Super Surplus Insurance Plan
  • Check your Eligibility
  • Sample Premium Illustrations
  • Understand the Inclusions & Exclusions

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Star Health Super Surplus Insurance Policy

Star Health Super Surplus Insurance policy is a Top-Up plan offered by Star Health that covers your medical needs when your base health cover is exhausted. The plan is a complete package that offers financial assistance to you and your family in case of any medical assistance. The plan is available on a floater and individual basis that allows you to cover yourself as well as your family members.

Star Health Super Surplus insurance plan comes in Gold and Silver variants that let you choose the coverage as per your needs and requirements. Buying this top-up plan not only offers the enhanced coverage but also comes with vast features and benefits. The vast coverage at affordable prices makes it one of the best top-up plans available in the market.

Eligibility Criteria of Star Health Super Surplus Insurance Policy

Policy Type Individual Family Floater
Plan Variants Silver Gold Silver Gold
Age at Entry 18 years-65 years 18 years-65 years
Sum Insured 7 Lakhs & 10 Lakhs 5 Lakhs, 7 Lakhs, 10 Lakhs,15 Lakhs, 20 Lakhs & 25 Lakhs 10 Lakhs 5 Lakhs, 7 Lakhs, 10 Lakhs,15 Lakhs, 20 Lakhs & 25 Lakhs
Deductible Limit 3 Lakhs 3 Lakhs, 5 Lakhs & 10 Lakhs 3 Lakhs & 5 Lakhs 3 Lakhs, 5 Lakhs & 10 Lakhs
Policy Term 1 Year 1 Year

**Last Updated on 01-04-2021

Coverage of Star Health Super Surplus Insurance Policy

To get a wider view of the parameters covered under both the variants, have a look at the table below and choose the suitable variant as per your needs:

Parameters Silver Gold
Hospitalization Expenses Covered Covered
Day Care Procedures Covered Covered
Pre-Hospitalization Expenses Covered, up to 30 Days Covered, up to 60 Days
Post-Hospitalization Expenses Covered, up to 60 Days Covered, up to 90 Days
Emergency Ambulance Not Covered Covered, up to Rs. 3,000/- per hospitalization
Air Ambulance Not Covered Covered, up to 10% of the sum insured per policy period
Modern Treatments Covered Covered
Maternity Expenses Not Covered Delivery expenses including Delivery by Caesarean section (including pre-natal, post-natal expenses, and lawful medical termination of pregnancy are covered up to Rs. 50,000/- per policy period
Recharge Benefit Not Available Available
Organ Donor Expenses Not Covered Covered
Waiting Period 24 Months 12 Months
Pre-Existing Diseases Covered after 36 months of continuous Insurance without break Covered after 12 months of continuous Insurance without break

**Last Updated on 01-04-2021

Sample Rates Of Premium for Star Health Super Surplus Insurance Policy

The table below illustrates the sample premium amount of the Star Health Super Surplus plan for individuals (30 years old) as well as for a family(2 Adults & 1 Child) under a silver and gold variant. With a deductible of Rs. 3 Lakhs**. The tables and graphs below illustrate the amount you need to pay for your plan.

**The premium payable will change as per the age of the policyholder as well as the deductible amount they choose.

For Silver Variant:

Sum Insured Options (in Rs.) Premium Amount (in Rs.)
Individual Family Floater
7 Lakhs 1,375 Not Available
10 Lakhs 1,723 2,207

**Last Updated on 01-04-2021

Sample Illustration of Premium Amount of Star Super Surplus for Silver Variant

Sample Illustration of Premium Amount Of Star Super Surplus for Silver Variant

For Gold Variant:

Sum Insured Options (in Rs.) Premium Amount (in Rs.)
Individual Family Floater
5 Lakhs 1,805 3,422
10 Lakhs 2,525 4,791
15 Lakhs 3,157 5,989
20 Lakhs 3,788 7,186
25 Lakhs 4,354 8,266

**Last Updated on 01-04-2021

Sample Illustration of Premium Amount of Star Super Surplus for Gold Variant

Sample Illustration of Premium Amount Of Star Super Surplus for Gold Variant.

What Is Not Covered Under Star Health Super Surplus Insurance Policy?

