You need health cover regardless of what you take two at a time - pills or stairs.
  • Star Super Surplus Insurance Plan

    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: 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 plan over and above deductible
    • 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
    • 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.
      • 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



      Sum insured

      Minimum – Rs 5 lakhs

      Maximum – Rs 25 lakhs


      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


      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


      Normal dental procedures

      War injuries

      Injuries attributed to nuclear activities



      Congenital external ailments

      Mental disorders


      Alcohol/drug induced injuries

      HTLV-III related ailments

      Venereal ailments/diseases

      Find cashless network hospitals nearby: Star Health Network Hospitals

      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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