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Star Health · SHAHLIP26046V092526

Star Health Family Health Optima Insurance Plan

Star Health Family Health Optima Insurance Plan (IRDAI UIN SHAHLIP26046V092526) is a family floater health insurance plan with sum insured from 5 lakh to 25 lakh (5 options). Pre-existing diseases are covered after 3 years.

Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.

In short

Star Health Family Health Optima Insurance Plan is a health insurance plan from Star Health. Key specifications: plan type Family floater, room rent Single Private A/C Room, pre-existing disease waiting 36 months.

Premium depends on your profile
Plan type
Family floater
Room rent
Single Private A/C Room
Pre-existing disease waiting
36 months

Cons

  • Co-payment: 20% of each and every claim for Insured Persons whose age at entry is 61 years and above

Who should avoid it

  • Not ideal for High sum insured available · What matters most? (pick any) #41 of 53

Full specifications

Cover

Plan type Family floater
Sum insured options 5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh
Highest sum insured 25 lakh
Entry age 18 years (adults); 16 days (dependent children) to 65 years
Room rent Single Private A/C Room
Co-payment 20% of each and every claim for Insured Persons whose age at entry is 61 years and above

Waiting periods

Initial waiting period 30 days
Pre-existing disease waiting 36 months
Specific illness waiting 24 months

Benefits

Pre-hospitalisation 60 days
Post-hospitalisation 90 days
Day-care treatment Yes
AYUSH treatment Yes
Restore benefit Automatically restored 3 times in a Policy Year by 100% each time upon exhaustion; usable only for illness unrelated to earlier claims (not for Modern Treatment)
No-claim bonus Loyalty Bonus 10% of expiring Sum Insured per year (irrespective of claims), up to maximum 100% of Sum Insured
OPD Not covered (unlimited tele-consultation only)

Insurer

Health incurred claim ratio (insurer) 70.3%
Claims figures for FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer) 16,000+
IRDAI UIN SHAHLIP26046V092526

About the Family Health Optima Insurance Plan

Star Health Family Health Optima Insurance Plan (IRDAI UIN SHAHLIP26046V092526) is a family floater health insurance plan with sum insured from 5 lakh to 25 lakh (5 options). Pre-existing diseases are covered after 3 years. It is one of 53 health insurance plans on Comparezi, from Star Health.

Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.

Cover and limits

  • Plan type: Family floater
  • Sum insured options: 5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh
  • Entry age: 18 years (adults); 16 days (dependent children) to 65 years
  • Room rent: Single Private A/C Room
  • Co-payment: 20% of each and every claim for Insured Persons whose age at entry is 61 years and above

Waiting periods

  • Initial waiting period: 30 days
  • Pre-existing diseases: 3 years
  • Specific illnesses: 2 years

Benefits

  • Pre-hospitalisation: 60 days
  • Post-hospitalisation: 90 days
  • Day-care treatment: Covered
  • AYUSH treatment: Covered
  • Restore benefit: Automatically restored 3 times in a Policy Year by 100% each time upon exhaustion; usable only for illness unrelated to earlier claims (not for Modern Treatment)
  • No-claim bonus: Loyalty Bonus 10% of expiring Sum Insured per year (irrespective of claims), up to maximum 100% of Sum Insured
  • OPD: Not covered (unlimited tele-consultation only)

How it compares on Comparezi

Of the 50 health insurance plans on Comparezi with a stated pre-existing disease waiting period, 9 have a shorter one and 40 have the same. Of the 49 health insurance plans on Comparezi with a stated post-hospitalisation period, 22 have a longer one and 19 have the same.

Premium

It depends on your age, cover, city and options. Star Health does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.

About the insurer

Star Health's health incurred claim ratio was 70.30% in FY 2024-25 (IRDAI Annual Report; includes personal accident). An incurred claim ratio compares claims with premiums earned; it is not the share of claims paid. Star Health states a network of 16,000+ hospitals.

Similar plans from other insurers

Other health insurance plans from Star Health

Sources

Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.

Alternatives

Alternatives to the Family Health Optima Insurance Plan

All health insurance →
  • Family floater Plan type
  • No capping for SI Rs 7 lakh and above; below Rs 7 lakh: 1.50% of SI per day (class A cities) / 1.25% (other cities) Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Tata AIG

MediCare

  • Individual and family floater Plan type
  • No room rent sub-limit stated (In-patient Treatment up to Sum Insured; room category as per Policy Schedule) Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile
  • Individual and family floater Plan type
  • Standard Single Private Room; no capping on ICU accommodation Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Similar cover

Similar health insurance plans

  • Individual and family floater Plan type
  • SI Rs 5/7.5 lakh: up to 1% of SI per day; SI Rs 10-25 lakh: any room (except suite or above category); SI Rs 50 lakh and above: any room Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹10,396 a year*

Star Health

Super Star

  • Individual and family floater Plan type
  • Any room Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹7,345 a year*

Head to head

Compare the Family Health Optima Insurance Plan

Questions

Family Health Optima Insurance Plan FAQs

It depends on your age, cover, city and options. Star Health does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.

SHAHLIP26046V092526. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.

3 years, as stated by the insurer.

Room rent as stated by the insurer: Single Private A/C Room.

Co-payment as stated by the insurer: 20% of each and every claim for Insured Persons whose age at entry is 61 years and above.

60 days before and 90 days after hospitalisation.

5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh.

Data sources

  • Manufacturer official pages

Last updated

Product details

Disclosure

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