Star Health Logo

Super Surplus Insurance Policy

We have the answer to your happy and secure future

*I hereby authorise Star Health Insurance to contact me. It will override my registry on the NCPR.

Super Surplus Insurance Policy IRDAI UIN: SHAHLIP22035V062122
Star Super Surplus (Floater) Insurance Policy UIN: SHAHLIP22034V062122

HIGHLIGHTS

Plan Essentials

essentials

Top-up Policy

This top-up policy can be opted along with the existing policy to avail additional Sum Insured at an affordable premium.
essentials

Flexible Policy

This policy can be opted on an Individual or Floater basis with 7 family size options (i.e. 2A, 2A+1C, 2A+2C, 2A+3C, 1A+1C, 1A+2C, 1A+3C).
essentials

Long-Term Discount

If the policy is opted for a term of 2 years, then 5% discount on premium can be availed.
essentials

Medical Examination

Pre-insurance medical screening is not mandatory to avail this policy.
essentials

Instalment Options

This policy premium can be paid on a quarterly or half-yearly basis.
essentials

Individual Entry Age

Any person aged between 18 and 65 years can avail this policy.
essentials

Floater Entry Age

Any person aged between 18 and 65 years can avail this policy. Dependent children are covered from the 91st day onwards up to 25 years.
DETAILED LIST

Understand what’s included

GENERAL FEATURE

Policy Term

This policy can be availed for a term of one or two years.

Lifelong Renewal

This policy provides a lifelong renewal option.

INDIVIDUAL PLAN (GOLD)

In-Patient Hospitalisation

Hospitalisation expenses incurred for a period of more than 24 hours on account of  illness, injury or accidents are covered.

Pre-Hospitalisation

In addition to in-patient hospitalisation, the medical expenses incurred up to 60 days before the date of admission to the hospital are also covered.

Post-Hospitalisation

Post-hospitalisation medical expenses up to 90 days from the date of discharge from the hospital are covered as per the limits mentioned in the policy clause.

Room Rent

Room (Single Private A/C room), boarding and nursing expenses incurred during in-patient hospitalisation are covered.

Road Ambulance

Ambulance charges including private ambulance incurred for transporting the insured person to the hospital are covered up to Rs. 3000/- per policy period.

Air Ambulance

Air Ambulance expenses are covered up to 10% of the Sum Insured applicable for Sum Insured of Rs. 7 lakhs and above.

Modern Treatment

Modern treatment expenses incurred either as an in-patient hospitalisation or day care treatment are payable to the extent of the sub-limits mentioned in the policy clause.

Delivery Expenses

Delivery expenses including the Caesarean section are covered up to Rs. 50,000/- per delivery to the maximum of two deliveries. This can be availed after a 12 month waiting period.

Organ Donor Expenses

Organ transplantation expenses are payable subject to the availability of the Sum Insured if the insured person is the recipient.

Recharge Benefit

On exhaustion of the Sum Insured for the remaining policy period, an additional indemnity is provided once during the policy period up to the specified limits.

Wellness Services

Wellness programs designed to motivate and encourage the healthy lifestyle of the insured person through various wellness activities.

E-Medical Opinion

E-Medical Opinion facility from the Company’s expert panel is available on the request initiated by the insured person.

Defined Limit

Defined limit means the amount up to which the company will not be liable during the policy period.

INDIVIDUAL PLAN (SILVER)

In-Patient Hospitalisation

Hospitalisation expenses incurred for a period of more than 24 hours on account of  illness, injury or accidents are covered.

Pre-Hospitalisation

In addition to in-patient hospitalisation, the medical expenses incurred up to 30 days before the date of admission to the hospital are also covered.

Post-Hospitalisation

Post-hospitalisation medical expenses up to 60 days from the date of discharge from the hospital are covered as per the limits mentioned in the policy clause.

Room Rent

Room (including single standard A/C room), boarding and nursing expenses incurred during in-patient hospitalisation are covered up to Rs. 4000/- per day.

Modern Treatment

Modern treatment expenses are payable to the extent of the sub-limits mentioned in the policy clause.

Deductible

Deductible means the amount up to which the company will not be liable for each and every hospitalisation.

FLOATER PLAN (GOLD)

In-Patient Hospitalisation

Hospitalisation expenses incurred for a period of more than 24 hours on account of  illness, injury or accidents are covered.

