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SBI Super Health Plan 2025 | Best Coverage at Affordable Premium?
Star Health Insurance
Star Health Super Surplus Policy
Top-up health insurance for individuals and families offers additional ...Read More
Up to 1 Cr
Sum insured
1
No. of plans
850+
Pan India presence
99.06%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,761 reviews
🏥 14,000+ hospitals
📊 2.21 solvency ratio
✅ 99.06% claim settlement
About Star Health Super Surplus Policy
A quick read on what this Star Health Insurance plan covers and why it might be a fit for you.
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 healthcare expenses of up to 1 crore at reasonable premiums. The 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 the Star Super Surplus Gold variant.
The extensive coverage of the Star Health Super Surplus plan makes this plan a complete and affordable package for everyone.
How does Star Super Surplus Plan work?
For instance: Mayank has savings of up to 10 lakhs or an existing mediclaim cover of 10 Lakhs, but he feels this is not enough to meet his family's healthcare needs. To deal with skyrocketing medical costs, he purchased a Star Super Surplus top-up plan with a sum insured amount of 20 lakhs and a deductible of 10 Lakhs (his existing cover). Now onwards, this top-up plan will cover his healthcare expenses exceeding 10 Lakhs, offering up to 20 Lakhs of coverage above the deductible amount.
For a 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 |
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 to 65 years
Plan type
Top Up and Super Top Up
Sum insured options
₹5 L
Waiting period
30 days
Renewability
Lifetime
Policy term
1 / 2 / 3 year
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Flexible Policy
- Avail Long Term Discount
- Cover family up to 2 Adults + 3 Children
- Lifelong renewal
- 2 Plan variants
Cons
- Includes Deductibles
- Hazardous Activity not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
- Congenital Disease Cover
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Not covered
- Day-care treatment Covered
- OPD charges Not covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Not covered
- Automatic restoration of SI Covered
- Daily hospital cash Not covered
Family & special care
- Maternity cover Covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Not covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Covered
- E-consultation Covered
- Health check-up Not covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Not Applicable
- Sub-limits Applicable
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Star Health Super Surplus Plan
All about Star Health Insurance and Plans
Star Health Insurance Plan Detailed Review
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.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
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:
- 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)
- 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
- Pre-existing diseases after 1 year
- Specific ailment after 1 year
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry Age: - 18 Years
- Max Entry Age: - 65 Years
- Sum Insured: - 5 L to 1 Cr
- Waiting Period: - 30 Days
Other features & benefits
- Avail e-opinions
- Star Wellness Services
- Recharge benefit
- Air Ambulance
- No pre-policy Medical check-up
Star Super Surplus Plan: FAQs
The 8 most-asked questions about Star Health Super Surplus Policy, answered.
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.
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.
Star health super surplus coverage includes additional recharge benefits that can only be used after the basic sum insured has been exhausted.
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.
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.
Yes, Star super surplus health insurance offers premium payments on an installment basis i.e. Half Yearly or Quarterly.
Yes, star health super surplus offers a portability option in which you can switch from one insurer to another.
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.
Explore Star Health Insurance
Star Health Free Health Check-Up
Star Health Insurance Premium Calculator
Star Health Policy Download
Star Health Claim Settlement Ratio
Renewal of Star Health Insurance
Star Health Insurance Customer Care
Star Health Incurred Claim Ratio
Star Health Policy Cancellation
Star Health Insurance Claims
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Written and reviewed by
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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