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.
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How does Star Super Surplus Plan work?
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
Star Super Surplus Plan Specifications
To understand Super Surplus Insurance policy in a better way, take a look at the below table of its specifications:
Star Surplus plan silver
Variant
Star Surplus Silver Star Surplus Gold
Sum Insured
Individual: 7 & 10 Lakhs Floater: 10 Lakhs
Deductible
Individual: 3 Lakhs, Floater: 3 Lakhs and 5 Lakhs
Age Eligibility
Adult: 18 to 65 years, Child: 91 days (floater) to 24 Years
Adult: 18 to 65 years, Child: 91 days (floater) to 24 Years
Plan Type
Top-up for Individual & Family floater
Policy Term
1 / 2 / 3 year
Renewability
Lifetime
Initial Waiting Period
30 Days
Grace Period
30 Days
For Star Super Surplus Individual brochure.
For Star Super Surplus Floater brochure.
Choose your Star Surplus Plan
Star health super surplus insurance policy offers two variants to the policyholder, and allow them to customize the plan as per their needs. Take a look at the below coverage table and choose the one according to your needs and budget:
Coverage for SI:7L & 10L Individual (Silver)
In-patient & Out-patient Coverage
Room Rent
Covered up INR 4K
ICU Charges
Covered
Pre-Hospitalization
Covered up to 30 days
Post-Hospitalization
Covered up to 60 days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered after waiting period
Cataract
Covered after waiting period
No Claim Bonus
Not available
Automatic Restoration
Available
Daily Hospital Cash
Not available
Organ Donor
Not Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Emergency Coverage
Ambulance
Not available
Air Ambulance
Not available
Compassionate Travel
Not available
Global Coverage
Not available
Wellness Programmes
E-Consultation
Not Covered
Health Check-Up
Not Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Limitations
Co-payment
10% of co-payment
Sub-limits
Applicable
Coverage for SI:5 L Individual (Gold)
In-patient & Out-patient Coverage
Room Rent
Covered up INR 4K
ICU Charges
Covered
Pre-Hospitalization
Covered up to 30 days
Post-Hospitalization
Covered up to 60 days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered after waiting period
Cataract
Covered after waiting period
No Claim Bonus
Not available
Automatic Restoration
Available
Daily Hospital Cash
Not available
Organ Donor
Covered up to SI
Maternity Cover
Covered up to 50K
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Emergency Coverage
Ambulance
Covered up to 3K per policy period
Air Ambulance
Not available
Compassionate Travel
Not available
Global Coverage
Not available
Wellness Programmes
E-Consultation
Available
Health Check-Up
Not Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Limitations
Co-payment
10% of co-payment
Sub-limits
Applicable
Coverage for SI:7L to 1Cr Individual (Gold)
In-patient & Out-patient Coverage
Room Rent
Covered up INR 4K
ICU Charges
Covered
Pre-Hospitalization
Covered up to 30 days
Post-Hospitalization
Covered up to 60 days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered after waiting period
Cataract
Covered after waiting period
No Claim Bonus
Not available
Automatic Restoration
Available
Daily Hospital Cash
Not available
Organ Donor
Covered up to SI
Maternity Cover
Covered up to 50K
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Emergency Coverage
Ambulance
Covered up to 3K per policy period
Air Ambulance
Covered up to 10% of SI
Compassionate Travel
Not available
Global Coverage
Not available
Wellness Programmes
E-Consultation
Available
Health Check-Up
Not Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Limitations
Co-payment
10% of co-payment
Sub-limits
Applicable
Coverage for SI:10L Family (Silver)
In-patient & Out-patient Coverage
Room Rent
Single Private AC room
ICU Charges
Covered
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 90 days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered after waiting period
Cataract
Covered after waiting period
No Claim Bonus
Not available
Automatic Restoration
Available
Daily Hospital Cash
Not available
Organ Donor
Not Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Emergency Coverage
Ambulance
Not Covered
Air Ambulance
Not Covered
Compassionate Travel
Not available
Global Coverage
Not available
Wellness Programmes
E-Consultation
Not Covered
Health Check-Up
Not Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Limitations
Co-payment
10% of co-payment
Sub-limits
Applicable
Coverage for SI:5L Family (Gold)
In-patient & Out-patient Coverage
Room Rent
Single Private AC room
ICU Charges
Covered
