Star Health | Family Health Optima Insurance Plan Benefits & Premium Calculator 2021 in Bengali.

Video Title :- Star Health | Family Health Optima Insurance Plan Benefits & Premium Calculator 2021 in Bengali.
About This Plan :- Star Health Family Optima is a complete health insurance policy for the family which covers medical expenses incurred by a person due to any illness or injury. There is a considerable saving in premium as the entire family is covered under one policy with single sum insured.

Eligibility Of Family Health Optima insurance Plan 2021
1. Type of Cover :- Floater Sum Insured (Family Size - 6 Adults + 3 Dependent Children)
2. Entry Age :- For Adults: 18 years – 65 years (Dependent Parents & Dependent Parent-in-laws can also be added)
For Dependent Children: 16 days to 25 years
3. Renewal :- Lifelong
4. Policy Term :- One year
5. Sum Insured Options in Lac :- 3 Lac, 4, 5, 10, 15, 20 & 25 Years.
6. Pre Policy Medical Screening :- All persons above 50 years of age and those who declare adverse medical history in the proposal form are required to undergo pre-acceptance medical screening at the Company designated Centres.
7. Co-payment :- 20 % Co-payment is applicable if the Insured age at entry is above 61 years & above
8. Premium Payment Mode :- Yearly, Half-Yearly, Quarterly & Monthly
9. Pricing :- Zone based pricing Zone -

Benefits Of Family Health Optima Insurance Plan 2021
1. Hospitalization - Room Rent :-
a) 3 to 4 Lac :- Rs. 5,000/- Per day
b) 5 Lac to Adobe :- Single Standard A/C Room
2. Emergency Road Ambulance :- Rs. 750 per hospitalization ; Rs. 1500 per policy period
3. Air Ambulance :- 10 % of Sum Insured, Available for Rs 5 Lac and above SI
4. I.C.U Charges :- Actual
5. Pre Hospitalization :- 60 Days (Blood Report, X-Ray, Medician, CT-Scan e.t.c)
6. Post Hospitalization :- 90 days (Oxygen, Report, Pace-Maker, Anesthesia , e.t.c)
7. Others Benefits :- Surgeon, Medical Practitioner, Consultants & Specialist Fees, Operation Theatres Charges, Cost Of Drugs e.t.c
8. Organ Donor Expenses :- 10 % of Sum insured or Rs 1 Lac whichever is less payable provided Insured person is the recipient. Donor screening expenses and post-donation complications of the donor are not payable.
9. Day Care Procedures :- All day care procedures are covered (Actuals)
10. Cataract :-
a) Rs.3 Lac :- Rs. 20,000/- & Same Year :- 35,000/-
b) Rs.4 Lac :- Rs. 30,000/- & Same Year :- 45,000/-
c) Rs.5 Lac :- Rs. 40,000/- & Same Year :- 60,000/-
d) Rs.10 Lac & Above :- Rs. 50,000/- & Same Year :- 75,000/-
11. Domiciliary hospitalization :- Actuals - Covered for the period exceeding three days
12. AYUSH treatment :- Up to Rs 4 Lac SI - Rs. 10,000; Rs 5 Lac to 15 Lac SI - Rs. 15,000; Rs 20 Lac & Rs 25 Lac SI - Rs. 20,000.
13. New Born Baby cover :- 10 % of Sum Insured (Maximum Rs. 50,000) provided Mother is covered under the policy for at least 1 year & Coverage starts from 16 th day after its birth till policy expiry (Subject to limit and SI availability)
14. No Claim Bonus (Claim Free Year) :-
a) 1st Year 25 % Of Sum Assured
b) 2nd Year 10 % Of Sum Assured
Maximum 100 % Of Sum Assured
15. Automatic Recharge Benefits :-
a) Rs. 75,000 Per Policy Year
b) Rs. 1,00,000 Per Policy Year
c) Rs. 1,25,000 Per Policy Year
16. Automatic Restoration :- 3 times Of Sum Assured
17. Road Traffic Accident :- 25% of Sum Insured Maximum of Rs 5 Lac (Additional sum insured shall be available after exhaustion of the limit of coverage)
18. Health Check up (SI) For Every Claim Free Year
19. Treatment Taking at Networks Hospital :- 1 % Of Sum Insured or Maximum Rs. 5,000/- Per Policy Year.
20. Emergency Travel Expenses :- Air Travel Expenses of one immediate family member reimbursed up to Rs. 5000, Available for Rs 10 Lac SI & above only.
21. Sharing Room Cash Benefits :-
a) For Sum Insured 3 Lac To 15 Lac :- Rs. 800 Per Day
b) For Sum Insured 20 Lac To 25 Lac :- Rs. 1,000 Per Day

