Star Super Surplus Insurance Policy

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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