About Star Super Surplus Insurance Plan
Star Super Surplus Insurance is a top-up health insurance policy that provides coverage to individuals and their families in case their base policy is exhausted. With the Recharge benefit, this plan provides an additional coverage amount once a year upon exhaustion of the sum insured. Moreover, this health insurance plan comes with attractive benefits like maternity cover, air ambulance charges, e-medical opinion, modern treatments, etc.
Star Super Surplus Insurance Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | ₹5 lakh to ₹1 crore |
| Pre-policy Medical Check-up | Not required |
| Pre-existing Diseases Waiting Period | 1 year, 3 years |
| Discount | 5% long term discount 5% online purchase discount |
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Key Benefits of Star Super Surplus Insurance Plan
Star Super Surplus Insurance Plan Inclusions & Exclusions
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Hospitalization CoverIt pays for room rent, nursing charges, doctor consultations, specialist fees, surgical appliances, etc., if the insured is hospitalized for at least 24 hours.
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Pre-Hospitalization ExpensesIt covers medical expenses incurred up to 60 days before the insured's hospitalization.
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Post-Hospitalization ExpensesIt pays for healthcare expenses incurred up to 90 days immediately after the insured is discharged from the hospital.
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Modern TreatmentsIt pays for 12 modern treatments that require advanced medical procedures like balloon sinuplasty, deep brain stimulation, etc.
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Day Care ProceduresIt covers the cost of day care procedures that require less than 24 hours of hospitalization due to advanced medical technology.
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AYUSH TreatmentIt covers in-patient hospitalization expenses incurred on Ayurveda, Unani, Siddha and Homeopathy treatments.
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Injuries Due to WarIt does not treat diseases or injuries resulting due to war-like events, civil war, etc.
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Intentional Self-harmIt excludes the treatment for injuries caused due to self-inflicted actions, such as suicidal attempts.
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Dental TreatmentIt does not cover the cost of dental treatments or surgeries unless caused by an accident.
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Obesity TreatmentIt does not pay for expenses incurred on procedures for weight loss, such as bariatric surgery, unless advised by the doctor.
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Congenital AnomaliesIt excludes treatment for removing physical abnormalities present from birth.
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Newborn Baby ExpensesIt does not cover the cost incurred for the treatment of the newborn baby.
Star Super Surplus Insurance Plan Waiting Periods
| Categories | Waiting Period |
|---|---|
| Pre-existing Disease Waiting Period | 1 year, 3 years |
| Specified Disease/Procedure Waiting Period | 1 year, 2 years |
| Initial Waiting Period | 30 days |
| Delivery Expenses Waiting Period | 1 year |
In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Policybazaar Claim Process
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Star Super Surplus Insurance Policy: FAQs
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Q1: What is a Star Super Surplus Insurance policy?
Ans: Star Super Surplus Insurance is a top-up insurance policy that offers additional medical coverage to the insured when the base policy expires. It comes with a mandatory deductible that must be paid before filing a claim with the insurer. Moreover, this policy comes with various benefits like the recharge benefit, maternity cover, e-medical opinion, along with the standard coverage of in-patient hospitalization, modern treatments, ambulance expenses, and more. -
Q2: How much does the Star Super Surplus Insurance plan cost?
Ans: To find out the Star Super Surplus Insurance plan price, you can visit the insurer's website to check its premium chart or use an online Star health insurance premium calculator available on Policybazaar.com. -
Q3: What is covered in the Star Super Surplus Insurance Gold plan?
Ans: The Gold variant of the Star Super Surplus Insurance plan provides additional coverage like maternity benefit, road and air ambulance expenses, recharge benefit, wellness benefit, etc.
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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
Star Health offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of Star Health
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to Star Health for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the Star Health policy
- The network hospital will send the hospital bill to Star Health.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Inform the insurance company about the hospitalization
- In case of planned hospitalization, notify the insurer before hospital admission.
- Receive medical treatment
- At the time of discharge, pay the entire hospital bill in full.
- Collect all the medical documents, bills and payment receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
