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Super Surplus Insurance Policy

  •  A Top up policy providing higher sum insured at a very affordable premium.
  •  Pre-existing diseases covered after 36-months waiting period.
  •  No pre-acceptance medical screening required.
  •  This policy can be taken on Individual Basis and also on Floater basis.
  •  The policy offers two plans: Silver Plan and Gold Plan

Super Surplus Insurance Policy Unique Identification No IRDAI/HLT/SHAI/P-H/V.II/170/2016-17

Star Super Surplus (Floater) Insurance Policy - Unique Id IRDAI/HLT/SHAI/P-H/V.II/164/2016-17

Recharge Benefit

Super Surplus Insurance Policy (Unique Id : IRDAI/HLT/SHAI/PH/V.II/170/2016-17) (Individual Basis)
Silver Plan
Gold Plan
  • Sum Insured on Individual Basis
  • In-Patient Hospitalization Expenses: Room, Boarding and Nursing expenses subject to a maximum of Rs.4,000/- per day.
  • Surgeon’s fees, Consultant’s fees, Anesthetist’s and Specialist’s fees.
  • Anaesthesia, Blood, Oxygen, and Operation Theatre charges, Cost of Pacemakers.
  • Pre and Post Hospitalization – 30 days and 60days.
  • Pre-Existing Diseases / Illness: Covered after 36 months of continuous Insurance without break with any Non-Life Indian Insurance Company.
  • Deductible applied for each and every claim.
  • Sum Insured on Individual Basis
  • In-Patient Hospitalization Expenses : Room (Single Standard A/C Room), Boarding and Nursing expenses.
  • Surgeon’s fees, Consultant’s fees, Anesthetist’s and Specialist’s fees.
  • Anaesthesia, Blood, Oxygen, and Operation Theatre charges, Cost of Pacemakers.
  • Pre and Post Hospitalization – 30 days and 60days
  • Pre-Existing Diseases / Illness: Covered after 36 months of continuous Insurance without break with any Non Life Indian Insurance Company
  • When the aggregate of the previous hospitalization during that policy period exceeds a specified limit, the liability of the Company begins. In other words, the deductible is not applied for each and every hospitalization
  • The insured has the option to migrate to any other indemnity based health insurance policy of the Company after the completion of 5 years of continuous renewal of this policy without break or after completion of 60 years of age whichever is later and in such an event the defined limit would become zero. If the insured chooses to continue in this policy, the defined limit would continue to apply.
  • Emergency ambulance charges for transporting the insured patient to the hospital up to Rs.1,500/- per policy period
  • Air Ambulance cover: Up to 10% of the sum insured per policy period for Sum Insured of Rs.7 lacs and above.
  • Facility of obtaining Medical Second opinion
  • Copay of 10% of each and every where the age at entry is above 60 years
Star Super Surplus (Floater ) Insurance Policy (Unique Id : IRDAI/HLT/SHAI/PH/V.II/164/2016-17) (Family Floater Basis)
Silver Plan
Gold Plan
  • Sum Insured on Floater Basis
  • In-Patient Hospitalization Expenses : Room, Boarding and Nursing expenses subject to a maximum of Rs.4,000/- per day.
  • Surgeon’s fees, Consultant’s fees, Anesthetist’s and Specialist’s fees.
  • Anaesthesia, Blood, Oxygen, and Operation Theatre charges, Cost of Pacemakers.
  • Pre and Post Hospitalization – 30 days and 60days.
  • Pre-Existing Diseases / Illness: Covered after 36 months of continuous Insurance without break with any Non-Life Indian Insurance Company.
  • Deductible applied for each and every claim.
  • Sum Insured on Floater Basis
  • In-Patient Hospitalization Expenses : Room (Single Standard A/C Room), Boarding and Nursing expenses.
  • Surgeon’s fees, Consultant’s fees, Anesthetist’s and Specialist’s fees.
  • Anaesthesia, Blood, Oxygen, and Operation Theatre charges, Cost of Pacemakers.
  • Pre and Post Hospitalization – 30 days and 60days.
  • Pre-Existing Diseases / Illness: Covered after 36 months of continuous Insurance without break with any Non-Life Indian Insurance Company.
  • When the aggregate of the previous hospitalization during that policy period exceeds a specified limit, the liability of the Company begins. In other words, the deductible is not applied for each and every hospitalization.
  • The insured has the option to migrate to any other indemnity based health insurance policy of the Company after the completion of 5 years of continuous renewal of this policy without break or after completion of 60 years of age whichever is later and in such an event the defined limit would become zero. If the insured chooses to continue in this policy, the defined limit would continue to apply.
  • Emergency ambulance charges for transporting the insured patient to the hospital up to Rs.1,500/- per policy period.
  • Air Ambulance cover: Up to 10% of the sum insured per policy period for Sum Insured of Rs.7 lacs and above.
  • Facility of obtaining Medical Second opinion
  • Copay of 10% of each and every where the age at entry is above 60 years

Eligibility

Applicable for Both the Plans and Both Individual and Floater Basis.