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 90 days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered after waiting period
Cataract
Covered after waiting period
No Claim Bonus
Not available
Automatic Restoration
Available
Daily Hospital Cash
Not available
Organ Donor
Covered up to SI
Maternity Cover
Covered up to 50K
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Emergency Coverage
Ambulance
Covered up to 3K per policy period
Air Ambulance
Not Covered
Compassionate Travel
Not available
Global Coverage
Not available
Wellness Programmes
E-Consultation
Available
Health Check-Up
Not Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Limitations
Co-payment
10% of co-payment
Sub-limits
Applicable
Coverage for SI:10L to 1CR Family (Gold)
In-patient & Out-patient Coverage
Room Rent
Single Private AC room
ICU Charges
Covered
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 90 days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered after waiting period
Cataract
Covered after waiting period
No Claim Bonus
Not available
Automatic Restoration
Available
Daily Hospital Cash
Not available
Organ Donor
Covered up to SI
Maternity Cover
Covered up to 50K
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Emergency Coverage
Ambulance
Covered up to 3K per policy period
Air Ambulance
Covered up to 10% of SI
Compassionate Travel
Not available
Global Coverage
Not available
Wellness Programmes
E-Consultation
Available
Health Check-Up
Not Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Limitations
Co-payment
10% of co-payment
Sub-limits
Applicable
What is Room Rent?
Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common Room categories covered under room rent are:
Private Single AC Room
Twin Sharing
General Ward
Coverage status under Star Super Surplus Plan?
Room rent charges under this plan vary on the basis of your selected plan variant:
Variant
Star Surplus Silver
Star Surplus Gold
Room Rent
Covered up to INR 4K
Single private AC room
What are ICU Charges?
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under Star Super Surplus Plan?
Under this plan, ICU charges are covered up to your selected Sum Insured amount.
What is Pre Hospitalization?
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Star Super Surplus Plan?
Pre hospitalization expenses under this plan vary on the basis of your selected plan variant:
Variant
Star Surplus silver
Star Surplus gold
Pre-Hospitalization
Covered up to 30 days
Covered up to 60 days
What is Post Hospitalization?
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Star Super Surplus Plan?
Post hospitalization expenses under this plan vary on the basis of your selected plan variant:
Variant
Star Surplus silver
Star Surplus gold
Post-Hospitalization
Covered up to 60 days
Covered up to 90 days
What is Domiciliary Hospitalization?
Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.
Coverage status under Star Super Surplus Plan?
Domiciliary hospitalization is not covered under this plan.
What is Daycare Treatment?
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Star Super Surplus Plan?
This plan covers all day care procedures.
What are OPD charges?
The cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under Star Super Surplus Plan?
This plan does not cover OPD charges.
What is COVID-19 Treatment?
Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under Star Super Surplus Plan?
COVID-19 treatment is covered under this plan.
What is Cataract Treatment?
A common eye condition in which your vision gets blurred.
Coverage status under Star Super Surplus Plan?
Cataract treatment is covered but after a certain waiting period.
What is a No-Claim Bonus?
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as no-claim bonus on policy renewal. However, in the case of claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under Star Super Surplus Plan?
No-claim bonus feature is not available under this plan.
What is Automatic Restoration?
Automatic restoration is a benefit in which the insurance company restores the total sum insured after it gets fully exhausted in treatments.
Coverage status under Star Super Surplus Plan?
Automatic restoration is not available under this plan.
What is Daily Hospital Cash?
It is a cash amount that you will get each day during the time of hospitalization.
Coverage status under Star Super Surplus Plan?
Daily hospital cash is not available under this plan.
What is an Organ Donor Cover?
Your health plan will cover the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under Star Super Surplus Plan?
The plan provides coverage for organ donor expenses up to the total amount of sum insured but only in the gold variant of both individual and family plan types.
