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: 18 years, Maximum age: 65 years (Children can be covered from 91 days to 25 years along with parents.) |
| Maximum policy renewal age | Life Long /td> |
| Policy term | 1 year |
| Type of plan |
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| 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 |
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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:
Star Super Surplus Gold Plan is a specialized product which offers additional protection ensuring that you are prepared to tackle any eventuality. The policy is available as an individual and floater plan and caters to the specialized needs. The primary advantage of the Gold Plan lies in its attention to detail as it provides facilities like air-ambulance, high cover, lifelong renewal and no pre-insurance medical check-ups.
Features and Benefits of Star Super Surplus Gold Plan:
| Entry age | Minimum – 18 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: Best Health Insurance Plans
Also Read: How to File a Claim with Star Health?
Other Health Insurance Plans from Star Health Insurance:
- Star Care Health Insurance Plan
- Star Comprehensive Insurance Policy
- Star Family Health Optima
- Star Medi Classic Insurance Policy
- Star Senior Citizen's Red Carpet
- Star Health Gain
- Star Criticare Plus
- Star Cardiac Care
- Star Unique Health Insurance Policy
- Star Wedding Gift Insurance
- Star Diabetes Safe Insurance Policy
- Star Family Delite Insurance Policy
- Star Health Insurance Netplus
- Star Micro Health Insurance Policy
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.