  • Any person aged between 18 years and 65 years can take this insurance.
  • Children can be covered from 3 months to 25 years. Children can be covered only along with parents.
  • No exit age, Life Long renewals.

General Terms

Applicable for Both the Plans and Both Individual and Floater Basis  

  • No pre-acceptance medical screening.
  • Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.
  • A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions (Not Applicable for Renewals).

Star Advantage

  •  No Third Party Administrator – direct in-house claims settlement
  •  Faster and hassle-free claim settlement
  •  Cashless hospitalization
  •  Network of more than  8200+ hospitals across India
  •  Facility for maintaining personal health records in electronic format

NOTE: The benefits mentioned herein are only an outline of the policy. For details please contact your nearest Star Health Office or call toll free no 1800 425 2255/1800 102 4477.

Premium Chart

Super Surplus Insurance Policy Unique Identification No IRDAI/HLT/SHAI/P-H/V.II/170/2016-17
SILVER PLAN
Premium Rs. (Excluding Tax)
Sum Insured Rs. 700000 1000000
Deductible Rs. 300000
Premium Rs. 3000 4000
SILVER PLAN
Premium Rs. (Including Tax @ 18%)
Sum Insured Rs. 700000 1000000
Deductible Rs. 300000
Premium Rs. 3540 4720
Gold Plan
Sum Insured Rs. 500000 700000 1000000
Age in yrs / Deductible Rs. 300000
3m-35 1,950 2,150 2,350
36-45 2,500 2,800 3,100
46-50 4,150 4,650 5,100
51-55 5,650 6,300 6,950
56-60 6,800 7,550 8,350
61-65 9,150 10,200 11,250
66-70 11,600 12,950 14,300
71-75 14,500 16,150 17,800
76-80 17,350 19,350 21,350
Above 80 20,850 23,250 25,650
Gold Plan
Sum Insured Rs. 500000 700000 1000000
Age in yrs / Deductible Rs. 300000
3m-35 2301 2537 2773
36-45 2950 3304 3658
46-50 4897 5487 6018
51-55 6667 7434 8201
56-60 8024 8909 9853
61-65 10797 12036 13275
66-70 13688 15281 16874
71-75 17110 19057 21004
76-80 20473 22833 25193
Above 80 24603 27435 30267
Sum Insured Rs. 500000 1000000 1500000
Age in yrs / Deductible Rs. 500000
3m-35 1,300 2,250 2,800
36-45 1,700 2,900 3,650
46-50 2,850 4,850 6,100
51-55 3,850 6,550 8,250
56-60 4,650 7,850 9,900
61-65 6,250 10,650 13,350
66-70 7,950 13,500 16,950
71-75 9,900 16,850 21,150
76-80 11,850 20,200 25,350
Above 80 14,200 24,200 30,450
Sum Insured Rs. 500000 1000000 1500000
Age in yrs / Deductible Rs. 500000
3m-35 1534 2655 3304
36-45 2006 3422 4307
46-50 3363 5723 7198
51-55 4543 7729 9735
56-60 5487 9263 11682
61-65 7375 12567 15753
66-70 9381 15930 20001
71-75 11682 19883 24957
76-80 13983 23836 29913
Above 80 16756 28556 35931
Sum Insured Rs. 500000 1000000 1500000 2000000 2500000
Age in yrs / Deductible Rs. 1000000
3m-35 800 1,200 1,600 1,950 2,100
36-45 1,050 1,550 2,100 2,500 2,750
46-50 1,750 2,550 3,500 4,150 4,550
51-55 2,400 3,500 4,750 5,650 6,150
56-60 2,850 4,200 5,700 6,800 7,400
61-65 3,850 5,650 7,700 9,150 10,000
66-70 4,900 7,150 9,750 11,600 12,700
71-75 6,100 8,900 12,150 14,500 15,800
76-80 7,300 10,700 14,600 17,350 18,950
Above 80 8,750 12,850 17,500 20,850 22,750
Sum Insured Rs. 500000 1000000 1500000 2000000 2500000
Age in yrs / Deductible Rs. 1000000
3m-35 944 1416 1888 2301 2478
36-45 1239 1829 2478 2950 3245
46-50 2065 3009 4130 4897 5369
