Star Super Surplus Insurance Plan- The Star Super Surplus Insurance Policy is an additional health insurance policy with more coverage than a standard plan. A top-up policy can offer additional protection against more complicated diseases and conditions due to the unpredictable nature of medical expenses. Star Super Surplus Insurance Plan additional coverage enables policyholders to remain prepared for a variety of unanticipated occurrences. The silver and gold plans for this coverage are available. Star Super Surplus Insurance Plan are a lot of options and a lot of flexibility in these two plans for the insured. Star Super Surplus Insurance Plan cover is available as either an individual or family floater option. Only one person, their spouse, and any dependent children under the age of 25 are eligible for family floater coverage.
Star Super Surplus Insurance Plan
- 1 Star Super Surplus Insurance Plan
- 2 Reliance General Health Plan Details
- 3 About Star Super Surplus Health Insurance
- 4 Star Super Surplus Top-up Policy
- 5 Eligibility Criteria
- 6 Details of Star Super Surplus – Top-up Policy
- 7 Premium Calculation of Star Super Surplus – Top-up Policy
- 8 General Exclusions of Star Super Surplus – Top-up Policy
- 9 Conclusions
- 10 Star Super Surplus Insurance Plan FAQ’S
The Star Super Surplus Insurance Plan provides significantly more coverage than the basic health insurance plans. In the event of a medical emergency, this health insurance policy provides ample financial assistance. Individual and floater versions of the plan are available to anyone between the ages of 18 and 65. The Gold and Silver Star Health Super Surplus insurance plans have one-year terms and can be renewed for life. Star Super Surplus Insurance Plan covers things like inpatient hospitalization, daycare, delivery costs, air ambulance coverage, the cost of an organ donor, and so on. Star Super Surplus Insurance Plan extensive coverage makes it affordable and comprehensive for everyone. It is one of the top-up plans that gives you a large amount of coverage for a low price.
Reliance General Health Plan Details
|Name Of Article||Reliance General Health Plan|
|Reliance General Health Plan||Click Here|
|Official Website||Click Here|
About Star Super Surplus Health Insurance
The Super Surplus Insurance Policy provides significantly more coverage than the basic plans. In times of medical emergency, it provides a great deal of financial assistance. Individuals aged 18 to 65 are eligible for the policy, which is offered on an individual and floater basis.
The Silver and Gold plans have a one-year policy term and are guaranteed to renew for life. Daycare services, inpatient hospitalization, delivery fees, organ donor fees, air ambulance coverage, and other services are among the scheme’s main offerings. This plan provides comprehensive coverage at an affordable price for everyone. It is a plan that adds coverage and gives you more coverage for less money.
Star Super Surplus Top-up Policy
Star Super Surplus – Top-up Policy is a traditional top-up health insurance plan that Star Health Insurance Company offers to give its customers more health insurance benefits to protect them from various health risks, diseases, and conditions. By adding additional coverage to your existing health insurance policy, a top-up health insurance plan serves as a supplement to your regular coverage. The plan can be purchased for oneself or for members of one’s family; the Gold Plan of this policy provides additional coverage. This plan offers a variety of unique benefits and facilities to meet the diverse requirements of individuals, in addition to the fundamental protections of a standard health insurance policy.
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|Minimum entry age||Adult – 18 years
Dependent child – 91 days
|Maximum entry age||Adult – 65 years
Dependent child – 25 years
|Who can purchase||Family – Self, Spouse, and economically dependent children|
|Policy year||1 year and 2 years|
|Policy type||Individual and family floater|
|Policy variants||Silver Plan and Gold Plan|
|Pre-acceptance Medical Screening (both Silver and Gold Plans)||No Pre-acceptance Medical Screening is required.|
|Sum insured||From Rs. 5 lakhs to Rs. 1 crore|
|Installment Facility available||Premium can be paid Quarterly and Half-yearly, and also
Annually and Biennially (Once in 2 years).
|Long Term Discount||If the entire premium applicable for two years is paid in advance, the discount available is 5%|
|Free look period||15 days|
Details of Star Super Surplus – Top-up Policy
This policy has a ton of features and benefits to give you the most protection against various medical conditions. The plan’s specifics are discussed in the table below for your benefit.
|Room||Room, Boarding, Nursing Expenses as provided by the Hospital / Nursing Home subject to a maximum of Rs.4,000/- per day for Silver Plan.|
|Hospitalization coverage||Anesthesia, Blood, Oxygen, Operation Theatre charges, ICU Charges, Surgical Appliances, Medicines and Drugs, Diagnostic Materials and X-rays, Cost of Pacemaker, and similar expenses.|
|Pre-hospitalization expenses||Up to 30 days for Silver Plan and up to 60 days for Gold Plan|
|Post-hospitalization expenses||Up to 60 days for Silver Plan and up to 90 days for Gold Plan|
|Coverage for Modern Treatments||Available, expenses are subject to the limits.|
|Emergency ambulance charges||Available only with the Gold Plan, and that is up to Rs.3,000/- per policy period for transportation of the insured person to the hospital|
|Air Ambulance expenses||Up to 10% of the sum insured per policy period. Applicable for sum
insured option of Rs.7 lacs and above for the Gold Plan only.
