Star Super Surplus
vs
Super Health Policy
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 Star Super Surplus |
 Super Health Policy |
| Premium Including GST | ||
| 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 | 6000 |
| 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 | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Applicable | Covered |
| Plan Entry Age | 18 to 65 years | Min: 91 Days, Max: No Limit |
| Plan Premium Entry Age and S/A | 1225 | NA |
| Plan Waiting Period | 30 | 30 Days |
| Plan Coverage | - | - |
| Plan Sample Premium | - | NA |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 / 2 / 3 year | 1, 2, 3 years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Not Covered |
| Automatic Restoration | Covered | Covered |
| Ayush Treatment | Not Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Covered | Not Covered |
| Air Ambulance | Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 99.21 | 98% |
| Solvency Ratio | 2.19 | 1.8 |
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 health care expenses of up to 1 crore at reasonable premiums. 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 Star super surplus gold variant.
The extensive coverage of Star Health Super Surplus plan makes this plan a complete and affordable package for anyone and everyone.
For instance: Mayank owns savings of up to 10 lakhs or has an existing mediclaim cover of 10 Lakhs but he still feels this is not enough to meet the healthcare needs of his family. To deal with skyrocketing medical costs, he purchased Star Super Surplus top-up plan with a sum insured amount of 20 lakhs and a deductible of 10 Lakhs (existing cover). Now onwards, this top-up plan will cover his healthcare expenses exceeding the cost of 10 Lakhs as this plan will offer up to 20 Lakhs of coverage above the deductible amount.
For 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 |
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With over 12 years of rich experience in the BFSI domain, with a specialisation in Life and Health Insurance, I have played a pivotal role in simplifying the insurance-buying process and delivering unparalleled service.
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