical check-up required to buy a Star Health Insurance Policy?

Yes, the medical check-up is required to buy a Star Health Insurance Policy. But it is applicable only for the people of above 50 years.

Star Family Health Optima Insurance User Reviews

403 reviews Rate This

Star

Highlights

Cashless Approval TAT	Within 2 hours
Claim Settlement Ratio	99.10%
Network Hospitals	14,000+
Pre-existing Disease Waiting Period	1 year
Special Benefits	No Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs SI	Rs. 410/month

Health Insurance Calculator

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Where do you live ?

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Choose required Coverage for yourself?

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Disclaimer: Actual Premium might vary basis your location, age and number of members

Rating of Family Health Optima

4.1

Based on

37 User reviews

Trustworthy Health Insurance Provider
InsuranceDekho has proven to be a trustworthy health insurance provider. They have always been there when I needed them the most as I bought the Star Health Insurance- Family Health Optima, and their support during medical emergencies is commendable.
S
Shailesh Kumar
On: Jul 24, 2023
Convenient claim settlement process
The claim settlement process for the Star Health Insurance- Family Health Optima was extremely easy. When the time came for settling the claim against the plan, I just had to submit a few documents. So, the claim settlement process for the plan was easy.
N
Naresh Mukharjee
On: Jul 11, 2023
Availability of various plans
InsuranceDekho's website is a platform that provides a variety of plans to choose from. I visited their website and bought the My star health insurance cash insurance plan. I loved the plan for all its benefits and features. This plan is highly recommended from my side.
M
Manya Kaur
On: Feb 23, 2022
Summary of policy highlighted
Besides detailed policy descriptions, InsuranceDekho provides a highlighted section that contains a summary of each health plan’s key inclusions and exclusions. This feature helped me to compare the key benefits of each health plan easily. Later, I bought Star Health Insurance’s Family Health Optima plan.
S
Sudeb Goswami
On: Mar 02, 2021
Information on cashless mediclaim
Information on cashless mediclaim was detailed on InsuranceDekho. The features of cashless mediclaim were crystal clear once I went through the segment. I could easily purchase Star Health Insurance’s Family Health Optima plan.
M
Momota Adak
On: Feb 15, 2021

Why to Buy Health Insurance Policy Online from InsuranceDekho

Tax benefit upto 75,000*
Claim support everyday 10AM-7PM
80 Lacs+ happy customers

