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Insurance

Family Health Optima Insurance Plan

Family Health Insurance Optima Policy. One of the best Insurance Plan for families in India. Buy a Super saver Plan covering the entire family under single sum insured. Loaded with extra benefits.

Policy typeFamily-floater health insuranceInsurerStar Health and Allied Insurance Company LimitedEntry ageAdults 18 to 65 years; renewals after 65; children from 16 days
Official product page ↗Compare category

Quick eligibility check

Family Health Optima Insurance Plan

0 of 8 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: Adults 18 to 65 years?

Published source: Entry age

2Do you meet this requirement: renewals after 65?

Published source: Entry age

3Do you meet this requirement: children from 16 days?

Published source: Entry age

4Does your age meet this requirement: A person aged 18 to 65 years who resides in India can take the plan?

5Does your age meet this requirement: after age 65, only renewals are permitted?

6Document checkDo you have this required document or proof: Product brochure and Download Form linked on the official page?

7Document checkDo you have this required document or proof: Age, residence and family-relationship details for each insured member are required for the family-floater proposal?

8Document checkDo you have this required document or proof: The reviewed product page does not enumerate additional purchase documents; the insurer’s proposal form and policy wording control final requirements?

0 of 8 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Family Health Optima Insurance Plan
Offered byBank of Baroda

India; eligibility, branch and channel availability follow the official product terms

