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For Comparative Insurance Quote: Om Plaza, 430/7, 1st Floor, Sant Nagar, East of Kailash, New Delhi-65
Phone: 011-41324957, 41623784, Mob:+91-8447757651 & 53 Email:
Family Floater Health Insurance Products in India (for your entire family)
(1) What is the Concept of Family Floater in health insurance?   (2) Introduction Family Floater Health Insurance
(3) Coverage & Exclusion under Family Floater Policies   (4) Family Floater Premium Comparative Chart
(5) Comparison of Family Floater Policies   (6) Policy Wording/ Proposal Form/ Brochure
(7) Family Floater Insurance Health from Companies   (8) Health Insurance Below Poverity Line (BPL) Families
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8- Star Health And Allied Insurance Co. Ltd : Family Floater Insurance
Source: Website of Star Health and Allied Insurance Company Limited
Family Health Optima
  • Expenses for the treatment of any illness/ disease/condition which is pre-existing
  • Treatment of illness/ disease/ sickness contracted by the insured person during the first 30 days from the commencement date of the policy
  • First Two Years Exclusions:Cataract,Hysterectomy for Menorrhagia or Fibromyoma, Replacement surgery for knee and/or joint (other than caused by an accident),Prolapse of intervertebral disc(other than caused by accident),varicose veins and varicose ulcers
  • First Year Exclusions: Benign Prostate Hypertrophy, Hernia, Hydrocele, Fistula in anus, Piles,Sinusitis and related disorders,congenital internal disease/ defects, removal of gallstones and renal stone
  • Naturopathy treatment
  • Expenses which are purely diagnostic in nature with no positive existence of any disease
  • Expenses incurred for non-allopathic treatment
  • Treatment of external Congential disease/ defects/ anomalies
  • Expenses which are mainly cosmetic in nature
NOTE : For a detailed list of exclusions, refer policy document.
Claims Procedure
  • Inform the ID number for easy reference
  • In case of a planned hospitalisation, please inform 24 hours prior to admission into the hospital
  • In case of emergency hospitalisation, information to be given within 24 hours after hospitalisation
  • At non-network hospitals, payments must be made upfront and then reimbursement will be effected on the submission of documents
NOTE: The benefits and exclusions mentioned herein are only an outline of the policy. For complete details, please contact your nearest Star Health office.
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