Star Super Surplus Health Insurance
About the Star Super Surplus Health Insurance
The Star Surplus Health insurance is a unique policy that offers blanket coverage that extends beyond basic care. The main idea of the policy is to include maximum financial assistance to insurers when they are challenged by unexpected medical emergencies. The policy has two types, Individual and Floater plans, and has an age limit of 18 to 65 years.
The policy has two variants, gold, and silver with a policy tenure of 1 year and a lifelong renewal option. The policy offers comprehensive coverage that includes daycare treatment or procedure, in-patient hospital admission, organ donor expenditures, air ambulance, and other benefits.
The Star Health Super Surplus policy is a cost-effective top-up plan due to the wide coverage and high sum assured at affordable premiums. The policy offers COVID -19 cover to assist the huge expenses imposed by the treatment and recovery of the deadly disease. The policy has a network of over 9900 hospitals and a client base of over 37 lakhs.
The Star health super surplus is an investor-friendly top-up plan that offers additional health coverage without the need for any medical check-up before buying the policy. Children between the age of 91 days and 25 years can also be included in the policy.
- Star Health Top-up plan offers a huge sum assured at nominal rates.
- Premium paid (except by cash) is exempted under section 80C of the Income Tax Act, 1961.
- A 15-day free look period to read and understand the policy.
- Free consultations from medical experts through phone calls.
- An impressive claim settlement ratio of 78.62%.
- Room rent, nursing, and boarding charges are compensated.
- The gold and silver variants of the plan cover surgeon charges, practitioner's fees, and anesthesia charges.
- Organ donor expenditures are compensated.
- Cost of blood transfusion, oxygen supply, and medicines is covered.
- 60 days of the pre-hospitalization charges are compensated.
- Air ambulance charges up to 10% of the Sum insured will be covered under the gold variant.
- Guarantee of lifelong policy renewal and easy claims without any hassles.
Types of Super Surplus Health Insurance
The Star Super policy is available in two types:
- Individual
- Family Floater
Each of the two types has two variants — gold, and silver. Let us now look in detail at the features of the policies:
Individual Star Surplus Plan
The age limit of the policy is between 18 to 65 years. The coverage is provided for a maximum of 4 members (2 adults +2 children). The dependent children included in the policy must be between 91 days to 25 years of age. The range of the insured sum is 7 or 10 lakhs with a policy tenure of 1 year that can be renewed annually. It is not mandatory to undergo a medical test before buying this policy.
1. Silver Variant
- Age limit is 18 to 65 years with the sum insured ranging from INR 7 lakhs to 10 lakhs.
- The limit for deduction is INR 3 lakhs and the term of the policy is 1 year.
2. Gold Variant
- Entry age is between 18 to 65 years.
- The sum insured comes with five slabs ( 5 lakhs, 7 lakhs, 10 lakhs, 15 lakhs,20 lakhs, and 25 lakhs).
- The limit of deduction under this plan can be INR 3 lakhs, 5 lakhs, or 10 lakhs depending upon the policy terms.
- The tenure of the policy is 1 year.
Star Surplus Family Floater Plan
This Star Health Super Surplus floater insurance policy has an age limit of 18 to 65 years. The coverage includes the insurer, spouse, and two children. Children between the age of 3 months and 25 years can be included as dependent in the policy. The insured sum can be either 7 lakhs or 10 lakhs. The policy does not require a pre-policy medical check-up.
1. Silver variant
- The age limit is 18 to 65 years
- The sum insured is INR 10 lakhs, and the deductible limit of the policy can be either 3 lakhs or 5 lakhs
- The term of the policy is 1 year that can be annually renewed.
2. Gold Variant
- The entry age is 18 years, and the maximum age limit is 65 years
- The sum Insured comes with 6 slabs, 5 lakhs,7 lakhs,10 lakhs, 15 lakhs, 20 lakhs, and 25 lakhs.
- The deductible limits of the policy are 3 lakhs,5 lakhs, and 10 lakhs
- The Gold variant also compensates for the expenses of both normal and C-Section methods of childbirth.