Pre-Hospitalisation

In addition to in-patient hospitalisation, the medical expenses incurred up to 60 days before the date of admission to the hospital are also covered.

Post-Hospitalisation

Post-hospitalisation medical expenses up to 90 days from the date of discharge from the hospital are covered as per the limits mentioned in the policy clause.

Room Rent

Room (including single private A/C room), boarding and nursing expenses incurred during in-patient hospitalisation are covered.

Air Ambulance

Air Ambulance expenses are covered up to 10% of the Sum Insured applicable for Sum Insured of Rs. 10 lakhs and above.

Road Ambulance

Ambulance charges including private ambulance incurred for transporting the insured person to the hospital are covered up to Rs. 3000/- per policy period.

Modern Treatment

Modern treatment expenses are payable to the extent of the sub-limits mentioned in the policy clause.

Delivery Expenses

Delivery expenses including the Caesarean section are covered up to Rs. 50,000/- per delivery to the maximum of two deliveries. This can be availed after a 12 month waiting period.

Organ Donor Expenses

Organ transplantation expenses are payable subject to the availability of the Sum Insured if the insured person is the recipient.

Recharge Benefit

On exhaustion of the Sum Insured for the remaining policy period, an additional indemnity is provided once during the policy period up to the specified limits that can be used even for same hospitalisation.

E-Medical Opinion

E-Medical Opinion facility from the Company’s expert panel is available on the request initiated by the insured person.

Wellness Services

Wellness programs designed to motivate and encourage the healthy lifestyle of the insured person through various wellness activities.

Defined Limit

Defined limit means the amount up to which the company will not be liable during the policy period.

FLOATER PLAN (SILVER)

In-Patient Hospitalisation

Hospitalisation expenses incurred for a period of more than 24 hours on account of  illness, injury or accidents are covered.

Pre-Hospitalisation

In addition to in-patient hospitalisation, the medical expenses incurred up to 30 days before the date of admission to the hospital are also covered.

Post-Hospitalisation

Post-hospitalisation medical expenses up to 60 days from the date of discharge from the hospital are covered as per the limits mentioned in the policy clause.

Room Rent

Room (Single Standard A/C Room), boarding and nursing expenses incurred during in-patient hospitalisation are covered up to Rs. 4000/- per day.

Modern Treatment

Modern treatment expenses are payable to the extent of the sub-limits mentioned in the policy clause.

Deductible

Deductible means the amount up to which the company will not be liable for each and every hospitalisation.
Please refer to the Policy Documents to know the policy details and Terms & Conditions.
STAR HEALTH

Why Choose Star Health Insurance?

As a Health Insurance specialist, we extend our services from offering tailor-made products to fast in-house claim settlements. With our growing network of hospitals, we ensure easy access to fulfill your medical needs.

star-health
Wellness Program
Take part in our wellness programs and earn rewards for staying healthy. Redeem those rewards to avail renewal discounts.
star-health
Talk to Star
Dial 7676 905 905 to avail free consultations with our expert doctors via phone, chat or video call.
star-health
COVID-19 Helpline
Get free COVID-19 consultation with our health experts between 8 AM and 10 PM. Give a call to 7676 905 905.
star-health
Diagnostic Centres
Get access to 1,635 diagnostic centres across India with home pickup of lab samples and health checkup at doorstep.
star-health
E-Pharmacy
Order medicines online at a discounted price. Home delivery and Store pick-ups are available across 2780 cities.
OUR CUSTOMERS

‘Happily Insured!’ with Star Health

We are committed to saving you time, saving you money, and getting rid of the hassles that make health insurance so hard to navigate.

Looking for something else?

GET STARTED
Be Assured of the Best

Get your future secured with us.

Contact Us

Want more information?

Get Insured

Ready to get your policy?

Super Surplus Insurance Policy / Star Super Surplus (Floater) Insurance Policy

 

“Insurance for Health is Wealth” has become a prominent term in our fast-pacing world today. No matter how conscious we are with our mind and body, a health emergency may come knocking at any point in life. You must ensure that you are well-prepared for such circumstances.

 

A health insurance policy helps you to get timely treatment while facing an illness/injury. Even if you have a health insurance policy cover. At times when your medical bills take a huge spike, a sum insured of 5-10 lakhs might not be sufficient. In such cases, a top-up health insurance plan works as a supplement to your regular health insurance cover. This plan adds additional coverage to your existing health insurance policy. In simple words, a top-up health insurance plan offers additional protection after your existing policy has reached the threshold limit.

