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Star Health · SHAHLIP26046V092526
Star Health Family Health Optima Insurance Plan (IRDAI UIN SHAHLIP26046V092526) is a family floater health insurance plan with sum insured from 5 lakh to 25 lakh (5 options). Pre-existing diseases are covered after 3 years.
Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.
In short
Star Health Family Health Optima Insurance Plan is a health insurance plan from Star Health. Key specifications: plan type Family floater, room rent Single Private A/C Room, pre-existing disease waiting 36 months.
| Plan type | Family floater |
|---|---|
| Sum insured options | 5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh |
| Highest sum insured | 25 lakh |
| Entry age | 18 years (adults); 16 days (dependent children) to 65 years |
| Room rent | Single Private A/ |
| Co-payment | 20% of each and every claim for Insured Persons whose age at entry is 61 years and above |
| Initial waiting period | 30 days |
|---|---|
| Pre-existing disease waiting | 36 months |
| Specific illness waiting | 24 months |
| Pre-hospitalisation | 60 days |
|---|---|
| Post-hospitalisation | 90 days |
| Day-care treatment | Yes |
| AYUSH treatment | Yes |
| Restore benefit | Automatically restored 3 times in a Policy Year by 100% each time upon exhaustion; usable only for illness unrelated to earlier claims (not for Modern Treatment) |
| No-claim bonus | Loyalty Bonus 10% of expiring Sum Insured per year (irrespective of claims), up to maximum 100% of Sum Insured |
| OPD | Not covered (unlimited tele-consultation only) |
| Health incurred claim ratio (insurer) | 70.3% |
|---|---|
| Claims figures for | FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10) |
| Network hospitals (insurer) | 16,000+ |
| IRDAI UIN | SHAHLIP26046V092526 |
Star Health Family Health Optima Insurance Plan (IRDAI UIN SHAHLIP26046V092526) is a family floater health insurance plan with sum insured from 5 lakh to 25 lakh (5 options). Pre-existing diseases are covered after 3 years. It is one of 53 health insurance plans on Comparezi, from Star Health.
Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.
Of the 50 health insurance plans on Comparezi with a stated pre-existing disease waiting period, 9 have a shorter one and 40 have the same. Of the 49 health insurance plans on Comparezi with a stated post-hospitalisation period, 22 have a longer one and 19 have the same.
It depends on your age, cover, city and options. Star Health does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.
Star Health's health incurred claim ratio was 70.30% in FY 2024-25 (IRDAI Annual Report; includes personal accident). An incurred claim ratio compares claims with premiums earned; it is not the share of claims paid. Star Health states a network of 16,000+ hospitals.
Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.
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