Star Health Insurance Top up Plans Online in India

Star Health Insurance Top Up Plan

When traditional health insurance only offers basic coverage to the insured, a top up policy comes in handy when the basic policy cover exhausts. One such policy that comes with amazing benefits is Star Health Insurance Top Up Plan.

Called as Star Super Surplus, this plan offers higher additional Sum Insured with affordable premiums for top-up plans above the regular health plan. No pre-medical screening is required.

Star Health Insurance Top Up Plan: Key Highlights

Features	Super Surplus-(Individual)-Gold Plan	Super Surplus-(Individual)-Silver Plan	Super Surplus(Floater)-Gold Plan	Super Surplus(Floater)-Silver Plan
Sum Insured	Rs 5 /7/10/15/20/25/50/75/100 lakh, in two categories	Rs 7 lakh, Rs. 10 lakhs	Rs 5/ 10 /15 /20/25/50/75/100 lakh	Rs 10 lakh in 2 categories
Health Check-up	No	No	No	No
Deductible	Category I-Rs 3 lakh Category II- Rs 5/10/15/20/25 lakh	Rs 3 lakh	Rs. 3 / 5/10 /15/20/25 lakh	Rs 3 lakhs, Rs 5 lakh
In-Patient Care	Yes	Yes	Yes	Yes
Pre/Post Hospitalization	Yes	Yes	Yes	Yes
Day Care	Yes	Yes	Yes	Yes
Room Category	Single AC	Regular Room, max Rs 4000/day	Single AC	Regular Room, max Rs 4000/day

Types of Star Health Top-up Plans

Currently, the company offers two variants for Star Health Top up Policy, with two plan options for each:

Star Super Surplus Insurance Policy (Individual)- Gold Plan & Silver Plan
Star Super Surplus Insurance Policy((Floater)-Gold Plan & Silver Plan

Star Super Surplus Individual Top-Up: This is available in 2 variants-Gold and silver, with different Sum Insured on an Individual basis. It is available for a one-year and two-year period.
Star Super Surplus Floater Top-Up: This family floater top-up plan is also available in 2 variants-Gold and silver, with different Sum Insured on a Floater basis. It is available for a one-year and two-year period.

These plans come with varied features and benefits, which can be availed by paying a regular premium. Interested individuals can always use the Star Health Premium calculator to get an idea about the premiums under the various plan options.

Star Health Insurance Top Up Plan: Key Features & Benefits

Some of the amazing features and benefits of Star Super Surplus plan are:

Star Health Super Surplus plans provide coverage for unforeseen additional medical coverage on both individual and floater basis.
It comes with coverage for hospitalization expenses, pre and post-hospitalization expenses, daycare, and even modern treatment expenses.
Enhanced cover ranging from Rs 5 lakh to Rs 1 crore
Lifetime renewal benefit is available
Long term and premium payment facility in installments is available
Tax benefits under Sec80D
Network of more than 10k hospitals pan India
With a decent Star Health claim settlement ratio of 87%, the insurer ensures fast and hassle-free settlement.

Inclusions of the Star Health Insurance Top Up Policy

The policy covers the expenses incurred due to the following:

Hospitalization charges
Pre and post hospitalization expenses for 30 and 60 days, respectively
Daycare treatment
In-patient care
Maternity cover up to a specified limit
Air Ambulance cover up to 10% of Sum Insured

Exclusions of the Policy

Under any circumstances, the Star health insurance top up policy doesn’t cover the below expenses:

Any pre-existing diseases before 36 months of continuous coverage for Silver Plans and 12 months for Gold Plans
Any listed disease specified in the policy document before 24 months of continuous coverage for Silver Plans and 12 months for Gold Plans ( like Thyroid, Cataract, etc.)
Any illness or injury due to participation in the unlawful activity by the insured
Intentional self-injury or attempt at suicide
Any illness or treatment for alcoholism, drug or substance abuse
Any illness or injury due to participation in wars, riots, civil war, terrorist activities, nuclear warfare, or nuclear contamination
Treatment related to natural care or spas
Dietary supplements or vitamins, unless medically prescribed
Any unusual or medically unproven, unconventional treatment
Any Sterility or Infertility treatment, like, artificial insemination, IVF, surrogacy, etc.
Congenital disabilities and anomalies

*For a complete list of exclusions, please refer to the Star Health Top up Plan Brochure

Eligibility Criteria

The minimum eligibility conditions under this policy are:

Minimum Entry Age	Individual: 18 years Dependent Children-91 days
Maximum Entry Age	Individual: 65 years Dependent Children-25 years
Renewal Terms	Life long; Defined limit cannot be changed
Cooling Period	30 days, except in case of accidental injury
Wait Period for Named Elements	Gold Plans-12 months Silver Plans-24 months
Pre-existing Diseases	Gold Plans-12 months Silver Plans-36 months
Sum Insured Modification	Only at the time of renewal
Grace Period	30 days from the expiry
Underwriting	Based on pre-existing conditions
Discount	Long-term Premium Discount of 5%, if the total premium is paid two years in advance.

Star Health Insurance Top up plans offer comprehensive additional coverage in medical emergencies when an individual has exhausted the existing health cover. Policyholders should check the Star Health Top up premium chart carefully and go through the exclusions to evaluate the right top-cover option for them before finalizing the top-up plan.

FAQs

Q. Do Star Health Insurance Top-up plans offer co-payment options?

Ans: The Gold variants of the top-up for both individual and floater policies offer the facility for 10% co-payment for each claim for individuals above 60 years of age at the time of plan purchase.
Q. Do the Star Health Top-up plans offer a recharge facility?

Ans: Yes, if the policyholder exceeds the Sum Insured limit under the top-up, he/she can recharge once as per the limits prescribed, not available for modern treatments.
Q. Are wellness services available with these plans?

Ans: The Gold Plan for Star Health Top-up offers wellness services that can be availed of on the mobile app or online on the customer portal.
Q. Do the top-up plans cover obesity treatment expenses?

Ans: No, any expenses related to the treatment of obesity or weight control are not covered.