Looking for extra cover? A super top up health insurance plan would be the right plan
Let us have a look at Star Health Super Surplus Insurance Policy Benefits & Details
Brief about Star Health Super Surplus Insurance Policy
Star Health Super Surplus Insurance policy provides surplus protection at affordable pricing. And offers much larger coverage than the ones offered by basic plans. This is a top-up plan with the sum insured on a floater basis. Broadly, there are two parts, first the star health super surplus individual policy and second the star super surplus family floater health insurance policy. Inside each of the parts, there are two plans namely Gold and Silver Plan available.
To take this policy, you can submit your details. And we will help you to know more about this policy. Providing you with complete easy customized information. About the Star Health Super Surplus brochure, premium chart, and benefits.
How does this work?
When you take this health insurance policy. You define a limit referred to as “Deductible”. This is the amount you are ready to pay by yourself. In case you go for hospitalization treatment. This payment can be done by you either by cash or an existing health insurance policy. We will also provide you information and help you with the star health super surplus proposal form fill up which can be done online.
Let us look at an example
Say, you select the Star Health Super Surplus Silver Plan. And the following are the details of your insurance policy.
- Sum insured – INR 10,00,000/-
- Deductible – INR 3,00,000/-
Now for instance, let us understand what happens in case of a hospitalization scenario
Scenario 1
- Hospitalization cost – INR 2,00,000/-
- Amount payable via Super Surplus Policy – INR 0
Why? Because the deductible base limit was not triggered. As your hospitalization cost is lesser than the deductible amount. So, you end up either paying it via cash or an existing health insurance policy.
Scenario 2
- Hospitalization cost – INR 3,00,000/-
- Amount payable via Super Surplus Policy – INR 0
Why? Because the deductible base limit was not triggered. As your hospitalization cost is equal to the deductible amount. So, you end up either paying it via cash or an existing health insurance policy.
Scenario 3
- Hospitalization cost – INR 8,00,000/-
- Amount payable via Super Surplus Policy – INR 5,00,000/-
Why? Because the deductible base limit was triggered. As your hospitalization cost is greater than the deductible amount. So, you end up either paying INR 3,00,000/- via cash or an existing health insurance policy. And the remainder INR 5,00,000/- is paid via the Star Health Super Surplus Insurance Policy.
What are the highlights of star super surplus insurance policy?
Top up at an affordable premium
A top-up policy providing higher sum insured at a very affordable premium. We will provide you with the star health insurance super surplus premium chart for a better understanding on the premium distribution.
No pre-acceptance medical
No pre-acceptance medical screening required.
Flexible policy basis
This policy can be taken on both individual and floater basis.
Cover for maternity
Expense cover for maternity both normal and Caesarean delivery up to specified limits.
Air ambulance cover
In this facility, the cover provided is up to 10% of the sum insured.
Organ Donor expenses
In this policy, the organ donor expenses are covered.
What are the benefits of Star Super Surplus Insurance Policy?
This policy has two plans – Silver and Gold. Next, let us have a look at both of these plans and their benefits.
Star Super Surplus Silver Plan
Sum insured on an individual basis is made available in this plan. We can also provide you with the star health super surplus individual brochure details.
The following are the sum insured and deductibles option herein.
| Sum Insured INR. | Deductible INR. |
|---|---|
| 10,00,000/- | 3,00,000/- |
| 10,00,000/- | 5,00,000/- |
The deductible applies for each and every claim done.
Room, boarding, nursing expenses as provided. However subject to a maximum of INR 4,000 per day.
Fees like surgeon, anaesthetist, medical practitioner, consultants or specialist included.
Anaesthesia, blood, oxygen and cost of pacemakers. Also in addition to that the operation theatre charges also included.
Pre-hospitalization and Post hospitalization expenses
Pre-hospitalization expenses to a maximum of 30 days. Next, Post- hospitalization expenses to a maximum of 60 days. Following an admissible claim under the policy.
Pre-existing diseases or illness covered after 36 months of continuous insurance. Without break with any non-life Indian Insurance company.
