Star Health Super Surplus Insurance Policy

The Star Super Surplus Insurance policy offers coverage that is much more than the ones that are offered by the basic health insurance plans. This health insurance policy provides an ample amount of financial assistance during a medical emergency. The plan is available on a floater and individual basis and one falling in the age group of 18 to 65 can opt for it.

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Star Health Super Surplus Insurance Policy

All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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    Star Health Super Surplus insurance plan comes in Gold and Silver variants with one – year term and lifelong renewal. Some of the major offerings under this plan are – inpatient hospitalization, day-care procedure, delivery charges, cover for air ambulance, expenses of an organ donor, and so on. The vast coverage of this policy makes it an affordable and complete package for everyone and anyone. It is one of the top-up plans that offer a high sum insured at an affordable premium.


    • Any person falling in the age group of 18 years to 65 years can purchase this plan.
    • Children from the age of 91 days to 25 years can be covered with their parents.
    • Life long renewability and no exit age.


    • It offers maternity cover for up to a specific limit. For c – section the plan offers up to Rs.50, 000.
    • Provides cover for an air ambulance for up to 10% of the Sum Insured for more than Rs.10 lakh.
    • Expenses of organ donors are also covered in the case of organ transplants.
    • Expenses of pre and post hospitalization for 30 and 60 days respectively are offered.
    • It offers cover for all the day-care procedures.
    • The policy covers pre-existing diseases after completion of 36 months.


    • Disease or injury occurred because of warlike actions, civil war, etc.
    • Charges for the treatment of an injury that is caused because of self-inflicted actions such as suicidal attempts.
    • Expenses incurred on procedures for weight loss such as bariatric surgery.
    • The treatment cost of the sexually transmitted disease is also excluded from the coverage.
    • Unconventional, untested, experimental, and unproven treatment costs are as well excluded.

    Features & Benefits:

    • A top-up health insurance policy that offers a high sum insured at an affordable price.
    • There is no need to provide pre-acceptance medical screening.
    • This health insurance plan can be taken for both individual and floater basis.
    • Premium amount paid by any mode other than cash is eligible for tax benefit u/s 80C of the IT Act, 1961.
    • Star Health Super Surplus policy offers a free look period of 15 days from the date of the policy is received. It is not applicable for policy renewals.
    • Offers a hassle-free claim settlement process.
    • Provides free medical consultation from experts over the phone.

    Cancellation Policy:

    The policyholder can cancel this policy by giving written notice of 15 days and in such a case, the Star Health Insurance Company will refund the premium for the unexpired policy period as mentioned below:

    Period On Risk

    Premium Rate To be Retained

    Up to 1 month

    25% of the yearly premium

    More than 1 month to 3 months

    40% of the yearly premium

    More than 3 months to 6 months

    60% of the yearly premium

    More than 6 months to 9 months

    80% of the yearly premium

    Exceeding 9 months

    Full Annual Premium


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    Star Health Super Surplus Insurance Policy Reviews & Ratings

    / 5 (Based on 31 Reviews)
    (Showing Newest 9 reviews)
    Chennai , October 26, 2021
    Great features
    I have got day care hospitalization feature under the mediclaim policy which i have purchased from the policybazaar. It offered me lifelong renewability Cover. It includes tax exemption benefits, cashless hospitalization and many other facilities. overall i like my plan.
    Kolkata , October 26, 2021
    Trustworthy website
    I rarely trust the online purchasing because of the possibility of fraud but Policybazaar has built my trust up. I went through the online process when I was taking care health insurance from here and i found this website trustworthy.
    Surat, October 26, 2021
    Helpful staff
    I rarely trust the online purchasing because of the possibility of fraud but Policybazaar has built my trust up. I went through the online process when I was taking care health insurance from here and i found this website trustworthy.
    Pune, October 26, 2021
    Low cost plan
    Such a simple and easy process to buy a policy was provided to me by Policybazaar. Someone suggested me to check the health plans on Policybazaar website. i went through a lot of plans and i found the right plan here. i bought star health insurance at low cost.
    Jaipur, October 26, 2021
    Good Coverage
    I have bought Bajaj Allianz Health Insurance for my family and by taking a health plan, I have secured my entire family. I have got coverage against medical expenses and buying my policy online has saved my money as I did not have to pay agent fees.
    Lucknow, October 26, 2021
    Affordable plan
    A friend of mine told me about Policybazaar. He said that he has found an affordable health plan deal in Policybazaar. I went to Policybazaar to buy the same plan. I wanted a family health plan so I took Aditya Birla health insurance and it has covered every member of my family.
    Kanpur, October 26, 2021
    Easy to compare
    Last week i went to Policybazaar for taking health plan for my family. An executive explained the policy very well and showed me various plans out of which i chose digit health insurance and it has covered me and my wife.
    Nagpur, October 26, 2021
    Good plan
    I was able to compare the various plans easily on the website of Policybazaar. At first, i was confused about what i should choose as so many options were given there but then i bought sbi general health insurance for my parents. I got really good senior citizen health plan.
    Allahabad, October 26, 2021
    Hassle free experience
    I had an amazing and hassle free experience with policybazaar. Everything has beem very smooth when i was purchasing health insurance from policybazaar. Their team assisted me in well mannered way.
    Download the Policybazaar app
    to manage all your insurance needs.