Sum insured₹10 L – ₹1 Cr
CSR—
Network hosp.7K+
PlanIndividual
- Zero co-payment at any age
- No room rent cap (any room category)
- 100% restoration of sum insured
Covers: Self + spouse (2 adults 18+), Up to 4 dependent children (3 months–25 years)
Star Health
Star Family Health Optima
Sum insured
₹3 L – ₹25 L
family floater
14K+Network
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Key features
- Family floater: entire family shares one sum insured
- Automatic restoration: 100% sum insured restored up to 3 times in a policy year on exhaustion
- Recharge benefit: additional ₹1,50,000 once if SI is exhausted
- Day-care procedures covered (treatments under 24 hours)
- AYUSH (Ayurveda/Yoga/Unani/Siddha/Homeopathy) treatments covered
- Newborn baby cover from day 16
- Free annual health check-up after claim-free renewal
- Bariatric surgery covered (subject to conditions)
- Modern treatments covered (e.g., robotic surgery, oral chemotherapy)
- Road ambulance ₹750 per hospitalisation (₹1,500 annual limit)
- Air ambulance up to 10% of sum insured
- Cumulative bonus up to 100%
- Cashless across 14,000+ hospitals nationwide
What’s included
- In-patient hospitalisation (room, boarding, nursing, doctor fees, ICU)
- Pre-hospitalisation medical expenses
- Post-hospitalisation medical expenses
- Day-care procedures (under 24 hours)
- AYUSH inpatient treatment
- Newborn baby cover
- Automatic restoration of sum insured (up to 3 times)
- Recharge benefit ₹1,50,000
- Road ambulance services
- Air ambulance up to 10% of SI
- Bariatric surgery
- Modern treatments
- Annual health check-up
- Organ donor expenses
- Cumulative no-claim bonus
What’s excluded
- Maternity expenses and childbirth
- Out-patient/doctor consultations not requiring hospitalisation
- HIV/AIDS-related treatment
- Cosmetic and aesthetic surgery
- Dental treatment unless arising from accident requiring hospitalisation
- Self-inflicted injury / attempted suicide
- Congenital external diseases
- Voluntary miscarriage / abortion
- Treatment outside India
- War, nuclear and terrorism-related claims
Eligibility
- Min age
- 0 years
- Max age
- 65 years
- Max entry age
- 65 years
- Covers
- Self, Spouse, Dependent Children (16 days–25 years), Up to 2 Dependent Parents / Parents-in-law
- Policy term
- 1, 2, or 3 years
- PED waiting period
- 36 months (3 years)
- Initial waiting
- 30 days (excluding accidents)
- Co-payment
- 20% co-payment for members aged 61+ at fresh entry; nil for younger members
- Room rent
- Single standard A/C private room covered up to base limits; higher categories require cost-sharing
- No-claim bonus
- 10% increase in sum insured per claim-free year, up to a maximum of 100%
Similar plans
Aditya Birla Health
Aditya Birla Activ Health Platinum
Sum insured₹5 L – ₹20 Cr
CSR—
Network hosp.13K+
PlanIndividual
- Day-1 cover for 7 listed chronic conditions (incl. hypertension, diabetes, asthma) under Chronic Management Programme
- Super Reload — 100% restoration of SI, unlimited times per policy year, for related and unrelated illnesses
- Super Credit (optional) — 100% SI increase every year regardless of claims, capped at 500% / ₹3 Cr
Covers: Self, Spouse, Children, Parents, Parents-in-law, Siblings, Grandparents, Extended family
Bajaj General Insurance
Bajaj Allianz Health Guard
Sum insured₹1.5 L – ₹50 L
CSR—
Network hosp.8K+
PlanIndividual
- Three variants: Silver, Gold, Platinum (increasing benefits)
- In-patient hospitalisation
- Pre-hospitalisation (60 days)
Covers: Self, Spouse, Dependent children, Parents, Parents-in-law, Siblings (limited)
Care Health
Care Supreme
Sum insured₹5 L – ₹6 Cr
CSR—
Network hosp.10K+
PlanIndividual
- Unlimited restoration of sum insured
- Sum insured up to ₹6 Crore
- No claim bonus up to 150%
Covers: Self, Spouse, Children, Parents