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Star Health Family Health Optima
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Star Health Family Health Optima

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Start Date / Month Any Date
Insurance Policy Duration ( In Years) 1 Year

Family Health Optima Insurance Plan
- Single policy, wider coverage for whole family at an affordable premium.
- Get extra sum insured (auto recharge) at no extra cost, up to 30% of sum insured.

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Life & Health Insurance Services

Sector 31, Noida, Uttar Pradesh
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Product Specification

Start Date / Month Any Date
Insurance Policy Duration ( In Years) 1 Year

Product Description

Family Health Optima Insurance Plan
  • Single policy, wider coverage for whole family at an affordable premium.
  • Get extra sum insured (auto recharge) at no extra cost, up to 30%  of sum insured.
  • Health Checkup costs up to Rs.5,000/- for every block of 3 years of policy coverage.
  • Automatic restoration of entire Sum insured by 100%.
  • New-born baby cover from 16th day.
  • Donor expenses for organ transplantation.
  • Domiciliary Hospitalization Expenses for treatment exceeding 3 days.
  • Cover for over 400 day care procedures.

IRDA/NL-HLT/SHAI/P-H/V.II/129/14-15


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Star Health Family Health Optima

Company Details


About the Company

Year of Establishment2016
Legal Status of FirmSole Proprietorship (Individual)
Nature of BusinessService Provider
Number of EmployeesUpto 10 People
Annual TurnoverUpto Rs. 50 Lakh
IndiaMART Member SinceMar 2017
Know About Your Life Insurance

In our country, which is one of the most populated in the world, the prominence of insurance is not as widely understood, as it ought to be. What follows is an attempt to acquaint readers with some of the concepts of life insurance, with special reference to LIC.

It should, however, be clearly understood that the following content is by no means an exhaustive description of the terms and conditions of an LIC policy or its benefits or privileges.
For more details, please contact our branch or divisional office. Any LIC Agent will be glad to help you choose the life insurance plan to meet your needs and render policy servicing.
What Is Life Insurance?

Life insurance is a contract that pledges payment of an amount to the person assured (or his nominee) on the happening of the event insured against.
The contract is valid for payment of the insured amount during:
» The date of maturity, or
» Specified dates at periodic intervals, or
» Unfortunate death, if it occurs earlier.
Among other things, the contract also provides for the payment of premium periodically to the Corporation by the policyholder. Life insurance is universally acknowledged to be an institution, which eliminates 'risk', substituting certainty for uncertainty and comes to the timely aid of the family in the unfortunate event of death of the breadwinner.

By and large, life insurance is civilization's partial solution to the problems caused by death. Life insurance, in short, is concerned with two hazards that stand across the life-path of every person:
  • That of dying prematurely leaving a dependent family to fend for itself.
  • That of living till old age without visible means of support.

Life Insurance Vs. Other Savings

Protection:
Savings through life insurance guarantee full protection against risk of death of the saver. Also, in case of demise, life insurance assures payment of the entire amount assured (with bonuses wherever applicable) whereas in other savings schemes, only the amount saved (with interest) is payable.
Tax Relief:
Life Insurance is the best way to enjoy tax deductions on income tax and wealth tax. This is available for amounts paid by way of premium for life insurance subject to income tax rates in force.
Assessees can also avail of provisions in the law for tax relief. In such cases the assured in effect pays a lower premium for insurance than otherwise.
Who Can Buy A Policy?

Any person who has attained majority and is eligible to enter into a valid contract can insure himself/herself and those in whom he/she has insurable interest.
Policies can also be taken, subject to certain conditions, on the life of one's spouse or children. While underwriting proposals, certain factors such as the policyholder’s state of health, the proponent's income and other relevant factors are considered by the Corporation.

Keyman Insurance

Keyman insurance is taken by a business firm on the life of key employee(s) to protect the firm against financial losses, which may occur due to the premature demise of the Keyman.

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Seller Contact Details

Trillochan Nayak

Shop No. 15 A, Timber Market
Sector 31
Noida - 201301 Uttar Pradesh, India

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