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For Comparative Insurance Quote: Sai Sadan, 252-K, 2nd Floor, Raja Dhirsain Marg, Sant Nagar, East of Kailash, New Delhi-65
Phone: 011-41324957, 41623784, Mob:+91-8447757651 & 53 Email: ria1@surekhae.com
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
 
General/ Health Insurance Companies Products
Life Insurance Companies Products
8- Star Health And Allied Insurance Co. Ltd : Family Floater Insurance
Source: Website of Star Health and Allied Insurance Company Limited
Family Health Optima
Exclusions
  • 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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