back arrow Back

Health policy ,is it sufficiant

reply Share
22 May, 2021 by  Surendra Khemka

I hav star insurance policy family health oprima plan

For ne my wife and my son

My age is 55

Premium is 21654 for 5lakh ,now it is in 3rd year

Is it good or shall i change. ,pls advise

like like
Health Insurance

1 Answer

24 May, 2021
Self Employed - Digital Consultant


You can stay insured with Star Health Family Health Optima. There are no specific shortcomings in this plan. The other comparable or better plans from other Insurers are around 20 to 25% more expensive than FHO.

However, I do feel that your total coverage of 5 lacs is inadequate. You should complement your Star Health policy with a super top up & enhance your total cover to at least 20 - 25 lacs on a family floater basis. Speak to your insurance advisor about it or check them on Policybazaar.

One more point. If your son doesn't have any pre-existing medical conditions, you can leave him out of your super top up as he is unlikely to have any major hospitalization. He'll anyways have his own health insurance in a few years as he starts his family.

Best Wishes,

Asad Akbar

like like
icon-comment 1 Comments
icon-reply Reply
25 May, 2021
Surendra Khemka
like like
icon-reply Reply

Tired of dealing with call centers!

Get a professional advisor for life!


Rs. 1799


Discover the best tips for insurance every week!

Beshak is not regulated by the Insurance Regulatory and Development Authority of India (IRDAI) and does not have any alliance or association with any Insurance business.
© Copyright 2023 Beshak Solutions Pvt. Ltd. All Rights Reserved.

Disclaimer: The content on the website is purely for information purposes for the public at large, and does not constitute personal financial advice for a specific individual reader.
If you are reading this, it means you love reading the fine print. Why not get paid for what you love doing - Join us by writing to now 🙂