Star Health Super Surplus Plan: Enhance Your Insurance Cover

Star Health Super Surplus Plan

Founded in 2006, Star Health and Allied Insurance Co Ltd specializes in overseas medical insurance, and personal accident insurance. To make health insurance a fundamental right for everyone, the company offers a wide range of health insurance products at reasonable costs.

Compared to other basic plans, Star Health Super Surplus provides more coverage. It offers wider protection at a lesser price. The policy is available for both individual policy and family floater policy basis.

Features And Benefits of Super Surplus Plan

Top-up health insurance policy that provides high coverage at an affordable rate.
Medical screenings are not required prior to acceptance.
Both individual and floater health insurance plans are available.
Tax benefits are available under Section 80C of the Income Tax Act, 1961 for premiums paid through any mode other than cash.
You have 15 days to review the Star Health Super Surplus policy after receiving it.
Offers free medical consultations over the phone. Processes claims in a hassle-free manner.

Inclusions Under Star Super Surplus Plan

There is a limit on the amount of maternity coverage offered. The plan covers up to Rs.50,000 for a C-section.
A portion of the Sum Insured for over Rs.10 lakh can be used for an air ambulance.
Transplants also cover the expenses of organ donors.
There is an offer to cover costs associated with pre- and post-hospitalization for 30 and 60 days, respectively.
All daycare procedures are covered by the plan.
After 36 months, pre-existing diseases are covered by the policy.

Exclusions Under Star Super Surplus Plan

Various warlike actions, civil wars, etc., caused disease or injury.
Suicide attempts or other self-inflicted injuries are subject to self-inflicted injury charges.
Weight loss procedures, such as bariatric surgery, are incurred at a cost.
As well, the treatment cost of sexually transmitted diseases is excluded from the coverage.
The costs of unconventional, untested, experimental, and unproven treatments are also excluded.

FAQ

Is the Star Health Super Surplus Policy guaranteed to provide a certain amount of coverage?

There are two parts to the health insurance policy: Silver and Gold. It is available in two variants, with sums insured ranging between Rs.5 lakh and Rs.25 lakh.

In order to purchase Star Health Super Surplus insurance, what are the requirements?

The policy is available to individuals between the ages of 18 and 65.

Can Star Health Super Surplus Insurance policies be renewed for life?

Lifelong renewal is a feature of this insurance policy.

Is organ donation covered by this plan?

This policy covers organ transplants for policyholders who are recipients.

Co-payments are available with the Super Surplus plan, right?

Yes, this policy is available as a Gold variant with a co-payment component. Each claim requires a 10% copay from the policyholder

If you are over 60 years of age and take this plan, you are eligible for a co-pay.This policy covers delivery-related expenses, right?

Yes, c-section delivery costs are covered. Moreover, this policy also covers postnatal and prenatal expenditures, as well as procedures like abortions. It is, however, possible to avail of a maximum of Rs.50, 000 per policy year for delivery-related expenses. Within the lifetime of the policyholder, the policy allows for two deliveries.

Is there a waiting period for pre-existing conditions?

The waiting period for any pre existing diseases or illnesses is 36 months under this health insurance policy.

The day-care procedure is covered by this plan, right? What is the number of them that are covered if yes?

This health insurance policy covers all daycare procedures and treatments.

Please describe the features of this plan related to air ambulances.

For policies with a sum insured of Rs.10 lakh or more, coverage for air ambulances is available up to 10%.

Are there any additional charges associated with this health insurance plan?

Upon exhaustion of the amount of sum insured, a policyholder can utilise the Star Health Super Surplus policy's recharge benefit.

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