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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Star Health Insurance Top Up Plan

Get up to 5% discount*
Get insured from the comfort of your home No medicals required
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    Some plans are available only after a certain time

    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


    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






    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





    Pre/Post  Hospitalization





    Day Care





    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


    Based on pre-existing conditions


    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.


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