What is a Maternity Cover?
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under Star Super Surplus Plan?
Maternity expenses are covered up to 50K per policy year only under the star super surplus gold plan in both individual and family floater plan types. It offers coverage for normal and C-section deliveries (including prenatal, post-natal expenses, and lawful medical termination of pregnancy). You can cover up to a maximum of 2 deliveries in the entire lifetime of the insured person.
What is a New Born Baby Cover?
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the new born cover and these common treatments can vary from plan to plan:
Congenital anomaly (conditions since birth)
Acute condition
Chronic condition
Pre-mature delivery
Birth asphyxia
Day care treatment
Coverage status under Star Super Surplus Plan?
Newborn baby expenses are not covered under this plan.
What is AYUSH Treatment?
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Star Super Surplus Plan?
This plan does not cover AYUSH treatment expenses.
What is IVF Treatment?
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Full infertility
No fertility
Infertility diagnosis
Infertility diagnosis and limited fertility treatment
Medication (which may or may not include fertility drug prescriptions)
Coverage status under Star Super Surplus Plan?
The plan does not cover IVF treatment.
What is a Modern Treatment?
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Star Super Surplus Plan?
This plan covers a wide range of modern treatments with certain sub-limits as mentioned in the table below:
Plan Type: Individual
Variant
Star Surplus Silver
Star Surplus Gold
Sum Insured
7 lakhs
10 Lakhs
5L
7L
10L
15L
20L
25L
50L
75L
1 Cr
TreatmentÂ
Sub-Limits
Uterine artery Embolization and HIFU
1.25L
1.50L
1.25L
1.25L
1.5L
1.75L
2 L
2 L
2.25 L
2.50 L
3 L
Balloon Sinuplasty
50K
1L
50K
50K
1 L
1.25L
1.50 L
1.50 L
1.75 L
2 L
2 L
Deep Brain Stimulation
2.5L
3L
2.5 L
2.5 L
3 L
4 l
4.5 L
5 L
6 L
7 L
7.5 L
Oral Chemotherapy
1.25L
2L
1.25L
1.25L
2 L
2.5L
2.75L
3 L
4 L
5 L
6 L
Immunotherapy-Monoclonal Antibody to be given as injection
2.75L
4L
2.5 L
2.75L
4 L
5 L
5.5 L
6 L
7.5 L
9 L
10 L
Intra Vitreal injections
60K
75K
50 K
60 K
75 K
1L
1.25L
1.5 L
1.75L
2L
2L
Robotic surgeries
2.75L
3L
2.5L
2.75L
3L
4L
4.5L
5L
6L
7L
7.5L
Stereotactic radio surgeries
2.75L
3L
2L
2.75L
2.25L
2.5L
2.75L
3L
3.5L
3.75L
4L
Bronchial Thermoplasty
Up to SI
Up to SI
Vaporisation of the prostate (Green laser treatment or holmium laser treatment)
IONM-(Intra Operative Neuro Monitoring)
Stem Cell Therapy
2.75 L
3L
2.5L
2.75L
3L
4L
4.5L
5L
7.5L
9L
10L
Plan Type: Floater
Variant
Star Surplus Gold
Sum Insured
5L
10L
15L
20L
25L
50L
75L
1 Cr
TreatmentÂ
Sub-Limits
Uterine artery Embolization and HIFU
1.25L
1.5L
1.75L
2 L
2 L
2.25 L
2.50 L
3 L
Balloon Sinuplasty
50K
1 L
1.25L
1.50 L
1.50 L
1.75 L
2 L
2 L
Deep Brain Stimulation
2.5 L
3 L
4 L
4.5 L
5 L
6 L
7 L
7.5 L
Oral Chemotherapy
1.25L
2 L
2.5L
2.75L
3 L
4 L
5 L
6 L
Immunotherapy-Monoclonal Antibody to be given as injection
2.5 L
4 L
5 L
5.5 L
6 L
7.5 L
9 L
10 L
Intra Vitreal injections
50 K
75 K
1L
1.25L
1.50 L
1.75L
2L
2L
Robotic surgeries
2.5L
3L
4L
4.5L
5L
6L
7L
7.5L
Stereotactic radio surgeries
2L
2.25L
2.5L
2.75L
3L
3.5L
3.75L
4L