Plenty of health plans
I love to visit InsuranceDekho, as the website has plenty of health plans. So glad to find Star Health Insurance’s Star Family Health Optima Insurance plan. It is a super saver plan that covers the health necessities of my entire family.
R
Ritabrata Ganguly
On: Jan 06, 2021
Skilled customer care team
InsuranceDekho has a skilled and experienced customer care team. I called them and asked for help to choose a policy for my family. They assisted me in choosing the Family Health Optima policy of Star Health Insurance. They provided me with every necessary detail.
P
Partha Ray
On: Nov 19, 2020
Quality has no boundaries
Family Health Optima is an excellent plan .
P
PRANAB KUMAR MOHANTY
On: Jun 27, 2020
Great investment
Buying this plan for myself and my family has been the best investment so far that i have made. I have got four members of my family covered under this. The premium was a little higher but when i compared it with other products in the market, i think i made the right decision.
S
Sumit Wason
On: Feb 18, 2020
Buy and make right decision
If you are thinking to purchase a health insurance plan for your family, then buying family health optima can be the best option for you.The payment process is simple and clear and transparent too. &n...
S
Sarim Hameed
On: Feb 18, 2020
Very nice family plan
I had purchased Family health optima from insurancedekho last year on my friend’s recommendation who works in Insurancedekho. Earlier i was not sure of this company and his decision but when i read about the reviews of this plan online, i gained trust and purchased it immediately in 5 minutes
F
Faiz Abbaz
On: Feb 06, 2020
I get all the benefits
Family health Optima Plan is a great choice to make when it comes to preparing yourself financially for future health emergencies. Some benefits in it are-air ambulance charges, domiciliary hospitalisation expenses, pre and post hospitalisation expenses, and all sorts of day care procedures. You must buy it from ID only
S
Sujit Govind Lohar
On: Feb 06, 2020
Family floater product
All i did was call on the toll free number of insurancedekho and discuss my requirements with the customer care executives at insurancedekho. They shortlisted a few family floater plans for me and i chose star of them. Not only because the plan was high on benefits, but also because they gave me little discount
N
Nitin Kumar
On: Jan 23, 2020
Family floater product..
All i did was call on the toll free number of insurancedekho and discuss my requirements with the customer care executives at insurancedekho. They shortlisted a few family floater plans for me and i chose star of them. Not only because the plan was high on benefits, but also because they gave me little discount
N
Nitin Kumar
On: Jan 23, 2020
Comprehensive plan .
I have got my entire family covered under this plan for two years. I brought this plan on insurancedekho’s recommendation and currently enjoying the benefits of it. It covers me for in-patient hospitalisation expenses, domiciliary hospitalisation expenses, air ambulance expenses and so on.
R
Rohan Jain
On: Jan 23, 2020
Comprehnsive plan.
Family health optima from star health is a great offer that insurancedekho made to me when I called them at 1800 1205 698 for my health insurance needs. My plan offers me many benefits including free health check up, domiciliary hospitalisation expenses, daycare procedures, air ambulance charges etc. Iam satisfied with their services
R
Raj Srivastava
On: Jan 21, 2020
Planning to renew my plan
I brought my family health optima plan from insurancedekho who’s services are worth appreciation. They helped me decide on this plan for my family after comparing this plan with others in terms of benefits offered, sum insured and premium amount. I got convinced with its advantages and brought it within a few minutes
D
Dimple Ganguly
On: Jan 21, 2020
Amazing customer care services at insurancedekho
I have full faith on the staff at insurancedekho that whatever they'll suggest me will be the best advice.. they have knowledge of all the plans and understand your needs and suggest you the best accordingly.. i had 0 knowledge of health insurance and this was my first time to buy so i took their advice and the experience was good
p
pappu
On: Jan 06, 2020
Great experience...
The buying process at insurancedekho was smooth as butter. The ppl there adviced me to buy this family plan and explained me the inclusions and exclusions...nothing was hidden from the plan.. i have not availed claim anytime now so cant comment on that.. but choose only ID for your health insurance related needs.
N
Narinder Singh
On: Jan 06, 2020
Good plan..will renew it again
Since a few years now, I have been renewing this policy from star health insurance as iam satisfied not only with its coverage features, but also premium amount.. im getting other benefits apart from the basic ones like lifetime renewability, tax benefits etc.. also, insurancedekho might offer you some discounts
S
Sanjay Bhavnani
On: Dec 16, 2019
A plan with wide coverage
My sum insured under this plan is of 3 lakh and the coverage is for in patient hospitalisation expenses, domiciliary hospitalisation expenses, air ambulance charges, all types of daycare procedures, and pre and post hospitalisation cover. What else can one as for? I recommend this plan to others too.
O
Om Sharma
On: Dec 16, 2019
Covers my entire family
I am happy to have purchased family health optima plan from star health..it seems to be just the right plan for myself and my family of 4.. I have my spouse and my two kids covered at minimum premium premium under this plan. I also have an option to get additional sum insured by paying a little amount.
G
Gopal Nath
On: Dec 06, 2019
Great benefits in this plan
Under my family health optima plan, I am covered for sum insured of rs 3 lakh and iam satisfied with the benefits Iam getting like domiciliary hospitalisation cover, air ambulance cover, pre and post hospitalisation expenses, in-patient hospitalisation expenses, etc.. And i found insurancedekho’s services really satisfactory..
S
Sagrika Mukherjee
On: Dec 06, 2019
Great advantages
I think ppl are less aware of advantages that health insurance provides them and therefore they dont buy it. But i know how much my family health potima plan has helped me in the time of need and therefore i recommend everyone to have atleast health insurance plan
M
Mohammed iqbal
On: Nov 27, 2019
Plan helps a lot
Family health optima plan has been covering me and my family against hospitalisation expenses since almost 2 years now. It is a great plan that has helped me a lot in the time of need in these years. My wife got hospitalised for some reason and i made a claim..
S
Shiva kumar
On: Nov 27, 2019
Thanks for your services
The insurance broker ID has really helpful customer care executives who help you choose the plan from many in the market, understand your needs and help you in the purchase process. Not only this, they will not even leave you at the time of claim settlement. I was really satisfied with the deal
s
santosh kr jha
On: Nov 18, 2019
Very easy to understand and user friendly
The family health optima plan from star health insurance is easy to understand and user friendly at the same time. You only need to call them at their toll free number 1800 1205 698 and rest they will take care of it. Also, everybody faces health emergencies in life so this plan will definitely be useful for all.
V
Vandan jadhav
On: Nov 18, 2019
Pretty fast claim process
The reason why I chose star health was because i knew that it offers really good claim settlement process. Also, i experienced it myself when last year i had made a claim under my family health optima plan when my father was hospitalised. The process was really smooth and i have no complaints
S
Sravan
On: Nov 07, 2019
Good company and plans
Iam an existing customer of star health insurance policy and therefore chose this company only to cover myself and my family under the same plan for some extra coverage. It is always good to have more than one health insurance policies so that you can benefit from both.
R
Rakesh Kumar Gupta
On: Nov 07, 2019
Very happy with the services...
When my son was hospitalised, I used my family health optima plan which I purchased from insurancedekho..Iam very satisfied with the services they offered me as they helped me throughout the entire claim process. It was a great help from there side and I couldn’t have asked for more.
J
Jagdish Chand
On: Oct 29, 2019

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FAQs

How to buy Star Health Insurance Plan?
InsuranceDekho provides you easy ways to buy Star Health Insurance Policy. These are:

Online: On the online mode, the policy is generated instantly along with the card and kit. However, this feature is mostly applicable for the cases, where there is no requirement of medical checkup or underwriting.

Telephone - You can also contact the customer care executives at InsuranceDekho on the toll-free number 7551196989 and get all the details of the plan.
Why should I buy a Star Health insurance plan?
The health insurance policy by Star Health safeguards you and your family for any financial crisis that may arise due to a medical emergency. Purchasing a proper health plan can assist you in saving your hard-earned money and other assets.
How many claims can I make in a year?
You can make any number of claims over the year. But, the number of claims should not exceed the limit of the sum insured.
How many network hospitals are covered under Star Health?
There are more than 9,800 top-quality network hospitals covered under Star Health.
Is medical check-up required to buy a Star Health Insurance Policy?
Yes, the medical check-up is required to buy a Star Health Insurance Policy. But it is applicable only for the people of above 50 years.

View All

Claim Process at Star Health Insurance

Network Hospital
Non-Network Hospital

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
3
Claim Processing
Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
4
Claim Settlement
Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
3
Claim Processing
Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
4
Claim Settlement
Once your request for reimbursement of expenses is approved, the claim will be settled.