Top-up Health Insurance Plan

 

The Super Surplus Insurance policy by Star Health is a top-up health insurance plan providing up to one crore sum insured at an affordable premium. It comes with broad protection than that of the other basic plans. The policy is available for age group from three months to 65 years on both an individual and floater basis.

 

The policy is available in options as Gold and Silver plans. The waiting period under this policy is 12 months and 36 months, respectively. The policy terms are of one year/2 years. On the policy purchase, a lifelong renewability option is available.

Features of Super Surplus Health Insurance Policy

 

S.NoSubjectCriteria
1.Eligibility18-65 years
2.Dependent children91 days to 25 years
3.Policy term1 / 2 years
4.Plan optionsSilver / Gold plan
5.The Company will pay in excess of the deductible limit on every claim under Silver planSilverSum insuredDeductible limit
Individual7 lakhs / 10 lakhs3 lakhs
Floater10 in lakhs3 & 5 lakhs
The Company will pay the aggregate of all claims amount in excess of defined limit in the policy year under Gold planGoldSum insuredDefined limit
Individual5 / 10 / 15 / 20 / 25 /50 / 75/ 100 lakhs3 / 5 /10 / 15 / 20 /25 lakhs
Floater
6.Product typeIndividual / Floater
7.Installment facilityQuarterly / Half-yearly
8.Discounts5 percent discount only if the entire two-year premium is paid in advance
9.RenewalsLife-long renewal option
10.Pre-insurance medical screeningNot required

Coverage under Super Surplus Insurance Policy / Star Super Surplus (Floater) Insurance Policy

 

The policy offers extensive coverage for both individual and floater under two plan options namely Gold and Silver.

This benefit is elaborated as follows:

 

Individual Plan (Silver)

 

  1. In-hospitalisation Expenses- Expenses such as room, boarding and nursing expenses are subject to a maximum of Rs. 4000 per day. Other expenses like surgeon’s fee, anaesthetist, medical practitioner, consultants, specialist fee, blood, oxygen, ICU charges, operation theatre charges, medicines and drugs, diagnostic materials and lab tests are also covered.
  2. Pre-hospitalisation Expenses- Expenses incurred up to 30 days before getting hospitalised are covered.
  3. Post-hospitalisation Expenses- Expenses incurred up to 60 days after discharge are covered.
  4. Coverage for Modern Treatments - Modern/Advanced treatments are covered under the policy for the specific illness up to the sub-limit mentioned in the policy clause.

 

Individual Plan (Gold)

 

  1. In-hospitalisation Expenses - Expenses like room (Single Private AC room), boarding and nursing as provided by the hospital are covered. Other expenses like surgeon’s fee, anaesthetist, medical practitioner, consultants, specialist fee, blood, oxygen, ICU charges, operation theatre charges, medicines and drugs, diagnostic materials and lab tests are also covered.
  2. Pre-hospitalisation Expenses - Expenses incurred up to 60 days before getting hospitalised is covered.
  3. Post-hospitalisation Expenses- Expenses incurred up to 90 days after discharge is covered.
  4. Coverage for Modern Treatments - Modern/Advanced treatments are covered under the policy for the specific illness up to the sub-limit mentioned in the policy clause.
  5. Emergency ambulance charges - Emergency ambulance charges up to Rs. Three thousand per policy period for the transportation of the insured to the hospital is applicable.
  6. Air ambulance charges - Air ambulance expenses are covered up to 10 percent of the sum insured per policy period (only applicable for sum insured Rs. 700000 and above).

 

Floater Plan (Silver)

 

  1. In-hospitalisation Expenses - Room, boarding and nursing expenses are subject to a maximum of Rs. 4000 per day. Other expenses like surgeon’s fee, anaesthetist, medical practitioner, consultants, specialist fee, blood, oxygen, ICU charges, operation theatre charges, medicines and drugs, diagnostic materials and lab tests are also covered.
  2. Pre-hospitalisation Expenses- Expenses incurred up to 30 days before getting hospitalised are covered.
  3. Post-hospitalisation Expenses- Expenses incurred up to 60 days after discharge are covered.
  4. Coverage for Modern Treatments - Modern/Advanced treatments are covered under the policy for the specific illness up to the sub-limit mentioned in the policy clause.