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Policy typeFamily-floater health insuranceView source
The official page describes one sum insured for the family.
Source
Family Health Optima Insurance Plan
Page / section
Overview
Accessed
20 Aug 2026
Confidence
high
Open official source ↗
InsurerStar Health and Allied Insurance Company LimitedView source
The official product page identifies Star Health.
Source
Family Health Optima Insurance Plan
Page / section
Product identity
Accessed
20 Aug 2026
Confidence
high
Open official source ↗
Entry ageAdults 18 to 65 years; renewals after 65; children from 16 daysView source
The official page publishes these adult and child limits.
Source
Family Health Optima Insurance Plan
Page / section
Eligibility
Accessed
20 Aug 2026
Confidence
high
Open official source ↗
CoverageAll day-care procedures; organ-donor expenses; assisted reproduction; domiciliary hospitalisation when treatment exceeds 3 daysView source
The benefits section lists these covers.
Source
Family Health Optima Insurance Plan
Page / section
Benefits
Accessed
20 Aug 2026
Confidence
high
Open official source ↗
RestorationAutomatic restoration of sum insured up to 3 timesView source
The page publishes three automatic restorations.
Source
Family Health Optima Insurance Plan
Page / section
Benefits
Accessed
20 Aug 2026
Confidence
high
Open official source ↗
Renewal grace period120 days from policy expiryView source
The page states a 120-day renewal grace period.
Source
Family Health Optima Insurance Plan
Page / section
Benefits
Accessed
20 Aug 2026
Confidence
high
Open official source ↗
Family Health Optima eligibilityA person aged 18 to 65 years who resides in India can take the plan; after age 65, only renewals are permitted. A child older than 16 days can be covered as part of the family.View source
The official Eligibility section publishes the adult age, residency and child-age rules.
Source
Family Health Optima Insurance Plan
Page / section
Eligibility
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Family Health Optima benefitsThe plan offers wider family coverage, extra sum insured at no extra cost, health check-ups, three-times automatic restoration of sum insured, assisted-reproductive-treatment cover, organ-transplant donor expenses, domiciliary hospitalisation for treatment exceeding three days and all day-care procedures.View source
The official Benefits section lists the restoration, family, treatment and day-care benefits.
Source
Family Health Optima Insurance Plan
Page / section
Benefits
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Renewal grace periodA grace period of 120 days from the policy's expiry date is available for renewal.View source
The official Benefits section publishes the renewal grace period.
Source
Family Health Optima Insurance Plan
Page / section
Benefits
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Zone and family-size premium scheduleThe prospectus attaches complete one-year and two-year premium charts (excluding tax), split by Zone A-D, family composition, age band and sum insured. For example, Zone A non-parent cover for one adult and one child ranges from ₹7,968 at 16 days-35 years with ₹1 lakh sum insured to ₹21,279 with ₹25 lakh; the same row is ₹12,516 for ₹5 lakh and ₹15,019 for ₹10 lakh. Zone D parent/parent-in-law cover for each parent ranges from ₹7,779 at up to age 50 with ₹3 lakh sum insured to ₹76,330 above age 80 with ₹25 lakh. Two-year Zone A non-parent cover for one adult and one child ranges from ₹15,139 at 16 days-34 years with ₹1 lakh to ₹40,430 with ₹25 lakh, and rises to ₹3,18,108 for the above-80 row with ₹25 lakh. All quoted chart amounts exclude tax; the exact premium depends on the insured family, zone, age band and sum insured.Effective 22 Jul 2023View source
The prospectus labels the attached schedules as premium charts excluding tax and prints each zone, family-size, age-band and sum-insured column. It also states quarterly 3% and half-yearly 2% instalment loading, a 5% online upfront discount and a 10% second-year discount for two-year policies.
Source
Family Health Optima Insurance Plan prospectus - V.10 / 2023
Page / section
Pages 13-27 - complete one-year and two-year premium charts
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Waiting-period and coded exclusionsThe prospectus applies a 30-day initial waiting period except accidental hospitalisation, a 24-month waiting period for specified illnesses/procedures and a 48-month waiting period for pre-existing diseases. The coded exclusion schedule also covers investigation-only admissions, rest cure/rehabilitation, obesity treatment outside the stated conditions, cosmetic or gender-reassignment treatment, hazardous/adventure sports, breach of law, excluded providers, alcohol or drug abuse, dietary supplements, refractive error below the stated threshold, unproven treatment, infertility, maternity outside the stated benefit, congenital conditions, intentional self-injury, war/nuclear risks, non-allopathic treatment and dental treatment outside covered accidental injury.Effective 22 Jul 2023View source
The prospectus prints the waiting-period clauses and the applicable coded exclusion schedule; the full policy wording controls interpretation of each exclusion.
Source
Family Health Optima Insurance Plan prospectus - V.10 / 2023
Page / section
Pages 8-10 - waiting periods and coded exclusions
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Sum insured / coverThe current Family Health Optima page states a single family-floater sum insured ranging from ₹5 lakh to ₹25 lakh. The Bank of Baroda product page's earlier brochure listing also shows ₹3 lakh and ₹4 lakh options; confirm the currently available options at quote time.View source
Star Health's current says the sum insured ranges from ₹5 lakh to ₹25 lakh; the Bank of Baroda page and brochure show older ₹3 lakh/₹4 lakh options, so availability should be checked before purchase.
Source
Star Health Family Health Optima — official product page
Page / section
— sum-insured range; Plan Essentials
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
Policy termThe policy can be taken for 1 year or 2 years and is renewable for life when renewed under the policy terms.View source
The official plan page states that the policy can be taken for one or two years and describes lifelong renewability.
Source
Star Health Family Health Optima — official product page
Page / section
Plan Essentials — Policy Term; Lifelong Coverage and Renewability
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
Waiting periodsInitial illness waiting period: 30 days, except accidents; specified diseases/procedures: 24 months; pre-existing diseases: 36 months; assisted reproduction treatment: 36 months from first inception.View source
The current policy page lists 30-day initial, 24-month specified-disease and 36-month pre-existing-disease waits, and a 36-month assisted-reproduction wait.
Source
Star Health Family Health Optima — official product page
Page / section
Waiting Period; Assisted Reproduction Treatment
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
Geographic limitsAll day-care procedures; organ-donor expenses; assisted reproduction; domiciliary hospitalisation when treatment exceeds 3 daysView source
The manually reviewed product record states: “All day-care procedures; organ-donor expenses; assisted reproduction; domiciliary hospitalisation when treatment exceeds 3 days”.
Source
Family Health Optima Insurance Plan — official product page
Page / section
Published product metadata
Accessed
20 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • All day-care procedures
  • organ-donor expenses
  • assisted reproduction
  • domiciliary hospitalisation when treatment exceeds 3 days

Eligibility

  • A person aged 18 to 65 years who resides in India can take the plan
  • after age 65, only renewals are permitted. A child older than 16 days can be covered as part of the family.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Product brochure and Download Form linked on the official page.
  • Age, residence and family-relationship details for each insured member are required for the family-floater proposal.
  • The reviewed product page does not enumerate additional purchase documents; the insurer’s proposal form and policy wording control final requirements.

Related official documents

Family Health Optima Insurance Plan - Star Health prospectus V.10 / 2023official-prospectus · current · accessed 29 Aug 2026
↗
Star Health Family Health Optima — official product pageofficial-product-page · current · accessed 28 Aug 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Life-cover needs estimate

See whether your current cover and savings may leave a gap for your family. This does not calculate an insurance premium.

