This document summarizes the key details of the Family Health Optima (FHO) health insurance plan. The FHO plan provides floater coverage for families up to 2 adults and 3 children. It offers sum insured amounts between Rs. 200,000 to Rs. 15,00,000. The plan provides cashless hospitalization coverage and pre/post hospitalization benefits. It also offers additional benefits like daycare procedures, automatic restoration of sum insured, bonus additions for claim-free years, and portability to other plans. The document outlines the eligibility criteria, exclusions, renewal terms, and underwriting process for the FHO plan.