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Star Family Health Optima

by Star Health and Allied Insurance

★★★★☆4.4(32,154 reviews)

Star Family Health Optima provides comprehensive family floater coverage with automatic sum insured recharge and newborn coverage from birth.

Monthly Premium

₹700 - ₹3,500

Deductible

₹0 - ₹15,000

Coverage Type

premium
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Coverage Details

✓Hospitalization
✓Outpatient Care
✗Dental
✓Vision
✓Mental Health
✓Maternity
✓Prescription Drugs
✓Emergency Care
✗International Coverage
✓Telehealth

Pros

  • ✓Auto recharge feature
  • ✓Newborn coverage day 1
  • ✓Air ambulance included
  • ✓Strong renewal benefits

Cons

  • ✗Higher premium for large families
  • ✗Waiting period for PED
  • ✗Urban hospital bias

Editorial Review

“Star Family Health Optima's auto recharge feature is a safety net no family should be without — coverage never runs out mid-year.”

— Femina Health Report 2025

Key Highlights

  • ✓Family floater with auto recharge
  • ✓Newborn coverage from day 1
  • ✓Air ambulance

Quick Summary

ProviderStar Health and Allied Insurance
CountryIndia
Rating4.4/5
Reviews32,154
Typepremium

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