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Co-payment in case of Star Health FHO and Comprehensive policy
Share 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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Reply 
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.
3 Comments Reply Reply Reply Reply 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.
1 Comments Reply Reply
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.