Star health and Allied Insurance is one of the first standalone health insurance companies in the country which started its operations in 2006.As per HT-Mars Survey it is rated as one of the best health insurance companies in the India which is very prompt in claims settlement.Star offers a bouquet of health insurance plans catering to both generalized health requirements and specific medical problems.Plans of Star health covers a whole array to policyholder requirement with separate plans being offered for both individuals and family.
Star Family health insurance plan also known Star health family Optima.The plan is believed to one of the cheapest in its category but as smart policyholder we should always keep in mind while buying or renewing health insurance plans price should not be the only parameter. We know that we are in a world where there are no free lunches so everything has a price attached to it.A plan that fits to your current health requirement and future needs is the most apt plan to look into. Experts always advise policyholders to do an online comparison of health insurance plans from different insurers before they decide upon a particular plan.
Most policyholders in India complain about their insurer of getting their claims rejected though it might not be a mistake ,either of the policyholders or the insurer. It is always recommended to look into the fine print of any policy before getting into a health insurance contract with insurer.Since these terms and conditions contains a lot of financial jargons so people tend to avoid them. To avoid people making this mistake we have listed below some important terms and conditions of Star family health optima plan which are important for policyholders looking to buy a star family health insurance plan :
Family health insurance plans are always better tools for planning one’s finances well. Plus the floater options this plans offer makes the usage of the plans very flexible for all the members of the family.But one thing we should keep in mind while taking a family health insurance plan is that don’t include your parents as members of the plan in which you, your wife and your kids are part of . Insurers charge you a premium based on the age of the eldest member in plan and plus your parents would always have higher health requirements compared your own health insurance.You can always opt for a senior citizen policy in which your parents can be a part of and if they are much older you should always opt for separate plans for father and mother respectively.
Star family health plan would is one of the good plans available in the industry today as it is being offered by a standalone health insurer but one should always compare plans offers by other insurers to make a right decision. You can also buy and renew you star family health insurance plan online which simplifies the decision making process more.