Super Surplus Insurance Policy
Super Surplus Insurance Policy IRDAI UIN: SHAHLIP22035V062122
Star Super Surplus (Floater) Insurance Policy UIN: SHAHLIP22034V062122
HIGHLIGHTS
Plan Essentials
Top-up Policy
Flexible Policy
Long-Term Discount
Medical Examination
Instalment Options
Individual Entry Age
Floater Entry Age
DETAILED LIST
Understand what’s included
GENERAL FEATURE
Policy TermThis policy can be availed for a term of one or two years. |
Lifelong RenewalThis policy provides a lifelong renewal option. |
INDIVIDUAL PLAN (GOLD)
In-Patient HospitalisationHospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered. |
Pre-HospitalisationIn 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-HospitalisationPost-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 RentRoom (Single Private A/C room), boarding and nursing expenses incurred during in-patient hospitalisation are covered. |
Road AmbulanceAmbulance charges including private ambulance incurred for transporting the insured person to the hospital are covered up to Rs. 3000/- per policy period. |
Air AmbulanceAir Ambulance expenses are covered up to 10% of the Sum Insured applicable for Sum Insured of Rs. 7 lakhs and above. |
Modern TreatmentModern 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 ExpensesDelivery 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 ExpensesOrgan transplantation expenses are payable subject to the availability of the Sum Insured if the insured person is the recipient. |
Recharge BenefitOn 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 ServicesWellness programs designed to motivate and encourage the healthy lifestyle of the insured person through various wellness activities. |
E-Medical OpinionE-Medical Opinion facility from the Company’s expert panel is available on the request initiated by the insured person. |
Defined LimitDefined limit means the amount up to which the company will not be liable during the policy period. |
INDIVIDUAL PLAN (SILVER)
In-Patient HospitalisationHospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered. |
Pre-HospitalisationIn 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-HospitalisationPost-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 RentRoom (including single standard A/C room), boarding and nursing expenses incurred during in-patient hospitalisation are covered up to Rs. 4000/- per day. |
Modern TreatmentModern treatment expenses are payable to the extent of the sub-limits mentioned in the policy clause. |
DeductibleDeductible means the amount up to which the company will not be liable for each and every hospitalisation. |
FLOATER PLAN (GOLD)
In-Patient HospitalisationHospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered. |
Pre-HospitalisationIn 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-HospitalisationPost-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 RentRoom (including single private A/C room), boarding and nursing expenses incurred during in-patient hospitalisation are covered. |
Air AmbulanceAir Ambulance expenses are covered up to 10% of the Sum Insured applicable for Sum Insured of Rs. 10 lakhs and above. |
Road AmbulanceAmbulance charges including private ambulance incurred for transporting the insured person to the hospital are covered up to Rs. 3000/- per policy period. |
Modern TreatmentModern treatment expenses are payable to the extent of the sub-limits mentioned in the policy clause. |
Delivery ExpensesDelivery 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 ExpensesOrgan transplantation expenses are payable subject to the availability of the Sum Insured if the insured person is the recipient. |
Recharge BenefitOn 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 OpinionE-Medical Opinion facility from the Company’s expert panel is available on the request initiated by the insured person. |
Wellness ServicesWellness programs designed to motivate and encourage the healthy lifestyle of the insured person through various wellness activities. |
Defined LimitDefined limit means the amount up to which the company will not be liable during the policy period. |
FLOATER PLAN (SILVER)
In-Patient HospitalisationHospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered. |
Pre-HospitalisationIn 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-HospitalisationPost-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 RentRoom (Single Standard A/C Room), boarding and nursing expenses incurred during in-patient hospitalisation are covered up to Rs. 4000/- per day. |
Modern TreatmentModern treatment expenses are payable to the extent of the sub-limits mentioned in the policy clause. |
DeductibleDeductible means the amount up to which the company will not be liable for each and every hospitalisation. |
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.
Wellness Program
Talk to Star
COVID-19 Helpline
Diagnostic Centres
E-Pharmacy
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My friend told me to buy health insurance from Star Health Insurance. That helped me during my son’s illness. Their cashless treatment facility was very helpful at the time. I truly appreciate their service and support.
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Be Assured of the Best
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.No | Subject | Criteria | ||
|---|---|---|---|---|
| 1. | Eligibility | 18-65 years | ||
| 2. | Dependent children | 91 days to 25 years | ||
| 3. | Policy term | 1 / 2 years | ||
| 4. | Plan options | Silver / Gold plan | ||
| 5. | The Company will pay in excess of the deductible limit on every claim under Silver plan | Silver | Sum insured | Deductible limit |
| Individual | 7 lakhs / 10 lakhs | 3 lakhs | ||
| Floater | 10 in lakhs | 3 & 5 lakhs | ||
| The Company will pay the aggregate of all claims amount in excess of defined limit in the policy year under Gold plan | Gold | Sum insured | Defined limit | |
| Individual | 5 / 10 / 15 / 20 / 25 /50 / 75/ 100 lakhs | 3 / 5 /10 / 15 / 20 /25 lakhs | ||
| Floater | ||||
| 6. | Product type | Individual / Floater | ||
| 7. | Installment facility | Quarterly / Half-yearly | ||
| 8. | Discounts | 5 percent discount only if the entire two-year premium is paid in advance | ||
| 9. | Renewals | Life-long renewal option | ||
| 10. | Pre-insurance medical screening | Not 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)
- 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.
- Pre-hospitalisation Expenses- Expenses incurred up to 30 days before getting hospitalised are covered.
- Post-hospitalisation Expenses- Expenses incurred up to 60 days after discharge are covered.
- 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)
- 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.
- Pre-hospitalisation Expenses - Expenses incurred up to 60 days before getting hospitalised is covered.
- Post-hospitalisation Expenses- Expenses incurred up to 90 days after discharge is covered.
- 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.
- 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.
- 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)
- 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.
- Pre-hospitalisation Expenses- Expenses incurred up to 30 days before getting hospitalised are covered.
- Post-hospitalisation Expenses- Expenses incurred up to 60 days after discharge are covered.
- 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)
- 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.
- Pre-hospitalisation Expenses - Expenses incurred up to 60 days before getting hospitalised is covered.
- Post-hospitalisation Expenses- Expenses incurred up to 90 days after discharge is covered.
- 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.
- 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.
- 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
- The Super Surplus Gold plan offers coverage for maternity up to specified limits.
- Provides air ambulance cover for up to 10% of the sum insured for more than Rs. 7 lakhs (individual) and 10 lakh (floater).
- Coverage for organ donor expenses.
- Coverage for inpatient hospitalisation expenses.
- Pre- and post-hospitalisation expenses are also covered.
- Cover for all day-care procedures or treatments (under gold plan).
- Coverage for pre-existing diseases under the Super Surplus silver plan is 36 months, and specific treatments have 24 months waiting period.
- 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.
- Any ailment/injury caused due to war, civil war, biological war, etc.
- Self-intentional injuries like suicide attempts.
- Costs of Walkers / Wheelchairs.
- Expenses related to treatment for weight loss surgeries.
- Cosmetic or plastic surgery expenses unless subjected to an accident.
- Expenses related to injuries caused by hazardous sports or adventurous activities.
- 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
What is the waiting period for the Super Surplus policy?
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.
