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Family Health Optima Insurance Plan | Star Health Insurance | @VLOGAJI #healthinsurance
Family Health Optima a Health Insurance Policy from Star Health & Allied Insurance Co Ltd.
#familyhealthoptima #familyhealthpolicy #familyplanning
Top negatives of FHOP:
(I planned for 4 nos. but it's now ended up in 8)
1. Room Rent capping
2. Only 3 times Restoration - not for same diseases in the policy year.
3. Entry age restriction - only upto 65.
4. Medical screening for above 50.
5. 60+ old new joiners should bear 20% co-payment in all claims.
6. A very nominal amount of NO CLAIM BONUS every year and previous year NCB will reduce due to percent year claim. ๐คฃ
7. Only Fertility treatment covered, delivery NOT covered.
8. Very high premium compared to similar policies in the market recently revised.
Top Positives of FHOP:
1. Dependent child can join at 16 day of birth.
2. 25% extra coverage for accident cases
3. 5% discount on fresh policy based on lifestyle questionnaire.
4. EMI facility for 2 years bundle policies.
for more details please find the policy brochure:
Family Health Optima: web.starhealth...
โช@vlogajiโฌ โช@StarhealthInsuranceโฌ
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28 ะฐะฒะณ 2024