51-55 2832 4130 5605 6667 7257
56-60 3363 4956 6726 8024 8732
61-65 4543 6667 9086 10797 11800
66-70 5782 8437 11505 13688 14986
71-75 7198 10502 14337 17110 18644
76-80 8614 12626 17228 20473 22361
Above 80 10325 15163 20650 24603 26845
Star Super Surplus (Floater) Insurance Policy - Unique Id IRDAI/HLT/SHAI/P-H/V.II/164/2016-17
Premium Excluding Tax
SILVER PLAN
Family Size
(Up to 2A + 2C)
Sum Insured Rs. 1000000 1000000
Deductible Rs. 300000 500000
Premium Rs. 5700 4300
Premium Including Tax @ 18%
SILVER PLAN
Family Size
(Up to 2A + 2C)
Sum Insured Rs. 1000000 1000000
Deductible Rs. 300000 500000
Premium Rs. 6726 5074
GOLD PLAN
Premium Excluding Tax
Sum Insured Rs. 500000 1000000 1500000 500000 1000000 1500000 2000000 2500000
Age in Yrs Deductible / Family Size 500000 1000000
3m to 35 2A 2100 3550 4500 1300 1900 2600 3050 3350
36-45 2750 4650 5850 1700 2450 3350 4000 4350
46-50 4550 7750 9700 2800 4100 5600 6650 7250
51-55 6150 10500 13200 3800 5550 7600 9000 9850
56-60 7400 12600 15800 4550 6650 9100 10850 11800
61-65 10000 17000 21350 6150 9000 12300 14650 15950
66-70 12700 21600 27150 7800 11450 15600 18600 20250
71-75 15800 26900 33800 9750 14250 19450 23150 25250
76-80 18950 32300 40600 11650 17100 23300 27750 30300
Above 80 22750 38750 48700 14000 20500 27950 33300 36350
3m to 35 2A+1C 2600 4400 5550 1600 2350 3200 3800 4150
36-45 3150 5400 6750 1950 2850 3900 4650 5050
46-50 4900 8300 10450 3000 4400 6000 7150 7800
51-55 6650 11300 14200 4100 6000 8150 9700 10600
56-60 7950 13550 17000 4900 7200 9800 11650 12700
61-65 10750 18300 23000 6600 9700 13200 15750 17150
66-70 13650 23250 29200 8400 12300 16800 20000 21800
71-75 17000 28950 36400 10450 15350 20900 24900 27150
76-80 20400 34750 43650 12550 18400 25100 29900 32600
Above 80 24450 41700 52400 15050 22100 30100 35850 39100
GOLD PLAN
Premium Including Tax @ 18%
Sum Insured Rs. 500000 1000000 1500000 500000 1000000 1500000 2000000 2500000
Age in Yrs Deductible / Family Size 500000 1000000
3m to 35 2A 2478 4189 5310 1534 2242 3068 3599 3953
36-45 3245 5487 6903 2006 2891 3953 4720 5133
46-50 5369 9145 11446 3304 4838 6608 7847 8555
51-55 7257 12390 15576 4484 6549 8968 10620 11623
56-60 8732 14868 18644 5369 7847 10738 12803 13924
61-65 11800 20060 25193 7257 10620 14514 17287 18821
66-70 14986 25488 32037 9204 13511 18408 21948 23895
71-75 18644 31742 39884 11505 16815 22951 27317 29795
76-80 22361 38114 47908 13747 20178 27494 32745 35754
Above 80 26845 45725 57466 16520 24190 32981 39294 42893
3m to 35 2A+1C 3068 5192 6549 1888 2773 3776 4484 4897
36-45 3717 6372 7965 2301 3363 4602 5487 5959
46-50 5782 9794 12331 3540 5192 7080 8437 9204
51-55 7847 13334 16756 4838 7080 9617 11446 12508
56-60 9381 15989 20060 5782 8496 11564 13747 14986
61-65 12685 21594 27140 7788 11446 15576 18585 20237
66-70 16107 27435 34456 9912 14514 19824 23600 25724
71-75 20060 34161 42952 12331 18113 24662 29382 32037
76-80 24072 41005 51507 14809 21712 29618 35282 38468
Above 80 28851 49206 61832 17759 26078 35518 42303 46138
Premium Rs. (Excluding Tax)
GOLD PLAN
Sum Insured Rs. 500000 1000000 1500000 500000 1000000 1500000 2000000 2500000
Age in Yrs Deductible / Family Size 500000 1000000
3m to 35 2A+2C 3300 5650 7100 2050 3000 4100 4850 5300
