Restoration up to 3 Times
100% of the sum insured is restored up to 3 times in the same policy year.
Star Family Health Optima — Plan Details, Benefits & How to Buy in Assam
Star Family Health Optima covers the whole family on one floater — self, spouse, up to 3 children, parents and parents-in-law — with the sum insured restored up to 3 times a year. Here are the details from Star Health's official website, in plain words — and how we help you buy, port or claim in Guwahati and across Assam.
100%Claim SupportWe guide you every step
10 minPolicy IssuanceDigital policy in minutes
10+Years of ExperienceServing Assam since day one
24/7Emergency SupportCall us anytime
At a Glance
Star Family Health Optima at a Glance
Star Health · Family floater health insurance
| Feature | Details |
|---|---|
| Cover type | Floater only |
| Entry age | 18 to 65 years |
| Family | Self, spouse, up to 3 dependent children, parents and parents-in-law |
| Policy term | 1 or 2 years |
| Waiting periods | Pre-existing diseases 36 months · specified diseases / procedures 24 months |
| Air ambulance | Up to 10% of the sum insured for the policy period |
From Star Health's official website (October 2026). Features and premiums change — we confirm the current details for your age and city before you buy.
Key Benefits
Key Benefits of Star Family Health Optima
Recharge Benefit
Extra cover when the limit is used up — usable even for the same hospitalisation, up to the set limits.
Road Accident Boost
Sum insured increased by 25% (up to ₹5 lakh) for road traffic accident hospitalisation.
Newborn Cover
From the 16th day after birth, up to 10% of the sum insured or ₹50,000, whichever is less.
Assisted Reproduction
Proven assisted reproduction treatments covered up to the specified limits.
Home Care Treatment
Home care for specified conditions up to 10% of the sum insured a year.
Also included / available: loyalty bonus for sum insured of ₹3 lakh and above; day care and domiciliary hospitalisation; organ donor expenses; second medical opinion; preventive health check-up; wellness reward programme.
Is It Right for You?
Who Star Family Health Optima Suits — and What to Check
Our honest view, so you buy with open eyes:
Good for
- Joint families who want parents and in-laws on one policy
- Families who want the cover refilled several times a year
- Couples planning a family (assisted reproduction, newborn cover)
Check before you buy
- One sum insured is shared by everyone — choose it for the whole family
- Adding older parents raises the premium for the floater
- Entry age is up to 65
Compare
Compare Star Family Health Optima With Similar Plans
We never sell just one plan. We put Star Family Health Optima side by side with plans like these and show you the difference for your family:
Star Health Assure
Star Health — family health insurance (individual or floater).
Star Health AssureCare Supreme
Care Health — comprehensive health insurance (individual or floater).
Care SupremeAll Health Plans
Compare popular plans in Assam.
All Health PlansHow to Choose
8 things to check before you buy.
How to ChooseBuy, Port or Claim
Buy or Port to Star Family Health Optima in Guwahati & Assam
No office visit — on a phone call or WhatsApp, for families in Guwahati, Dibrugarh, Jorhat, Tinsukia, Sivasagar, Shillong, Itanagar and anywhere in India.
- 1
Compare
We compare Star Family Health Optima with other plans for your age, city and hospitals.
- 2
Buy or Port
We fill the proposal with you — or move your existing policy at renewal, with your waiting-period credit.
- 3
Claim Help
At claim time we help with cashless approval or reimbursement — in Assam or in Chennai, Hyderabad, Delhi, Mumbai or Bangalore.
FAQ
Star Family Health Optima — Questions
Self, spouse, up to 3 dependent children, parents and parents-in-law, on one floater sum insured. Entry age is 18 to 65.
100% of the sum insured is restored up to 3 times in the same policy year.
36 months for pre-existing diseases and 24 months for specified diseases or procedures.
Yes — from the 16th day after birth, up to 10% of the sum insured or ₹50,000, whichever is less.
Yes. We arrange Star Family Health Optima on call or WhatsApp, compare it with other plans first, and help you at claim time — no extra fees.
Get a Star Family Health Optima Quote
Call or WhatsApp us — we compare Star Family Health Optima with other plans for your family, free.