The following table gives a clear idea of the key parameters of each policy and its variants. The areas covered and excluded by each of the policies is also mentioned below:
|
Key Parameters |
Star Surplus Individual Policy |
Star Surplus Family Floater Policy |
||
Entry Age |
Silver Variant |
Gold Variant |
Silver Variant |
Gold Variant |
18-65 years |
18-65 years |
18-65 years |
18-65 years |
|
|
Insured Sum |
7 lakhs and 10 lakhs |
5 lakhs, 7 lakhs,10 lakhs, 15 lakhs,20 lakhs, and 25 lakhs. |
10 lakhs |
5 lakhs, 7 lakhs, 10 lakhs, 15 lakhs. 20 lakhs and 25 lakhs, |
|
Deduction limit |
3 lakhs |
3, 5 or 10 lakhs. |
3 or 5 lakhs |
3, 5 or 10 lakhs |
|
Policy Tenure |
1 year |
1 year |
1 year |
1 year |
|
Daycare procedures |
Covered by this plan |
Covered by this plan |
Covered by this plan |
Covered by this plan. |
|
Ambulance for emergency |
Not covered under this plan |
Covered under this plan |
Not covered under this plan |
Covered under this plan |
|
Childbirth expenses |
Not covered under this plan |
Both normal and C-section delivery charges are compensated up to INR 50,000 |
Not covered under this plan |
Both normal and C-section delivery charges are compensated Up to INR 50,000 |
|
Waiting Period |
2 years |
1 year |
2 years |
1 year |
|
Coverage of pre-existing illness |
Covered after completing 36 months without any break in the term |
Covered after completing 12 months without any break in the term. |
Covered after completing 36 months without any break in the term |
Covered after completing 12 months without any break in the term. |
|
Benefits on additional recharge |
Not applicable |
Applicable |
Not applicable |
Applicable |
- Delivery charges for both normal and Cesarean birth are compensated up to INR 50,000.
- All daycare treatments and procedures are compensated.
- Pre-hospitalization charges for 30 days and post-hospitalization charges for 60 days are covered by the policy.
- Air ambulance charges for medical emergencies are covered up to 10% of the sum insured if the sum insured is over 10 Lakhs.
- All expenses of an Organ donor will be compensated for Organ transplantation.
- On completion of 36 months, the policy compensates for the treatment of pre-existing diseases.
- Treatment of diseases or injury afflicted by civil war, nuclear emissions, etc. will not be compensated by the policy.
- Bariatric surgery for weight reduction is not covered.
- Injury inflicted by self (like attempting suicide) will not be covered.
- Treatment of sexually transmitted diseases like HIV, AIDS, and STD will not be compensated.
- Experimental procedures and treatments that are unrecognized, unauthorized, and not proven are exempted from the policy coverage.
- Dental surgery, cosmetic and plastic surgeries are not covered.
- Expenses incurred due to pregnancy, abortion, and miscarriage are not covered by the policy.
- IVF and fertility treatments are exempted.
The Star Health Super Surplus policy has been rated 4.5/5 on Insurance Dekho. The PolicyX has also recorded a 4.5/5 rating based on their user reviews. Over 37,34,365 policies have been sold till date at a claim settlement ratio of 78.62%.
As one of the top health insurance companies in India, Star Health has a widespread customer base that is loyal to the company and its services. Here are some reviews by delighted customers:
Rukhsana — Super surplus is a great top-up plan that I have for a sum insured of Rs. 25 Lakh. The best part about this plan is that it covers me for air ambulance expenses for up to 10% of the sum insured. Apart from this, all daycare procedures and organ donor cover is included.
Alka Sharma — I like star health from since very long as it offers customer friendly policies to the people. It understands the needs of the customers and then fulfil them by offering comprehensive plans. And super surplus is one of them under which Iam covered too. I get many benefits under this.
Manoj — I have always trusted star health for the quality products. The super surplus plan offered by it has many benefits to offer. These include coverage for all daycare procedures, cost of air ambulance, pre and post hospitalisation cover, organ donor expenses, and so on. Also, the premium to buy this plan is not so high.
Kalu — Recently I got ill and was admitted to a hospital near my house. I have a Star health insurance policy and my family was relieved to know that I am eligible for cashless treatment. We just filled a form and the insurance company approved our cashless claim request. Now I have been discharged and we did not have to pay any money for my treatment. Really impressed with the services.
Star Super Surplus Health Insurance FAQs
What are the amounts of sum insured for the two variants of the Star Super Surplus Health Plan?
The Silver variant of the Star Super Surplus has a sum insured amount of INR 5 Lakhs and the sum insured amount for its gold variant is INR 25 Lakhs.
What is the minimum and maximum age limit to buy this policy?
The minimum entry age is 18 years, and the maximum age limit is 65 years. However, the policy can be renewed annually throughout the insurers' life.
Are the expenditures due to organ donation covered under the Star Super Surplus Health Plan?
The compensation is provided for all the expenditures related to organ transplantation if the insurer is receiving the organ.
What is the waiting period and the free-look period of the policy?
There is a waiting period of 36 months for pre-existing diseases and sicknesses. The free-look period of the policy is 15 days for the insurers to understand how the policy works.
Is there any limitation for compensating for the daycare treatments?
No. There is no restriction. All the daycare procedures and treatments are covered under this policy.
Does the Star Super Surplus Health Plan have any co-pay conditions?
There is a co-pay condition in the gold variant of Star Surplus policy for insurers above 60 years of age at the time of entering the policy. Under this condition, 10% co-pay should be paid on every claim that is made.
