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| Family Floater Health Insurance Products in India (for your entire family) |
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| 8- Star Health And Allied Insurance Co. Ltd : Family Floater Insurance |
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| Source: Website of Star Health and Allied Insurance Company Limited |
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| Family Health Optima |
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| Exclusions |
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- 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
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| NOTE : For a detailed list of exclusions, refer policy document. |
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| 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
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| 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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