Star Super Surplus Insurance Plan

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

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

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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