Super Surplus
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  • Coverage for maternity expenses
  • Up to 1 crore cover at affordable rates
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Star Super Surplus Insurance

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.

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:

For Star Super Surplus Individual brochure.

For Star Super Surplus Floater brochure.

Choose your Star Surplus Plan

Star Health Top-up plan 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:

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
Treatment  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
Treatment  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
Variant  Star Surplus Silver
Treatments Deductibles Sub Limit per policy for each treatment
Uterine artery Embolization and HIFU  3L 75K
5L 1.25L
Balloon Sinuplasty  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 28 states nationwide. With a wide network of hospitals, Star Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Star Super Surplus Exclusions

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 resulting from a suicide attempt

Hospitalization due to alcohol, and drug abuse

Change of gender treatments

Cosmetic and plastic surgeries

Treatment of obesity, dental problems, mental disorder, genetic disorders, abnormalities, congenital illness

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:

Explore Star Health Insurance

With PolicyX.com, you will find us at every step of buying/claiming/renewing your Super Surplus Insurance policy. Know more about Star Health Insurance plans, claim process, buying process, and contact details of the company by clicking on the sections below:

Claim Process

Click to know Star Health Insurance Claim Process.

Buying Process

Click to know Star Health Insurance Buying Process.

Contact Us

Contact us to know more about Star Health Insurance.

Renewal Process

Click to know Star Health Insurance Renewal Process.

Explore Other Star Health Insurance Plan

The company caters to every medical needs of an individual with several Health Plans. From Star Health Top-up plan to Star Health plans for specific needs, the company has it all covered. Star Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, senior citizens.

A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.

Unique Features

  • Coverage for Modern Treatments
  • Coverage during Pregnancy
  • Preventive Health Check Up

The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement.

Unique Features

  • Guaranteed Lifelong renewals
  • No Pre-acceptance Medical test
  • Availability of Instalment Facility

This policy is designed to provide complete protection against all health care eventualities to you and your family.

Unique Features

  • Health Checkup for Claim-Free Years.
  • Hospital Cash Benefit
  • 100% Automatic Restoration

The plan is ideal for the families who want to get covered under single sum insured.

Unique Features

  • Automatic Restroration of SI
  • Instant Recharge UPTO 30% of SI
  • New born baby cover from 16th day

Star Cardiac Care is ideal for those individuals who want to cover the expenses of cardiac & non-cardiac ailments.

Unique Features

  • Accidents and non-cardiac ailments
  • Day care procedure
  • No pre-acceptance Medical test

The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.

Unique Features

  • All Daycare procedure
  • Pre and Post Hospitalization
  • Organ Donor Expense

This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19.

Unique Features

  • No pre-medical Test
  • Only 16 days of Waiting Period
  • Low premium amount

Star Cancer Care Gold (Pilot Product)

Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)

Unique Features

  • Pre-hospitalization (30 days)
  • All daycare procedure
  • Nursing Expense

Star Special Care Policy

Star Special Care provides coverage to children (3 years to 25 years) who are diagnosed with Autism Spectrum Disorder.

Unique Features

  • No Pre-medical test
  • Nursing Expense
  • Emergency Ambulance Charges

Star Diabetes Safe Insurance Policy

Designed specifically for diabetic persons. Hospitalization related to diabetes and non-diabetic problems is covered under this plan.

Unique Features

  • 30 days waiting period
  • Automatic restoration of Sum Insured
  • Outpatient Expenses

Corona Kavach Policy

It covers the cost of hospitalization if the policyholder tested positive for COVID-19.

Unique Features

  • AYUSH Treatments
  • Home Care Treatment
  • No pre-medical screening test

Corona Rakshak Policy

This policy offers 100% sum insured to the policyholder if he/she tested positive for COVID-19.

Unique Features

  • No pre-medical screening test
  • Sum insured: INR 50K to 2.5Lakhs
  • Only 15 days Waiting Period

Star Health Arogya Sanjeevani Policy

A standard health plan mandated by IRDAI that covers all essential healthcare benefits including Ayush treatment, day care procedures, etc. for individuals and families.

Unique Features

  • Room rent up to 5K/day
  • Modern treatments covered up to 50% of SI
  • 20% rural discount available

Medi Classic Insurance Policy (Individual)

A uniquely designed insurance policy that covers organ donor expenses up to sum insured, AYUSH treatments, modern treatments, and many more.

Unique Features

  • All Daycare procedures
  • Automatic Restoration
  • Domiciliary hospitalization

Star Health Gain Insurance Policy

Provides flexibility in terms of choosing the Sum Insured amount, premium amount, family size. It can be a perfect tax saver for you.

Unique Features

  • All Daycare procedures
  • Coverage for Modern Treatment
  • Outpatient Expense

Star Criticare Plus Insurance Policy

Provides reimbursement of hospitalization expenses and also provides a total amount of sum insured if the insured person is diagnosed with a major illness.

Unique Features

  • Modern Treatment Covered
  • Non-allopathic Treatment
  • Coverage for Medicine and drugs cost

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.

Unique Features

  • No-claim bonus
  • Hospital daily cash
  • Automatic restoration of SI

Health Insurance Articles

Star Super Surplus Plan: FAQs

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 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.

Read Reviews & Ratings

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Ritesh

Delhi

June 2, 2022

Star health insurance company is one of the most trusted brands and my experience has been good with the insurer.

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Himanshu Gada

Delhi

May 25, 2022

Star is a good company. I have bought 2 plans from this company. One for myself, and another for my parents. I am happy with both the plan. Thank you PolicyX.com for helping me to find this gre...

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samarth wadhwa

Guwahati

March 14, 2022

Star is one of the topmost insurance companies and they prove it with their services and plans. They have plans for each family member of mine starting from my parents to my own family and even...

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rachana singh

Ahmedabad

February 24, 2022

I am star health s customers from last 5 months where i have got best customer service. They have a huge list of network hospitals which keeps me relaxed that i can get cashless treatment

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paridhi

Hyderabad

February 17, 2022

No doubt that why people recommended me this company. They are loyal towards their customers and help them in every possible way.

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Yash Sharma

Indore

January 18, 2022

Best comparison portal and best services given by policyx.com and this company is growing in insurance web aggregator sector

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manish patel

Indore

December 29, 2021

This is best company compare to all web agrigaters com. most imp to cistomer support best for help go with this

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Subhash Chandra Pandey

Delhi

December 14, 2021

Amazing services with policyx.com . All the time 24*7 they are able to help you . Specially thanks to sanjiv sir for always better guidance.

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