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 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.
| 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 July, 2021
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 July, 2021
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 the silver and gold variant with a deductible of Rs. 3 Lakhs**. The policy term has been assumed to be 2 years and the payments indicated are made in full. 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 July, 2021
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 July, 2021
Sample Illustration of Premium Amount of Star Super Surplus for Gold Variant
To get a complete list of exclusions of this plan, refer to the policy brochure carefully.
Star Health Insurance Buying Process
We, at PolicyX.com can provide a dedicated agent by your side during the claim settlement process. Below is its buying process.
Star Health claims to offer a hassle-free 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:
Documents required for submission of cashless claim:
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:
Documents Required To File A Reimbursement Claim:
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