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A top-up plan for added coverage at affordable costs.
Star Super Surplus Insurance Policy is a top-up health insurance plan offering surplus coverage and benefits during medical emergencies. Available in individual and family floater cover, this plan covers healthcare expenses of up to 1 crore at reasonable premiums. The Super Surplus Top-up plan from Star Health provides sufficient protection to you and your family above your opted deductible limit. It also provides an option to waive off deductible under the Star Super Surplus Gold variant.
The extensive coverage of the Star Health Super Surplus plan makes this plan a complete and affordable package for everyone.
For instance: Mayank has savings of up to 10 lakhs or an existing mediclaim cover of 10 Lakhs, but he feels this is not enough to meet his family's healthcare needs. To deal with skyrocketing medical costs, he purchased a Star Super Surplus top-up plan with a sum insured amount of 20 lakhs and a deductible of 10 Lakhs (his existing cover). Now onwards, this top-up plan will cover his healthcare expenses exceeding 10 Lakhs, offering up to 20 Lakhs of coverage above the deductible amount.
For a better understanding, refer to the example below:
| Sum Insured | 20 Lakhs | 20 Lakhs | 20 Lakhs |
| Deductible | 5 Lakh | 10 Lakhs | 15 Lakhs |
| Medical expenses | 4 Lakhs | 11 Lakhs | 15 Lakhs |
| Claimable Amount | 0 | 1 Lakh | 0 |
| PLAN DETAILS |
Star Super Surplus |
Health Pulse Plan |
| Product Type | Top Up and Super Top Up | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
14000 | 10000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Applicable | Not Covered |
| Plan Entry Age | 18 to 65 years | 18 to 65 Years |
| Plan Premium Entry Age and S/A | 1225 | 8339 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | - | Hospitalisation Medical Expenses, Pre Post Treatment, Day Care Procedures, Ambulance Transportation Cover, Room Rent Coverage, ICU Charges Included, Sum Insured Refill, Critical Illness Cover |
| Plan Sample Premium | - | 8339 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 / 2 / 3 year | upto 3 years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Covered |
| Ayush Treatment | Not Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Covered | Covered |
| Air Ambulance | Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 99.06 | 94.4 |
| Solvency Ratio | 2.21 | 3.03 |
|
Star Health Insurance Plan Detailed Review Niva Bupa Health Insurance Plan Detailed Review |
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