 

Floater Plan (Gold)

 

  1. In-hospitalisation Expenses - Expenses like room (Single Private AC room), boarding and nursing as provided by the hospital are covered. Other expenses like surgeon’s fee, anaesthetist, medical practitioner, consultants, specialist fee, blood, oxygen, ICU charges, operation theatre charges, medicines and drugs, diagnostic materials and lab tests are also covered.
  2. Pre-hospitalisation Expenses - Expenses incurred up to 60 days before getting hospitalised is covered.
  3. Post-hospitalisation Expenses- Expenses incurred up to 90 days after discharge is covered.
  4. Coverage for Modern Treatments - Modern/Advanced treatments are covered under the policy for the specific illness up to the sub-limit mentioned in the policy clause.
  5. Emergency ambulance charges - Emergency ambulance charges up to Rs. Three thousand per policy period for the transportation of the insured to the hospital is applicable.
  6. Air ambulance charges - Air ambulance expenses are covered up to 10 percent of the sum insured per policy period (only applicable for sum insured Rs. 1000000 and above).

 

Why should you buy a top-up health insurance plan?

 

Health insurance specialist says the top-up plan is a must to have. For instance, the current pandemic has caused a major financial hardship during hospitalisation. However, buying a top-up plan is much better than exceeding your existing basic health insurance cover at a nominal cost. Top-up health insurance plans are crafted with an idea to provide an additional cover in case your existing policy gets exhausted.

 

What are the inclusions and exclusions of the policy?

 

The Super Surplus insurance policy comes with certain inclusions (covered) and exclusions (not covered). They are as follows:

 

Inclusions

 

  1. The Super Surplus Gold plan offers coverage for maternity up to specified limits.
  2. Provides air ambulance cover for up to 10% of the sum insured for more than Rs. 7 lakhs (individual) and 10 lakh (floater).
  3. Coverage for organ donor expenses.
  4. Coverage for inpatient hospitalisation expenses.
  5. Pre- and post-hospitalisation expenses are also covered.
  6. Cover for all day-care procedures or treatments (under gold plan).
  7. Coverage for pre-existing diseases under the Super Surplus silver plan is 36 months, and specific treatments have 24 months waiting period.
  8. Coverage for pre-existing diseases under the Super Surplus gold plan is 12 months, and specific treatments have 12 months waiting period.

 

Exclusions

 

The following is a partial listing of policy exclusions. A detailed list of all exclusions is included in the policy document.

 

  1. Any ailment/injury caused due to war, civil war, biological war, etc.
  2. Self-intentional injuries like suicide attempts.
  3. Costs of Walkers / Wheelchairs.
  4. Expenses related to treatment for weight loss surgeries.
  5. Cosmetic or plastic surgery expenses unless subjected to an accident.
  6. Expenses related to injuries caused by hazardous sports or adventurous activities.
  7. Expenses related to change of gender treatments and sexually transmitted diseases.

 

What are the add-on benefits of the Super Surplus policy?

 

1. Additional coverage

 

The Super Surplus Insurance policy acts as a top-up plan that offers additional coverage when your basic health plan gets exhausted. The plan comes with a higher sum insured at an affordable premium.

 

2. No pre-insurance medical screening

 

Generally, while purchasing a health insurance policy, a pre-medical examination is requested by the insurer (health insurance company) before the policy is provided to the person. The Super Surplus policy doesn’t require any pre-insurance medical screening.

 

3. Free E-medical consultation

 

The exclusive feature “Talk to Star” offered by Star Health is a free consultation line for customers all over India. You can get in touch with our in-house doctors for a free medical consultation over the phone regarding your health conditions.

 

4. Tax Benefits

 

Under Super Surplus, the premium paid by any mode other than cash is eligible for tax benefit under Section 80D of the Income Tax Act 1961.

 

5. Free-look period

 

The policy offers a free-look period of 15 days from the date of receipt of the policy. However, this feature is not applicable for portability, migration and renewals.

 

6. How to register a claim for the Super Surplus Insurance plan?

 

Star Health offers hassle-free claim settlement for all its customers. There are two ways through which you can file a claim at your convenience.

 

FAQ's

The waiting period for pre-existing diseases under the Super Surplus silver plan is 36 months, and for specific treatments, it is 24 months. The waiting period for pre-existing diseases and specific treatments under the Super Surplus gold plan is 12 months.