Bronchial Thermoplasty
Up to SI
Vaporisation of the prostate (Green laser treatment or holmium laser treatment)
IONM-(Intra Operative Neuro Monitoring)
Stem Cell Therapy
2.5L
3L
4L
4.5L
5L
7.5L
9L
10L
VariantÂ
Star Surplus Silver
Treatments
Deductibles
Sub Limit per policy for each treatment
Uterine artery Embolization and HIFUÂ
3L
75K
5L
1.25L
Balloon SinuplastyÂ
3L
30K
5L
50K
Deep Brain Stimulation
3L
1.5L
5L
2.5L
Oral Chemotherapy
3L
75K
5L
1.25L
Immunotherapy-Monoclonal Antibody to be given as injection
3L
1.5L
5L
2.5L
Intra Vitreal injections
3L
30K
5L
50K
Robotic surgeries
3L
1.5L
5L
2.5L
Stereotactic radio surgeries
3L
1.5L
5L
2L
Bronchial Thermoplasty
3L
Up to Sum Insured
5L
Vaporisation of the prostate (Green laser treatment or holmium laser treatment)
3L
5L
IONM-(Intra Operative Neuro Monitoring)
3L
5L
Stem Cell Therapy
3L
1.5L
5L
2.5L
What is an Ambulance Cover?
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under Star Super Surplus Plan?
This plan covers Ambulance charges up to 3k per policy period but only under the star health super surplus gold plan variant. For better understanding refer to the below table:
Plan Type
Individual
Family
Variant
Silver
Gold
Silver
Gold
Ambulance
Not available
Covered up to 3K per policy period
Not available
Covered up to 3K per policy period
What is an Air Ambulance?
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under Star Super Surplus Plan?
This plan covers Ambulance charges up to 10% of the sum insured but only under the star health super surplus gold plan variant. For better understanding refer to the below table:
Plan Type
Individual
Family
Variant
Silver
Gold
Silver
Gold
Sum Insured
7L and 10L
5 L
7L to 1Cr
10L
5L
10L to 1CR
Air Ambulance
Not available
Not available
Covered up to 10% of SI
Not available
Not available
Covered up to 10% of SI
What is Compassionate Travel?
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under Star Super Surplus Plan?
Not available
What is Global Coverage?
Any kind of medical/health emergency when you are outside of India.
Coverage status under Star Super Surplus Plan?
Not available
What is E-Consultation?
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under Star Super Surplus Plan?
E-consultation is available under this plan but only in the super surplus gold plan in both family floater and individual plan types. You can avail of this feature through the mobile App and customer portal of the company.
What is a Health Checkup?
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under Star Super Surplus Plan?
The policy does not cover health check-ups.
What is a Second Medical Opinion?
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.
Coverage status under Star Super Surplus Plan?
Not available
What is Vaccination cover?
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Star Super Surplus Plan?
Not available
What is Co-payment?
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Coverage status under Star Super Surplus Plan?
10% of co-payment on every claim amount applies to people above 60.
What is the Sub limit?
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to pay by the policyholder.
Coverage status under Star Super Surplus Plan?
Sub-limits under this plan apply to modern treatments, various surgeries, etc.
