Star super surplus insurance policy means that type of insurance that offers coverage in case the sum insured of your current medical insurance policy gets exhausted at the time of hospitalization. Basically, this insurance policy provides additional coverage offered by health insurance companies at the time of medical emergency. This insurance policy is also known as an add on policy or backup policy. This policy has lots of additional benefits at the lowest premium. It offers wider protection at a lesser price. The policy is available for both individual and family floater basis.
Highlights of Star Super Surplus Insurance Policy
A top-up policy provides a higher sum insured at an affordable premium
There is no need of a pre-policy medical check-up before buying the policy
The policy can be taken on individual and family floater basis
The policy offers two plans: Silver and Gold
Lifelong renewals
All day care procedures are covered
Tax benefits on the premium paid as per the prevailing income tax rules
Star Super Surplus (Silver and Gold)
About of the policy
This is a top-up policy with floater sum insured having Sliver & Gold Plan options
Entry Age
18 years to 65 years
Entry Age of – Dependent Children
91days – 25 years
Policy Type
Individual and Family Floater
Family Size
1A, 2A, 2A+1C, 2A+2C, 2A+3C, 1A+1C, 1A+2C, 1A+3C
Policy Period
1 Year
Renewal Guarantee
Life Long
Pre Policy Medical Check up
Not Required
Renewal Grace Period
30 days
Features of Star Super Surplus Insurance Policy:
Plan Name
Silver Plan
Gold Plan
Features
Sum Insured (Rs. In Lakhs)
10 L
5L / 10L / 15L / 20L / 25L
Deductible & Defined Limits (Rs. In Lakhs)
3L / 5L
(Deductible)
3L / 5L / 10L
(Defined limit)
Key Difference between Silver Plan & Gold Plan
Payable when covered medical expenses exceed the deductible for every hospitalization
Payable when the aggregate of covered medical expenses exceed the defined limit in a policy year
Coverage
Silver Plan
Gold Plan
Basic Covers
In-patient Hospitalization
Room Rent – Up to Rs.4,000/- per day
Room – Single Standard AC Room
ICU Charges, Doctor Fees, Diagnostic Tests, Drugs & Medicines
Covered up to Sum Insured
Covered up to Sum Insured
Day Care Procedures
All day care procedures are covered
All day care procedures are covered
Pre-Hospitalization
30 days
60 Days
Post-Hospitalization
60 days
90 Days
Road Ambulance
Not available
Rs.3,000/- Per hospitalization
Air Ambulance
Not available
Covered up to 10% of Sum Insured (available for SI of Rs.10 Lakh and above)
Organ Donor Expenses
Not available
Covered up to Sum Insured
Additional Covers
Recharge
Not available
Defined Limit (in Rs.)
Recharge Limit (in Rs.)
3 lakhs
50,000/-
5 lakhs
75,000/-
10 lakhs
1,00,000/-
Option for Migration
Not available
Available after 5 continuous policy years
Medical Second Opinion
Not available
Available:- e_medicalopinion@starhealth.in
Delivery Expenses
Not available
Covered up to Rs.50,000/- per policy year
(waiting period 1 year)
Waiting Period
Initial waiting period (not applicable for Accidents)
30 days
30 days
For Specific diseases
24 months
12 months
For Pre-existing diseases
36 months
12 months
Benefits of Star Super Surplus Insurance Policy:
Maternity
Tax benefits
Recharge
Life long renewal
Pre policy medical check-up is not required
12 months wating period for pre-existing disease
Terms & Conditions:
1. CO-PAYMENT
This plan has age-based co-pay equal to 10% co-payment applicable for Gold Plan if the insured age at entry is above 60 years (if they purchase the policy after 60 years).
2. Waiting Period
Waiting period of 30 day, 12 months.
Permanent Exclusions:
Attempted suicide
Use of alcohol or drug
AIDS
Congenital disease
Dental
Cosmetic
Infertility and in vitro fertilization.
Documents for Star Super Surplus Insurance Policy:
Filled in a Proposal form
Pass Port Size Colour Photo
Age proof of each family member
Address proof
Bank Details of Proposer
Claims Procedure in Star Super Surplus Insurance Policy:
Call the 24-hour help-line for assistance – 1800 425 2255 / 1800 102 4477
In case of planned hospitalization, inform 24 hours prior to admission in the hospital.
In case of emergency hospitalization information to be given within 24 hours after hospitalization.
Cashless facility wherever possible in network hospital
In non-network hospitals payment must be made up-front and then reimbursement will be affected on submission of documents.
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