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 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.

Eligibility Criteria of Star Health Super Surplus Insurance Policy

**Last Updated on July, 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:

**Last Updated on July, 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 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:

**Last Updated on July, 2021

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

For Gold Variant:

**Last Updated on July, 2021

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.

Buying Process

Star Health Insurance Buying Process

• Visit the official website of the company and click on the 'Buy Now' tab.
• Fill in all the necessary details.
• Once you have selected the plan of your choice, make the premium payment.
• Your policy document will be mailed to you at your registered email address.

We, at PolicyX.com can provide a dedicated agent by your side during the claim settlement process. Below is its buying process.

• Fill in the details in the 'Calculate Premium' form.
• The next page will show all the available plans. Choose the best Star health plan and click on 'Buy Now'.
• Pay the premium and your policy document will be shared with you on your registered email.

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

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:

• 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 for 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.