  • Pre-Existing Diseases (up to a specified time limit)
  • Change of Gender Treatments
  • Treatment of obesity, dental problems, mental disorder, genetic disorders, abnormalities, congenital illness
  • Cosmetic or Plastic Surgeries
  • Injuries occurred by participating in hazardous or adventurous activities

To get a complete list of exclusions of this plan, refer to the policy brochure carefully.

How To Buy Star Health Super Surplus Health Top-Up Plan?

Follow the below steps and enhance your protection with the Star Super Surplus Top-up Plan.

  • Visit Star Health's official company and click on 'Plans'. Select 'View All Plans' from the drop-down menu.
  • Select 'Star Super Surplus Health Plan'.
  • Fill in all the necessary details such as your name, date of birth, contact information, etc.
  • Once done, the next page will show you the premium amount payable for the coverage you want.
  • Pay the premium online and the policy will be mailed to your registered email address.

For any further assistance, contact our experts via call (1800-4200-269) and they will guide you through the buying process.

How To Register A Claim For Star Super Surplus Health Plan?

Star Health ensures to offer a hassle-free and customer-friendly claim settlement process to all its customers. Read along to find out the two ways through which you can file a claim as per your convenience:

Cashless Claims

One can avail cashless claim settlement if they are opting to get treated in a network hospital of the company. Below is the detailed process of how you can avail cashless facility:

  • First thing first, be it planned or unplanned hospitalization, inform the insurance desk at the network hospital, and show your Star Health ID card for identification.
  • Download and submit the pre-authorization form.
  • The hospital authorities will verify your identity and submit a duly filled pre-authorization form with Star Health.
  • Once submitted, your documents will then be verified. If the need arises, the company may send out a form further verification.
  • If approved, the company will directly settle all the amounts with the hospital.

Documents required for submission of cashless claim:

  • Health card
  • Doctor's consultation papers
  • Discharge summary
  • Investigation reports
  • Pharmacy invoices supported by respective prescriptions
  • In cases of accidents, Medico Legal Certificate (MLC) and/or FIR
  • KYC documents of the insured if the claimed amount exceed Rs. 1,00,000/-

Reimbursement Claims

In case one could not find a network hospital at the time of medical emergency, they can avail the treatment in any hospital and can later file a reimbursement claim. Below is the detailed process of how you can avail reimbursement:

  • All claims need to be intimated within 24 hours of hospitalization. Treatment can be taken at a non-network or network hospital of the company.
  • Avail treatment, settle all the bills, and file a claim for reimbursement.
  • Submit all the required documents like hospital bills, pharmacy bills, together with all the original documents of treatment and the claim form to the company within 15 days of the discharge.
  • After successful verification, the company will process the claim, and you will receive the amount in your registered bank account.

Documents Required To File A Reimbursement Claim:

  • Duly completed claim form including the present address, Contact number, and E-mail ID.
  • Original bills, receipts, and discharge certificate/card from the hospital.
  • Original bills from chemists supported by proper Original prescription.
  • Receipt and investigation test reports from a pathologist.
  • Surgeon's bill and receipt, if any.
  • Self-declaration/MLC/FIR in case of accident cases.
  • Treating doctor's certificate.
  • NEFT and KYC details.

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Find Out What PolicyX.com Customers Are Saying

(Showing latest 5 reviews only)

- 4.4/5 (77 Total Rating)

March 20, 2021

Donavin Menezes
Mumbai

Good system of online Digital transactions to obtain my policy with proper guidance from staff at Policy X

March 16, 2021

Murari Lal Agiwal
Jaipur

In my review dated 13-03-2021, Due to my mistake i wrote very bad experience, actually these refdunds(difference amount

March 16, 2021

Murari Lal Agiwal
Jaipur

In my review of dated 13-03-2021, i wrote very bad experience, but actually these refunds ( difference amount

March 4, 2021

Mohit Agnihotri
Kanpur

Happy with the services provided by policy x as well as star health..looking for same service for future as well.

March 4, 2021

Rohit
Delhi

We have taken the policy for my parents in law. I have tried in other companies also but no one was able to make a good deal. So I choose star from policy.com. the agent rohit mehra he assited us and he was very patience and accurate. Now we got the policy. Star gave the coverage and rohit guided us. Very nice service of both the companies. Best wishes to Rohit if policyx.com from rohit

Last updated on 01-04-2021

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