Star Health Insurance Top Up Plan

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      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.

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      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

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
      book-home-visit
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker (Life & General)| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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