Network hospitals
14000+
Incurred claim ratio
65%
Sum insured
Up to 1 Cr
No. of Plans
1
Solvency Ratio
2.0
Pan India Presence
850+
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.
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 |
To understand Star Health Super Surplus Policy Insurance in detail, take a look at the below table:
18 to 65 years
Top Up and Super Top Up
5 Lakhs - 1 Crore
30 Days
Lifetime
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.
Read more specifications in the brochure.
With wide coverage options available, Star Health Super Surplus Policy Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Not Covered
Automatic Restoration
Covered
Daily Hospital Cash
Not Covered
Organ Donor
Covered
Maternity Cover
Covered
New Born Baby Cover
Not Covered
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Covered
Health Check-Up
Not Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Co-payment
Not Applicable
Sub-limits
Applicable
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
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 against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
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 be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
Star Health Insurance Plan Detailed Review
All about Star Health Insurance and Plans
Star Health Super Surplus Plan
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.
Individual Plan Premium
Age Group | Sum Insured | Deductible | Sample Annual Premium (1A) |
91 days - 35 years | 10 Lakhs | 3 Lakhs | 1722 |
Family Floater Premium
Age Group | Sum Insured | Deductible | Sample Annual Premium (2A+1C) |
91 days - 35 Years | 10 Lakhs | 3 Lakhs | 2206 |
*The premium calculated in the table is inclusive of Taxes.
Individual Plan Premium
Age Group | Sum Insured | Deductible | Sample Annual Premium (1A) |
91 days - 35 Years | 20 Lakhs | 3 Lakhs | 3788 |
Family Floater Premium
Age Group | Sum Insured | Deductible | Sample Annual Premium (2A+1C) |
91 days - 35 Years | 20 Lakhs | 3 Lakhs | 3422 |
*The premium calculated in the table is inclusive of Taxes.
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
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
To cater to the different medical needs of an individual & their family, Star Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Star Health Insurance plans explore more:
Critical Illness Health Insurance
Star Health Diabetes Safe Health Insurance Plan is a unique plan designed to offer coverage to individuals with diabetes both Type 1 and type 2. The p...
Unique Features
Senior Citizen Health Insurance
Star Health Premier Insurance Policy is a unique health plan designed to cover individuals who are 50 years and above with no maximum entry age limit....
Unique Features
Critical Illness Health Insurance
Star Cancer Care Platinum Insurance Policy is designed to cater to cancer patients. The plan helps the insured individual's family to be financially p...
Unique Features
Critical Illness Health Insurance
Star Critical Illness Multipay Insurance Policy is designed to cater to individuals by providing them with a lump sum coverage on the diagnosis of any...
Unique Features
Individual and Family Health Insurance
Star Hospital Cash Insurance Policy is designed to provide insured individuals with additional protection and takes care of incidental expenses such a...
Unique Features
Critical Illness Health Insurance
Ms. Aneesha, a 53-year-old working woman residing in Indore requires heart transplant surgery due to multiple cardiac ailments. However, since Ms. Ane...
Unique Features
Individual and Family Health Insurance
A unique health insurance plan designed by Star Health Insurance to provide medical coverage to individuals with disabilities and HIV/AIDS. Star Speci...
Unique Features
Top Up and Super Top Up
Star Extra Protect insurance plan is an add-on cover under Star Health Insurance that enhances the limitations imposed on your existing base policy. Y...
Unique Features
Individual and Family Health Insurance
Star Smart Health Pro policy is a newly launched digital plan by Star Health Insurance for customers who want a truly customizable health insurance pl...
Unique Features
Individual and Family Health Insurance
Get comprehensive coverage at affordable premiums. Star Comprehensive insurance policy is a complete health insurance plan that looks after all the he...
Unique Features
Individual and Family Health Insurance
Medi classic insurance policy provides cover for hospitalization expenses incurred as a result of illness/disease/sickness and/or accidental injuries ...
Unique Features
Individual and Family Health Insurance
Gift yourself the Star Women Care Insurance Policy, because we all know your responsibilities are endless and you need the best health to face them wi...