Star Health Insurance Network Hospital List
Star Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Star Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Every plan consists of medical procedures/diseases that are not covered by the company. Similarly, Star Health Super Surplus has a list of such exclusions. Take a look below:
Permanent Exclusions
The following diseases or health conditions are not included in this health insurance plan:
Injuries occurred due to participation in Hazardous or Adventure sports
Expenses related to sterility and infertility
Complicated deliveries and cesarean sections
Expenses towards miscarriage (unless due to an accident)
Coverage after Waiting Period
Some treatments are covered after a defined waiting period under this plan. To know more, read below:
Star super surplus silver
Pre-existing diseases after 3 Years
Specific ailment after 2 years
Star super surplus gold
Some treatments are covered after a defined waiting period under this plan. To know more, read below:
Star super surplus silver
Pre-existing diseases after 1 year
Specific ailment after 1 year
Star Super Surplus Premium
We at PolicyX.com try to simplify the premium calculation of the Star Super Surplus top-up plan. So, we have calculated two annual premium amounts for a 1-year policy term based on the same sum insured with different deductible amounts. Find sample premiums of both plan variants of Star Health Top-up Plan below:
Star Surplus plan silver
Individual Plan Premium
Age Group
Sum Insured
Deductible
Sample Annual Premium (1A)
91 days - 35 years
10 Lakhs
3 Lakhs
1722
Family Floater Premium
Age Group
Sum Insured
Deductible
Sample Annual Premium (2A+1C)
91 days - 35 Years
10 Lakhs
3 Lakhs
2206
*The premium calculated in the table is inclusive of Taxes.
Star Surplus plan Gold
Individual Plan Premium
Age Group
Sum Insured
Deductible
Sample Annual Premium (1A)
91 days - 35 Years
20 Lakhs
3 Lakhs
3788
Family Floater Premium
Age Group
Sum Insured
Deductible
Sample Annual Premium (2A+1C)
91 days - 35 Years
20 Lakhs
3 Lakhs
3422
*The premium calculated in the table is inclusive of Taxes.
To cater to the different medical needs of an individual & their family, Star Health offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to explore more:
Created for young individuals under 40 years of age. It also offers various benefits such as discounts on renewals, incentive-led wellness programs, lowest waiting periods.
A standard health plan mandated by IRDAI that covers all essential healthcare benefits including Ayush treatment, day care procedures, etc. for individuals and families.
Provides reimbursement of hospitalization expenses and also provides a total amount of sum insured if the insured person is diagnosed with a major illness.
It is designed to care for your incidental expenses such as travel, food, etc. that are not covered under your Health Insurance Policy in the event of Hospitalization.
A critical illness policy providing lump sum benefit on diagnosis of Critical illnesses related to Cancer, Heart, Brain & Nervous System, and Major Organs.
1. What is the deductible in the star super surplus Insurance policy?
Deductible in the super surplus insurance policy is the medical expense amount that you need to pay on your own and the rest will be paid by the insurance company. The health insurance company will only pay the claim if it exceeds the deductible amount. Any claim that is less than or equal to the deductible amount will be rejected.
2. How does deductible work in Star Super Surplus?
It is a simple calculation of subtracting deductible amounts from your claim amount. For example, you choose a deductible of 1 lakh and your claim amount is 3 lakhs for a top-up sum insured of 6 lakhs. In this case, you will receive (3,00,000 - 1,00,000=2 lakhs) as a claimable amount under Star super surplus plan from the insurer.
3. Does the star health super surplus policy offer additional recharge benefits?
Star health super surplus coverage includes additional recharge benefits that can only be used after the basic sum insured has been exhausted.
4. What is an initial waiting period in a star super surplus health insurance policy?
An initial waiting period is a time in which you can not get any benefits from your health insurance policy. However, it will not apply to any health insurance claims related to accidental hospitalization. It is also known as the cooling period.
5. What is Co-payment and how will it affect my claim payment under Star super surplus?
Co-payment is a fixed amount or a percentage of treatment costs that policyholders have to bear and the rest is borne by the insurer.
For example: If you have insurance that has a copay clause of INR 5K for any treatment and the treatment costs arise of INR 10K, then you have to pay INR 5K for your treatment while the insurer covers the remaining INR 5K.
6. Can I pay my super surplus premiums in EMI?
Yes, Star super surplus health insurance offers premium payments on an installment basis i.e. Half Yearly or Quarterly.
7. Does star health super surplus offer a portability option?
Yes, star health super surplus offers a portability option in which you can switch from one insurer to another.
8. Does star health super surplus offer a migration option?
Yes, star health super surplus plan offers a migration benefit in which you can transfer your gained credit for pre-existing diseases (PEDs) and time-bound exclusions.
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