Star Super Surplus Insurance Policy

We cannot foresee the upcoming medical emergencies in our life. However, we can be ready for them with a health insurance plan. Star Super Surplus Insurance Policy Cover helps individuals ensure the same by offering larger coverage amounts than a basic health insurance plan. One of the best features of this plan from Star Health is that individuals can choose from two plan options – Silver and Gold.

Want to know more about Star Super Surplus Insurance Policy Cover? On this page, you can know about some of the important aspects of this policy, such as its key features, sum insured options, premium amount, eligibility criteria, etc.

Reasons to Invest in Star Super Surplus Insurance Policy

It is important to invest in your health considering the rising cost of proper treatment in a hospital. But before choosing a health insurance plan, it is equally important to know its key features. That’s why we are showing you the highlights of Star Super Surplus Insurance Policy below. Please check!

1. One of the best features of this health insurance plan from Star Health is that individuals can choose from two plan options — Silver and Gold Plan. Both these options provide multiple sum insured options with which you can have extensive healthcare coverage in case of any medical emergency.
2. Individuals usually ask about pre-acceptance medical screening before choosing any health insurance plan. Well, in the case of the Star Super Surplus Insurance Policy, individuals don’t need to undergo any pre-acceptance medical screening for both silver and gold options.
3. With this policy from Star Health, individuals can enjoy a higher sum insured amount by paying an affordable premium amount via a top-up policy.
4. Individuals who choose the Gold Option can also enjoy air ambulance cover facility up to 10% of the sum insured in a policy year. However, this benefit will only be applicable for sum insured options of INR 7 lakh and above.
5. This policy from Star Health can also cover expenses related to organ donors on choosing the Gold plan option.
6. This policy can help protect your family too as you can choose this policy on a floater basis too. But if you want an individual plan, you can get that too.
7. Star Health also provides a free look period of 15 days within which individuals can look into the terms and conditions of the policy and return it on finding them not up to their expectations.
8. You can renew your plan for your whole life with the guaranteed lifelong renewal facility.
9. On paying the premium by any other mode than cash, individuals can also enjoy tax benefits under Section 80D of the Income Tax Act, 1961.

Sum Insured Options for Star Super Surplus Insurance Policy

One of the most important aspects of any health insurance policy is the sum insured option that you should keep in mind when choosing this plan. As we mentioned earlier, individuals can choose from two options of Silver and Gold in the case of Star Super Surplus Insurance Policy. Sum insured options also change from one option to another that you can look at in the below table. Have a look!

What is the Policy Term for Star Super Surplus Insurance Policy?

Individuals can choose a maximum policy term of 1 year in the case of Star Super Surplus Insurance Policy. It means the policy will take care of your medical treatments for 1 year. However, you can renew it every year.

What will be the Minimum Premium Amount?

The premium amount towards your health insurance plan will depend on the chosen sum insured option and the age of the policyholder. The minimum premium amount stands at INR 920 for individuals who are between 91 days and 35 years, and choosing a sum insured option of INR 5 lakh under the Gold plan option.

What Will the Star Super Surplus Insurance Policy Cover?

With the Star Super Surplus Insurance Policy, individuals can enjoy a wide range of benefits such as hospitalization benefits, daycare treatment coverage, etc. Check below to know more.

1. Hospitalization Cover expenses such as Room Rent, Boarding, Nursing expenses, etc. (maximum of INR 4,000 in Silver Plan, no limit in Gold Plan)
2. Fees of surgeons, consultants, etc.
3. Expenses incurred on Blood, Oxygen, Operation Theatre Charges, ICU Charges, Anesthesia, etc.
4. Cover for pre-hospitalization and post-hospitalization expenses
5. Cover for Modern Treatments
6. Emergency Ambulance Charges up to INR 3,000 in Gold Plan
7. Second Medical Opinion in Gold Plan
8. HIV Diseases Cover under both plan options
9. Delivery expenses up to INR 50,000 per policy period in the case of Gold Plan
10. Organ Donor expenses under the Gold Plan
11. Recharge Benefit for Gold Plan with the options of INR 50,000, INR 75,000 and INR 1 lakh

Eligibility Criteria for Star Super Surplus Insurance Policy Cover

If you want a Star Super Surplus Insurance Policy cover for yourself, there are a few important conditions you should keep in mind. We are showing them below. Please check!

1. An individual should be aged between 18 years and 65 years when choosing this policy
2. Dependent children between 91 days to 25 years can also get coverage under this plan from Star Health along with parents
3. There is no exit age defined for individuals as this policy provides lifelong renewals