Possible cover gap₹1,15,00,000one crore fifteen lakh rupees
Income your family may need₹1,00,00,000one crore rupees
Cover and savings already counted₹5,00,000five lakh rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Zones · Published valuesZone A: Delhi/NCR, Ahmedabad, Surat, Vadodara and listed districts; Zone B: Mumbai, rest of Gujarat, Thane, Palghar and Raigad; Zone C: Chennai, Kerala, Bengaluru, Pune, Hyderabad, Indore and listed districts; Zone D: rest of India.

This value is copied from Family Health Optima - premium schedule summary (excluding tax). Check the table notes before relying on it.

Source: Family Health Optima Insurance Plan prospectus - V.10 / 2023 · Pages 13-27 - premium charts Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 7 rows · 2 columnsFamily Health Optima - premium schedule summary (excluding tax)The full official schedule spans pages 13-27. The comparison view preserves the dimensions used to select the exact premium and representative published rows.View tableHide table

Scroll sideways to view every column

Family Health Optima - premium schedule summary (excluding tax)
Schedule dimensionPublished values
ZonesZone A: Delhi/NCR, Ahmedabad, Surat, Vadodara and listed districts; Zone B: Mumbai, rest of Gujarat, Thane, Palghar and Raigad; Zone C: Chennai, Kerala, Bengaluru, Pune, Hyderabad, Indore and listed districts; Zone D: rest of India.
Sum insured₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh and ₹25 lakh; ₹1 lakh and ₹2 lakh are available only for renewals.
One-year non-parent exampleZone A, 1 adult + 1 child, age 16 days-35: ₹7,968 for ₹1 lakh, ₹12,516 for ₹5 lakh, ₹15,019 for ₹10 lakh and ₹21,279 for ₹25 lakh.
One-year parent exampleZone D, each parent/parent-in-law, up to age 50: ₹7,779 for ₹3 lakh and ₹15,029 for ₹25 lakh; above age 80: ₹39,508 for ₹3 lakh and ₹76,330 for ₹25 lakh.
Two-year non-parent exampleZone A, 1 adult + 1 child, age 16 days-34: ₹15,139 for ₹1 lakh, ₹23,780 for ₹5 lakh, ₹28,536 for ₹10 lakh and ₹40,430 for ₹25 lakh; above age 80, ₹1,19,113 for ₹1 lakh and ₹3,18,108 for ₹25 lakh.
Discounts and instalments5% upfront online discount on the base premium at first purchase; 10% discount on the second-year premium for a two-year term; 3% quarterly or 2% half-yearly instalment loading; 5% one-time no-claim discount after three consecutive claim-free years under the stated transition rules.
Tax treatmentThe prospectus explicitly marks every premium chart as excluding tax; add /statutory taxes to the current insurer quotation.
  • The complete age/family-size/zone tables remain in the cited prospectus; representative rows are shown here so the product page remains readable.
  • Premium rates may be revised under the insurer's approved process; verify the live quote before purchase.
Family Health Optima Insurance Plan prospectus - V.10 / 2023 · Pages 13-27 - premium charts · effective 22 Jul 2023 · accessed 29 Aug 2026Open official source ↗
Table 2 · 7 rows · 2 columnsFamily Health Optima — published family cover and renewal termsKey eligibility, restoration, family and renewal rows from the official page.View tableHide table

Scroll sideways to view every column

Family Health Optima — published family cover and renewal terms
TermPublished detail
EligibilityResident in India, age 18–65 years; after 65 only renewals; child above 16 days can be included
Plan structureEntire family covered under one family-floater sum insured
BenefitsWider family coverage, extra sum insured at no extra cost, health check-up, organ-donor and assisted-reproduction cover
Automatic restorationSum insured can be restored up to 3 times
Domiciliary careCovered where treatment exceeds 3 days
Policy termOne-year or two-year policy, renewable for life under policy terms
Grace period120 days from policy expiry for renewal
  • The current page publishes a single family-floater sum insured from ₹5 lakh to ₹25 lakh; the earlier brochure listing also shows ₹3 lakh and ₹4 lakh options, which should be confirmed at quote time.
Family Health Optima Insurance Plan · Benefits; Eligibility; Product Brochures · accessed 30 Aug 2026Open official source ↗

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