Star Super Surplus Gold Plan
Sum insured on an individual basis is available in this plan. The sum insured and deductibles option as shown below.
| Sum Insured INR. | Deductible INR. |
|---|---|
| 5,00,000/-; 10,00,000/-; 15,00,000/-; 20,00,000/- and 25,00,000/- | 3,00,000/- 5,00,000/- 10,00,000/- |
Once opted, the deductible limit cannot be changed. Either during the current policy or at the time of renewal.
Room(single standard AC room), boarding, nursing expenses as provided.
Fees like surgeon, anaesthetist, medical practitioner, consultants or specialist included.
Anaesthesia, blood, oxygen and cost of pacemakers. Not only surgical appliances, medicines & drugs. But also diagnostic materials, X-ray and operation theatre charges included.
Pre-hospitalization and Post hospitalization expenses
Firstly, Pre-hospitalization expenses to a maximum of 60 days. And Post- hospitalization expenses to a maximum of 90 days. Following an admissible claim under the policy.
Secondly, Pre-existing diseases as defined in the policy. Until 12 consecutive months of continuous coverage have elapsed. Since inception of the first policy with any Indian insurer.
Emergency ambulance charges up to a sum of INR 3,000/- per hospitalization. For transportation of the insured person via private ambulance.
Air ambulance cover: Up to 10% of the sum insured per policy period. Made available based on the policy sum insured.
The insured person gets the facility of obtaining a medical second opinion. From a doctor in the Star Health network of medical practitioners.
Delivery expenses, including delivery by caesarean section (pre-natal, post-natal and lawful medical termination of pregnancy). Up to INR 50,000 per policy period is provided. Maximum of 2 deliveries in the entire lifetime of the insured person paid. Provided the policy is in force.
Organ Donor expenses for organ transplantation. For the insured person being the recipient is payable.
Co-pay of 10% of each and every claim amount. For the insured person whose age at the time of entry is above 60 years.
Recharge Benefit: This is given when the sum insured gets exhausted or exceeded in the policy period. Additional indemnity up to the limits stated in the table below is provided. Once for the remaining policy period.
| Defined Limit INR | Recharge Limit INR |
|---|---|
| 3,00,000/- | 50,000/- |
| 5,00,000/- | 75,000/- |
| 10,00,000/- | 1,00,000/- |
What is the eligibility for this policy?
Persons between 18 years and 65 years of age at the time of entry can take this Insurance. Beyond 65 years, only renewals allowed.
However dependent children are covered from 91 days and up to 25 years of age. Additionally, there is no upper age limit for continuous renewals.
This policy is available both on Individual basis and on floater basis. Proposer plus spouse with 3 economically dependent children. But a maximum of 5 covered under the policy.
General Terms of the policy?
No pre-acceptance medical screening.
At the time of inception of the policy. Insured will get a period of 15 days.
Tax Benefit in Star Super Surplus Insurance
Payment allowed by any mode other than by cash. And is eligible for relief under Section 80D of the Income Tax Act.
Free look period:
From the date of receipt of the policy for a star health super surplus review of the terms and conditions of the policy and to return the policy if not acceptable. Therefore, the premium refund shall be as follows :
If the Insured has not made any claim. So during the free look period, the Insured entitles to –
- a refund of the premium paid less any expenses incurred by the Insurer. And on medical examination of the insured persons and the stamp duty charges or,
- next, where the risk has already commenced. And the option of return of the policy exercised by the policyholder. A deduction towards the proportionate risk premium for period on cover or,
- where only a part of the insurance coverage has commenced such proportionate premium commensurate with the insurance coverage during such period. But free look period shall not be applicable at the time of renewal.
What are the STAR advantages?
Firstly, No third-party administrator, direct in-house claim settlement.
Secondly, Faster & hassle-free claim settlement.
And a network of more than 9900+ hospitals across India.
Need more details? Get in touch with us by entering your details below and we will tell you how you can take this plan.
Started in 2004, we have provided life and health insurance services in Thane and Mumbai. We will help you get insured and secure your lives. With our expertise, we will provide guidance on what to look for when you are about to buy a policy. We insure, protect and empower your lives providing you the right fit for your insurance needs.