• Star Super Surplus Insurance Plan

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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Responsiveness

    It is a comprehensive insurance policy that covers the expenses incurred by the policyholder due to illness, disease or injury.

    Check Your Eligibility

    Features & Benefits of Star Surplus Insurance:

    Entry age Minimum age: 3 months Maximum age: 65 years
    Maximum policy renewal age 75 years
    Policy term 1 year
    Type of plan
    • Individual
    • Family floater
    Sum Insured Minimum- Rs.7 lakh for individual and Rs.10 lakh for family floater plan over and above deductible Maximum- Rs.10 lakh for individual and family floater health insurance plan over and above deductible
    Cover
    • In patient hospitalisation
    • Cashless facility
    • Room rent
    • Doctor fee
    • Re-imbursement
    • Drug and medicine expenses
    Key features
    • It is a top up policy aimed to protect the policyholders from higher claims
    • The policy can be bought online
    • Cashless hospitalisation
    • Direct in-house claim settlement
    • Hassle free claim settlement
    Benefits
    • Pre-existing diseases are covered after 36 months of continuous insurance
    • No pre policy medical check-up required
    • Deductible as opted is applicable for each and every hospitalisation
    • Tax benefits
    Tax benefits Tax benefits under section 80D of the Income Tax Act
    Free look period A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions. In case insured is not satisfied he can seek cancellation of the policy and in such event the Company will allow refund of premium after adjusting the cost of the expenses incurred at the time of availing the policy.
    Exclusions
    • No claim period- Any disease contracted during the first 30 days of commencement of the policy
    • Deductible-Rs.3 lakh for Individual cover and Rs.3 lakh/ 5 lakh for Family Floater
    • Cosmetic procedures
    • Naturopathy
    • Non allopathic treatment
    • No immediate cover for pre-existing diseases

    Read terms, conditions and exclusions mentioned in the policy document.

    Star Super Surplus ‘Gold’ Variant:

    A basic insurance cover offers protection against certain scenarios, but life can often take unexpected turns, putting us in a spot of bother. Star Super Surplus Gold Plan is a specialised product which offers additional protection during these unexpected situations, ensuring that one is prepared to tackle any eventuality. Available as an individual and floater plan, this caters to specialised needs of individuals.

    The primary advantage of the Gold Plan lies in its attention to detail, with Star Health Insurance offering customised solutions to policyholders. Facilities like air-ambulance, high cover, lifelong renewal and no pre-insurance medical check-ups ensure that one can carry on with their normal routine, staying rest assured that their health is taken care of, under all circumstances. The option to avail a second medical opinion under this plan highlights their concern for your health, ensuring that a policyholder has access to all facilities required.

    Features and Benefits of Star Super Surplus Gold Plan:

    Entry age Minimum – 8 years Maximum – 65 years Children over the age of 3 months can avail protection under this plan, subject to their parents purchasing it
    Maximum policy renewal age Lifelong renewals permitted
    Policy term 1 year
    Type of plan Individual Floater
    Sum insured Minimum – Rs 5 lakhs Maximum – Rs 25 lakhs
    Cover Hospitalisation expenses (room, boarding and nursing charges) Consultation fees (Surgeon, Specialist, Anaesthetists, etc.) Medicine cost Operation theatre expenses Blood transfusion/pacemaker charge Air ambulance Emergency ambulance services Second opinion charge
    Key features Enhanced protection through top-ups Online purchase option Modification of sum assured permitted Complete cover to family (floater plan) Second opinion cover Cover for pre-existing diseases
    Benefits Pre-hospitalisation and post-hospitalisation cover Pre-policy medical check-up not mandatory Option to choose sum assured Tax exemptions Comprehensive cover
    Tax benefits Premiums paid by a policyholder are eligible for tax benefits under Section 80D of the Income Tax Act
    Free look period Policies can be returned within 15 days of purchase, subject to certain conditions
    Exclusions Normal dental procedures War injuries Injuries attributed to nuclear activities Circumcision Vaccination/Inoculation Congenital external ailments Mental disorders STDs Alcohol/drug induced injuries HTLV-III related ailments Venereal ailments/diseases

    Find cashless network hospitals nearby: Star Health Network Hospitals

    Also Read: Check Incurred Claim Ratio of Health Insurers

    Also Read: Best Health Insurance Plans of 2017

    Also Read: How to File a Claim with Star Health?

    Other Health Insurance Plans from Star Health Insurance:

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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    Star Super Surplus Insurance Plan Reviews

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    • Page 1 of 26 1 2 3 4 5
    • Star Health Health Insurance
      "Best Health Insurance policy"
      0.5 5.0/5 "Blown Away!"
      Cashless treatment is available only in cities. In other rural areas, i cannot claim the policy for cashless transaction. In rural side, i have to collect all the bill and claim the policy after i paid my bill. I have claimed the policy once for my father. I used to make the payment of Rs. 7500 for me and any wife. I have already recommended this policy to my friends. I can claim easily and i got the payment as soon as possible if i issue the documents properly.
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      , chennai
      Reviewed on Jun 12, 2018
    • Star Health Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      Got the health insurance policy with the STAR HEALTH & ALLIED INSURANCE company around 3 years ago. This policy covers 4members in my family. This policy has the coverage amount up to Rs,2,00,000 and I am satisfied with it. The medical coverage and the cashless treatment options are good with the Star health insurance policy.
      Was this review helpful? 0

