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.

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.

Eligibility:

  • 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.

Inclusions:

  • 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.

Exclusions:

  • 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

FAQs

Written By: PolicyBazaar - Updated: 17 December 2020
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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