|The facility for obtaining E-Medical Opinion||Available with the Gold Plan only|
|Delivery expenses||Delivery including Delivery by Caesarean section (including
pre-natal, post-natal expenses, and lawful medical termination of pregnancy) up to Rs.50,000/- per policy period
|Organ donor expenses||Available, if the insured person is the recipient|
|Recharge Benefit||Defined limit||Recharge limit|
|Rs. 3 lakhs||Rs. 50,000|
|Rs. 5 lakhs||Rs. 75,000|
|Rs. 10 lakhs||Rs. 1 lakh|
|Rs. 15 lakhs and above||Rs. 2.5 lakhs|
|Wellness services||Available through mobile app and customer portal|
|Waiver of Deductible||Available and subject to the terms and conditions of the policy|
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Premium Calculation of Star Super Surplus – Top-up Policy
When you want to buy a policy, it’s important to know how much the premium will be for the information you provide because it helps you plan your finances and understand the policy’s value. As a result, here is an illustration of how the premium is calculated so that you can have a better understanding of the Star Super Surplus – Top-up Policy.
Mr. Jaidka, a businessman who is 36 years old, purchased the Star Super Surplus – Top-up Policy for himself. Let’s find out how much he has to pay in premium for the given information for various sum insured options.
|Age||Policy type||Plan type||Policy term||Deductibles||Payment option||Insurance cover||Premium amount including tax|
|36 years||Individual||Gold Plan||2 years||Rs. 10 lakhs||Full payment||Rs. 15 lakhs||Rs. 4614|
|Rs. 20 lakhs||Rs. 5534|
|Rs. 25 lakhs||Rs. 6360|
General Exclusions of Star Super Surplus – Top-up Policy
Although this plan provides a cushion for your existing health insurance policy and offers a wide range of benefits and facilities, it does not compensate for some exclusions. To avoid complications in the future, it is critical to be aware of the plan’s exclusions when purchasing insurance. For your convenience, the following is a list of Star Super Surplus – Top-up Policy’s general exclusions:
- If there are any illnesses or injuries brought on by war, similar conflicts, riots, public outrage, civil war, biological war, etc., That is not covered by this policy.
- The policy will not cover self-inflicted harm, suicide, or attempts at suicide.
- The insured person’s use of walkers or wheelchairs will be excluded from coverage for their associated costs.
- The policy will not cover any costs associated with weight loss or management treatments.
- The plan will not cover the costs of cosmetic surgery or plastic surgery, unless they are caused by an accident.
- If the insured person engages in risky or adventurous sports like paragliding, scuba diving, rock climbing, etc., That will not be covered by the business.
- This policy also does not cover costs related to treatments for gender transition and sexually transmitted diseases.
- The insured person will not be compensated for any unauthorized, illegal, or unrecognized treatment they receive.
- There will be no coverage for injuries that were caused by drinking, using illegal drugs, or any other intoxicating substance.
- Exclusions also apply to any treatment received prior to the start of the waiting period.
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The coverage features are just one aspect of the plan’s benefits. The following are some additional benefits that the plan provides at no additional cost: a hassle-free claim procedure, lifetime renewals that are guaranteed, cashless hospitalization in the listed network hospitals, tax benefits under Section 80D of the Income Tax Act of 1961, and a 15-day free look period from the date the policy is received
If you’re looking for a plan with more coverage than the basic plans offer, the Super Surplus Plan from Star Health is highly recommended. Contact one of the reputable online health insurance brokers to purchase this policy. This is due to the fact that making your purchase online not only helps you save time but also lowers the likelihood of miscommunication. Additionally, some brokers may even assist you with post-sale services, which will be advantageous.
Also check- Star Senior Citizens Red Carpet Health
Star Super Surplus Insurance Plan FAQ’S
What is Star Super Surplus policy?
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.
What is the PED waiting period in Super surplus gold?
Coverage for pre-existing diseases under the Super Surplus silver plan is 36 months, and specific treatments have 24 months waiting period. Coverage for pre-existing diseases under the Super Surplus gold plan is 12 months, and specific treatments have 12 months waiting period.
Can we claim health insurance immediately?
Almost all health insurance plans have an initial waiting period of one month or 30 days during which no claims are accepted, except for accidental cases.
Can we claim health insurance 2 times in a month?
You can claim any number of times in your health insurance policy as long as the sum insured is not exhausted. The sum insured in your policy is the maximum limit which can be utilised by you for claiming any number of times. There is no limit on the number of claims that can be made in your health insurance policy.