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      , hyderabad
      Reviewed on Jun 12, 2018
    • Star Health Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy with the Star Health. We do not have any experience with the policy. Overall service good. My brother handles the payments for this policy. I am not aware of any other details regarding this policy. It offers coverage for the entire family. I never had any issues with the policy and their services.
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      , mumbai
      Reviewed on Jun 08, 2018
    • Star Health Health Insurance
      "Good"
      0.5 3.5/5 "Pretty good"
      I do have the health insurance policy with the Star health insurance company. Coverage value is around 1 lakh Rupees. Customer service is similarly okay , also its not bad too. Response is better one with the Star health insurance company.
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      , coimbatore
      Reviewed on Jun 06, 2018
    • Star Health Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the Star Health insurance policy for a while. I am paying premium of 16000 per year. The premium amount gets auto debited from my account. I never had any issues with their services. Overall the payment options are really convenient and it is a recommendable policy to have.
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      , bangalore
      Reviewed on Jun 05, 2018
    • Star Health Health Insurance
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      I've been using the Medi-Claim policy from Star Health for the past 4 years. I am paying a premium of 12000 per year. I claimed it once during the first year . The claim process was really smooth and hassle free. I never had any issues with their services.
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      , coimbatore
      Reviewed on Jun 02, 2018
    • Star Health Health Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      Got a health insurance policy from the Star health and allied insurance company. This policy covers 4members in my family. Here it covers the medical coverage amount up to Rs,10,00,000 and I am satisfied with it. This policy is good to use..
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      , chennai
      Reviewed on May 31, 2018
    • Star Health Health Insurance
      "Everyone can avail health insurance"
      0.5 5.0/5 "Blown Away!"
      It was smooth process. They are not refunding the money for the plastic items like syringe items. I had a very good claim experience with them. They have a very good hospital list. If they make it fully cashless transaction it will be good. Then they will get lots of customer. I used to pay the premium of Rs. 11000 for my family. The premium amount is increasing every year.
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      , bangalore
      Reviewed on May 31, 2018
    • Star Health Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Star health from last 5-6 years and it is a good insurance policy. I pay a premium of Rs 26000 for this insurance which is for family. I have a coverage value of Rs 6 lakhs for this insurance and i have not claimed anything so far from this insurance.
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      , gurgaon
      Reviewed on May 29, 2018
    • Star Health Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy with the Star Health. I pay a premium of 7000 per year. I do not have any claim experience with the policy. I'll have to wait and see how they respond to my claim requests in the future. As of now this too early to evaluate their services.
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      , kolkata
      Reviewed on May 29, 2018
    • Star Health Health Insurance
      "Start Health Insurance - Great Provider"
      0.5 5.0/5 "Blown Away!"
      I have taken this Insurance around 5 year back. So far very happy with their services. The claim resolution is very professional and they don't harass customers. I had to claim few times and in all instance it was settled to my satisfaction. Overall very good medical Insurance provider.
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      , mumbai
      Reviewed on May 24, 2018
    • Star Health Health Insurance
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      I've been using the employer provided health insurance from the Star Health Insurance company. The company is paying the premium,I do have a claim experience with the policy. They settled a claim of 75000 and the claim process was easy and hassle free.
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      , bangalore
      Reviewed on May 24, 2018
    • Star Health Health Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      I hold a health insurance with Star health from last 1 year, i am happy with the coverage value of this insurance policy as they cover up to Rs 5 lakhs. My claim experience was good with this insurance and they covered 70% of the amount. I am not aware of the premium amount as company pays it.
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      , hyderabad
      Reviewed on May 23, 2018
    • Star Health Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a health insurance policy with Star health from last 8 years, i am happy with the coverage of this insurance policy. My claim experience was good with this insurance and the coverage value was good. I pay a premium of Rs 13013 and they cover up to Rs 3 lakhs.
      Was this review helpful? 0

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      , coimbatore
      Reviewed on May 20, 2018
    • Star Health Health Insurance
      "Claim experience was good"
      0.5 5.0/5 "Blown Away!"
      I hold a health insurance from STAR HEALTH & ALLIED INSURANCE and the policy coverage is for 2.5 lakhs. As this is a corporate insurance and the claim experience was really good. I gone for cashless treatment and the procedure was easy and satisfied.I will be applicable for the dependent in the family.
      Was this review helpful? 0

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      , chennai
      Reviewed on May 17, 2018
    • Star Health Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I am happy about the services of Star health. I do have a claim experience for a small amount. The claim process was easy. Their Customer support is also good. I pay a premium of 24000 per annum for a coverage of 20 Lacs for the Whole Family. This is a recommendable policy to have.
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      , chennai
      Reviewed on May 17, 2018
    • Star Health Health Insurance
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I'm impressed with the Services of Star Health. I've an accidental cover policy from then. I pay a premium of 1600 Yearly for a coverage of 6 lacs. Their services are very good. I recently have a claim experience with them and the claim was processed with in days.
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      , chennai
      Reviewed on May 16, 2018
    • Star Health Health Insurance
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy from Star Health . For an annual coverage of 5 Lacs I pay a premium of 16000 . It offers security to my entire family. It is easy to make payments. I got a claim for almost 85000 when I met with an accident . Documentations are very easy and got the claim amount with in 2 days.
      Was this review helpful? 0

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      , chennai
      Reviewed on May 16, 2018
    • Star Health Health Insurance
      "Star health insurance"
      0.5 5.0/5 "Blown Away!"
      I have taken a health insurance from Star health insurance. And the premium was 6000. There is no claim experience. They provide cashless facility.The customer service fine. I have to renew the policy every year.
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      , roorkee
      Reviewed on May 15, 2018
    • Star Health Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      Actually i have my health insurance with the STAR and my overall experience with star is good. Once i had my claim experience with this insurance i had to claim it in one hospital an obviously the limit for claim will always depends upon the hospital. I had a good claim experience and customer service is also good.
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      , hyderabad
      Reviewed on May 13, 2018
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