WHEN WILL MY MEDICLAIM POLICY COVERED START ?
Accident Related :- Start From Day- 1
Surgical (Newly Diagnosed Critical illness ) :- Start From Day- 30
Non-Surgical ( Dengue, Jaundice, Malaria, Typhoid e.t.c) :- Start From Day- 30
For Specific diseases :- Start From Years- 2
For Pre-existing diseases (Diseases Which You Or Your Family Member Have Before Buying Mediclaim Policy :- Start From Years- 4

Topic Covered :-
a) What is Family Health Optima Insurance Plan
b) What are the Eligibility Conditions of Family Health Optima
c) What are the benefits of star health family floter plan
d) What Are The Waiting Period Of Family Health Optima
c) What are The Premium Of Family Health Optima Insurance Plan 2021.
#familyhealthoptima #Familyhealthinsurance

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[bubainag]

Payment jakhun korbo seta ki cash less na nijheke Payment kore tar por policy theke clam debe?

[meghadebnath]

Vison valo sir 🥰...Sir ki vbe Health Insurance sell korbo over the call e sei niye video chai 🙏

[Preeya_dass]

Acha keo jodi ney ar sey knee replacement korte chae tokhn ki eta apply kora jabe ?

[soumenghosh]

Sir আমার ANKYLISHI spondiysisc আছে, আমি কি এটা নিতে পারবো জানাবেন please?

[nebaditabanerjee]

2 adult 3 child 3 lakh policy te yearly koto premium porbe??

[sumankarak]

Ami 3month agey policy niyechhi.ekhn ki operation er taka pabo

[arunkumarroy]

2 Adult & 1 Child, age 41, 36 & 7 years.Koto takar policy r koto din por claim korte parbo?

[sanjoydutta]

Family health optima sate arogy sanjeevani policy tofat ki?

[manojkumarpaulfaltuandallf]

Father and mother policy te thakbe ?ki

[chandraniroy]

Any one time mediclaim policy available?

[bimalghosh]

পশ্চিমবঙগে কোন কোন হসপিটালে সুবিধা আছে?

[manasmaity]

আমার মায়ের এজমা আছে। পলিসি করার 1মাস বা দুই মাস পরে যদি এডমিশন হয় তাহলে কি উনি ওনার চিকিৎসা পাবে?

[manasmaity]

4adult and 1child koto 3 laks
Polisi koto porbe

[mnb]

I want to do a star health optima policy for my family.
Oldest member of my family l own.
My age 54years 10 months
My wife 43 years
My daughter is 21 years.
Total 3 members of my family.
What is my premium for one year 2023-2024.

[nartakgopalbasak]

65 বছরের বেশি বয়স হলে কি star health insurance করা যাবে।

[abhradas]

Sir suggest korun star family optima r comprehensive er moddhe better konta..2 adult r 2 child koto porbe

[lmiyybj]

Dear Dada, Insurance premium Calender or due date premium Whole Year kivabey Banatey hoi ..please deben❤❤🎉

[samiradak]

আমার এখন বয়স ৪৪+ এখন যা premium দিতে হবে বয়স যখন ৪৬+ হবে তখন কি পরের table অনুযায়ী premium দিতে হবে না starting premium amount টি দিয়ে যেতে হবে ....?? Pl reply me....

[koyalchakraborty]

Dada Star health ar under a policy ache amar... 2 bar premium diachi ... Start health ar under a health checkup ar jonne j taka ta pau a jai seta te ki doctor ar visit pau a jabe ??? R test ar bill chara r kichu dite hobe joma??? Test ar original report ki dite hoy????
PLEASE HELP

[tarunbera]

Can we get Covid-19 treatment benefits? Please tell...