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The Manager - Customer Care,
Star Health and Allied Insurance Co Ltd,
No.1, New Tank Street, Valluvarkottam High Road,
Nungambakkam,
Chennai - 600 034
Email : support@starhealth.in

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044 6900 6900
For Other Users
(044)- 2831 9100 / 2853 2060 / 2853 2030

Super Surplus Insurance Policy

Surplus protection at affordable pricing

Contact
Please visit the nearest Star Health Insurance branch for premium details

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

Below are the highlights for Gold Plan

Top-up at affordable premium

A Top up policy providing higher sum insured at a very affordable premium.

No pre-acceptance medical screening

No pre-acceptance medical screening required.

Flexible policy basis

This policy can be taken on both Individual and Floater basis.

Maternity cover

Maternity Expenses covered upto specified limits

Air ambulance cover

Air Ambulance facility covered up to 10% of the sum insured

Organ Donor Expenses

Organ Donor Expenses covered

Policy Term

Policy can be taken for 1 year or 2 years

Instalment Options

Instalment facility available

Wellness Program

Wellness services available

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.
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.

Frequently Asked Questions

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.

Our Clients Love Us

Check what other persons are saying about our product. They are very happy with their purchase

I have special recommendation and appreciation for the Star Health team, who took special efforts each time I called up and went out of the way to update me with details, at times, even after his work hours. Status is an important aspect of any claim and they provided that to me.

MILIND K PHATERPEKAR

I am so happy to join Star Health as a Policy Holder. I had given appointment to a representative 10:00 pm tonight. He reached my residence 09:30 pm along with his Asst. Manager. Due to my work load I couldn't give attention to them up to 11:30 pm. I have been excited with the service provided by the Star Health Team

SHUNMUGA VASAN V

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