36-45 3750 6350 8000 2300 3400 4600 5500 6000
46-50 5650 9650 12100 3500 5100 6950 8300 9050
51-55 7700 13050 16450 4750 6950 9450 11250 12250
56-60 9200 15700 19700 5700 8300 11350 13500 14700
61-65 11500 19550 24600 7100 10350 14150 16850 18350
66-70 14600 24850 31250 9000 13150 17950 21400 23300
71-75 18150 30950 38900 11200 16400 22350 26650 29050
76-80 21800 37150 46700 13400 19650 26800 31950 34850
Above 80 26150 44550 56050 16100 23600 32200 38350 41800
3m to 35 1A+1C 1800 3000 3800 1100 1600 2200 2600 2850
36-45 2150 3650 4550 1350 1950 2650 3150 3400
46-50 3600 6100 7700 2200 3250 4400 5250 5750
51-55 4800 8150 10250 2950 4350 5900 7000 7650
56-60 6050 10350 13000 3750 5500 7450 8900 9700
61-65 9000 15300 19250 5550 8100 11050 13150 14350
66-70 11400 19450 24450 7050 10300 14050 16750 18250
71-75 14200 24200 30450 8750 12850 17500 20850 22750
76-80 17050 29050 36550 10500 15400 21000 25000 27250
Above 80 20450 34850 43800 12600 18450 25150 30000 32700
3m to 35 1A+2C 2350 3950 5000 1450 2100 2850 3400 3750
36-45 2750 4700 5850 1700 2500 3400 4050 4400
46-50 4100 7000 8800 2550 3700 5050 6050 6550
51-55 5600 9550 12000 3450 5050 6900 8250 9000
56-60 7150 12200 15300 4400 6450 8800 10500 11450
61-65 9650 16450 20700 5950 8750 11900 14150 15450
66-70 12300 20900 26300 7550 11100 15100 18000 19650
71-75 15300 26050 32750 9400 13800 18800 22400 24450
76-80 18350 31250 39300 11300 16550 22600 26900 29350
Above 80 22000 37500 47150 13550 19850 27100 32300 35200
Premium Including Tax @18%
GOLD PLAN
Sum Insured Rs. 500000 1000000 1500000 500000 1000000 1500000 2000000 2500000
Age in Yrs Deductible / Family Size 500000 1000000
3m to 35 2A+2C 3894 6667 8378 2419 3540 4838 5723 6254
36-45 4425 7493 9440 2714 4012 5428 6490 7080
46-50 6667 11387 14278 4130 6018 8201 9794 10679
51-55 9086 15399 19411 5605 8201 11151 13275 14455
56-60 10856 18526 23246 6726 9794 13393 15930 17346
61-65 13570 23069 29028 8378 12213 16697 19883 21653
66-70 17228 29323 36875 10620 15517 21181 25252 27494
71-75 21417 36521 45902 13216 19352 26373 31447 34279
76-80 25724 43837 55106 15812 23187 31624 37701 41123
Above 80 30857 52569 66139 18998 27848 37996 45253 49324
3m to 35 1A+1C 2124 3540 4484 1298 1888 2596 3068 3363
36-45 2537 4307 5369 1593 2301 3127 3717 4012
46-50 4248 7198 9086 2596 3835 5192 6195 6785
51-55 5664 9617 12095 3481 5133 6962 8260 9027
56-60 7139 12213 15340 4425 6490 8791 10502 11446
61-65 10620 18054 22715 6549 9558 13039 15517 16933
66-70 13452 22951 28851 8319 12154 16579 19765 21535
71-75 16756 28556 35931 10325 15163 20650 24603 26845
76-80 20119 34279 43129 12390 18172 24780 29500 32155
Above 80 24131 41123 51684 14868 21771 29677 35400 38586
3m to 35 1A+2C 2773 4661 5900 1711 2478 3363 4012 4425
36-45 3245 5546 6903 2006 2950 4012 4779 5192
46-50 4838 8260 10384 3009 4366 5959 7139 7729
51-55 6608 11269 14160 4071 5959 8142 9735 10620
56-60 8437 14396 18054 5192 7611 10384 12390 13511
61-65 11387 19411 24426 7021 10325 14042 16697 18231
66-70 14514 24662 31034 8909 13098 17818 21240 23187
71-75 18054 30739 38645 11092 16284 22184 26432 28851
76-80 21653 36875 46374 13334 19529 26668 31742 34633
Above 80 25960 44250 55637 15989 23423 31978 38114 41536
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