Star Health and Allied Insurance Company Limited
Family Health Optima Insurance Plan
UIN SHAHLIP23164V072223We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹25 lakh
Claim settlement (CSR)
99.06%
PED waiting
48 months
Specific disease wait
24 months
Mandatory co-pay
0%
Room rent prop. ded.
Yes
Pre / post hosp.
60 / 90 days
Network hospitals
14,000+
Free look
15 days
What this plan does well
- 120-day Grace Period (vs 30-day industry standard)
- 3x Automatic Restoration in policy year (vs 1x in Star Comprehensive)
- Recharge Benefit (additional indemnity once if exhausted)
- 25% additional SI for RTA (max ₹5L)
- Compassionate Travel + Repatriation Mortal Remains built-in
- Assisted Reproduction sub-fertility cover ₹1L (5L SI) / ₹2L (≥10L SI)
Watch out for
- PED waiting 48 MONTHS (industry standard 36) — major negative
- Newborn cover from Day 16 (vs Day 1 in Star Comprehensive / Aspire / Elevate)
- 20% mandatory co-pay for 61+ entry
- Cataract sub-limited (₹12K-50K per eye)
- AYUSH sub-limited (₹10K-20K, not up to SI)
- Organ Donor sub-limited (10% SI or ₹1L, lower)
- Modern Treatments sub-limited (same table as Star Comprehensive)
- No OPD; no Tele-Consultations addon
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.