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Co-payment in case of Star Health FHO and Comprehensive policy

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08 Mar, 2022 by  Abhishek Pandey

Following are the extracts of the Co-pay clause from Star Family Health Optima Policy(FHO) and Star Comprehensive policy:



FHO Co-payment Clause:


This policy is subject to co-payment of 20% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above.



Comprehensive Co-payment Clause:


This policy is subject to co-payment of 10% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above. This co-payment will not apply for those insured persons who have entered the policy before attaining 61 years of age and renew the policy continuously without any break. This co-payment is applicable for Section 1 Ato 1 G, 1 I, Section 4, Section 7, Section 9, Section 12 and Section 13



My question is whether Co-pay will be applicable in the case of FHO if someone has taken policy before attaining 61 years of age???


This question arose because comprehensive states that Co-pay will not be applicable if someone has taken policy before attaining 61 years and keep on renewing it without any break whereas FHO is silent about it.

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09 Mar, 2022
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whether Co-pay will be applicable in the case of FHO if someone has taken policy before attaining 61 years of age???


NO.

Co-pay will not be applicable for the insured < 61y of age at entry, if the policy is continuously renewed without a break.


Thank you.

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10 Mar, 2022
Abhishek Pandey
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09 Mar, 2022
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Copayment will not arise if someone has taken a policy before 61 years and has been renewing the policy continuosly.


That's why we continuosly stress to take health insurance policy at a younger age so that when you need it the most, you can utilise it well.

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10 Mar, 2022
Abhishek Pandey
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10 Mar, 2022
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10 Mar, 2022
Abhishek Pandey
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09 Mar, 2022
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In FHO also No Copay is applicable if you have entered before the Age of 61.You just need to renew policy continuously without break.



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10 Mar, 2022
Abhishek Pandey
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