It is a comprehensive insurance policy that covers the expenses incurred by the policyholder due to illness, disease or injury.
Features & Benefits of Star Surplus Insurance
| Entry age | Minimum age: 5 months Maximum age: 60 years |
| Maximum policy renewal age | 75 years |
| Policy term | 1 year |
| Type of plan |
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| Sum Insured | Minimum- Rs.4 lakh for individual and Rs.5 lakh for family floater plan over and above deductible Maximum- Rs.7 lakh for individual and family floater plan over and above deductible |
| Cover |
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| Key features |
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| Benefits |
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| 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 |
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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 |
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Maximum policy renewal age |
Lifelong renewals permitted |
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Policy term |
1 year |
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Type of plan |
Individual Floater |
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Sum insured |
Minimum – Rs 5 lakhs Maximum – Rs 25 lakhs |
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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 |
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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 |
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Benefits |
Pre-hospitalisation and post-hospitalisation cover Pre-policy medical check-up not mandatory Option to choose sum assured Tax exemptions Comprehensive cover |
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Tax benefits |
Premiums paid by a policyholder are eligible for tax benefits under Section 80D of the Income Tax Act |
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Free look period |
Policies can be returned within 15 days of purchase, subject to certain conditions |
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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 |
Also Read: How to File a Claim with Star Health?