Unique Features
Individual and Family Health Insurance
Young Star Extra Protect add-on cover policy is applicable for the Young Star insurance policy and acts as an enhancer for the benefits of the base in...
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Top Up and Super Top Up
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Unique Features
Critical Illness Health Insurance
Medical insurance designed specially for heart patients. Star Health Cardiac Care Health Insurance plan is the perfect medical policy for individuals ...
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Individual and Family Health Insurance
Star micro rural and farmers care is an individual and family floater plan with a sum insured of 1L and 2L respectively for individual and family floa...
Unique Features
Individual and Family Health Insurance
A supersaver policy covering every family member. Star Family Health Optima is a strategically priced family health insurance plan. It offers comprehe...
Unique Features
Senior Citizen Health Insurance
Perfect plan to secure your old age from medical expenses. Star Senior Citizens Red Carpet Health Insurance Plan is designed to cater to the healthcar...
Unique Features
Critical Illness Health Insurance
Star Health has introduced Star Novel Coronavirus (nCoV) (COVID-19) Insurance policy. The policy provides coverage for the expenses incurred during th...
Unique Features
Individual and Family Health Insurance
Young Star Insurance Policy is tailor-made for youngsters up to 40 years. This plan is available on an individual and family floater basis with two va...
Unique Features
Individual and Family Health Insurance
Star Health Arogya Sanjeevani is a Health Insurance that safeguards you and your family from the financial burden and stress during hospitalization. A...
Unique Features
Individual and Family Health Insurance
Star Health Gain Insurance Policy offered by Star Health is a medical insurance policy which is designed specifically to provide the best possible med...
Unique Features
Senior Citizen Health Insurance
Star Health Insurance for Senior Citizens is exclusively designed for senior citizens who want to meet high medical costs by paying a yearly premium....
Unique Features
Individual and Family Health Insurance
Star Health Insurance plans for a family are a golden investment when it comes to securing the future of your loved ones. Star family plans are design...
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Individual and Family Health Insurance
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Critical Illness Health Insurance
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Unique Features
Individual and Family Health Insurance
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Unique Features
Accident Health Insurance
Star Health Accident Policy provides optimal care and cover in case of any unfortunate accidents. Accidents are an uninvited inconvenience in any indi...
Unique Features
Individual and Family Health Insurance
Most often health insurance plans inadequately cover OPD (out-patient department) expenses for an insurance holder, however, Star Outpatient Care is a...
Unique Features
Critical Illness Health Insurance
Star Criticare Plus Policy falls under a dual benefit plan, as policyholders can get the coverage of health insurance and as well as critical illnesse...
Unique Features
Individual and Family Health Insurance
Star health special care is a unique plan providing indemnity cover to individuals diagnosed with Autism and it is an individual plan. Star health spe...
Unique Features
Top Up and Super Top Up
Top-up health plans from Star Health Insurance can help you protect your health in the event of a medical emergency after you have exhausted the sum i...
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Critical Illness Health Insurance
Cancer is a deadly and difficult disease to deal with, causing patients and their families to struggle emotionally, physically, and psychologically. C...
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Critical Illness Health Insurance
The burden of medical expenses for cancer treatment can be overwhelming leaving the individuals and their families under financial strain. Star Cancer...
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Individual and Family Health Insurance
Star Health Assure Insurance Policy is a versatile 360-degree health insurance plan providing wide coverage for self, spouse, dependent children, pare...
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Individual and Family Health Insurance
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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.
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Naval Goel is the Founder and CEO of PolicyX.com (IRDA- Approved Insurance Comparison Website). He is a CFA charter holder (USA) and FRM (GARP). He holds an MBA from IIFT, Delhi, and is also an Associate from the Insurance Institute of India. Naval is an avid investor and entrepreneur who has a deep understanding of the Indian equity market and insurance sector. He has been investing for more than 10 years now and is a CFA charter holder.
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February 5, 2023
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