Star Super Surplus Health Insurance

Claim Settlement Ratio | 90% |
COVID-19 Cover | Yes |
In-House Claim Settlement | Available |
Network Hospitals | 14,000+ |
Policies Sold | 37,34,365 |
Renewability | Lifelong |
About Star Super Surplus Health Insurance
The Super Surplus Insurance Policy provides coverage that is much larger than the ones offered by the basic plans. It offers abundance of financial assistance at the time of medical emergencies. The policy is available on an individual and floater basis and is open for the individuals between the age of 18 and 65 years.
The plan comes in Silver and Gold plan with 1-year policy term and guaranteed lifelong renewal. The major offerings under the scheme comprise of daycare procedures, inpatient hospitalisation, delivery charges, organ donor expenses, air ambulance cover, and so on. The extensive coverage makes this plan a complete and affordable package for anyone and everyone. It is a top-up plan that provides a higher sum insured at an affordable premium.
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Key Inclusions and Exclusions of the Plan
What's Included
- Cost of delivery for normal delivery as well as C-section up to Rs. 50,000
- Coverage for all daycare procedures are available
- Pre and post hospitalisation expenses for 30 and 60 days
- Air ambulance cover up to 10% of SI for above Rs. 10 Lakh SI
- Organ donor expenses are covered for organ transplantation
What's Not Included
- Injury or disease treatment occurred due to civil war, war like actions, etc.
- Weight loss procedures like bariatric surgery
- Charges for the treatment of injury caused due to self-inflicted actions like suicidal attempts
- Cost of treatment for sexually transmitted diseases exclude the coverage
- Untested, unconventional, unproven, and experimental treatments are excluded
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Star Super Surplus Expert Review
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Expert Review
Not always the ailments and related complications demand what we are prepared for. Sometimes we do require much more than the basic coverage plan that the traditional health insurance policies offer. To meet the need, Star Health brings you Super Surplus Plan that helps you to be prepared for the unfortunate of health eventualities. Good news is that Star Health’s Super Surplus Plan is a top-up health insurance policy that provides surplus protection at affordable pricing. This means that it provides a higher Sum Insured at a very affordable premium.
The plan comes in two variants-Silver Plan and Gold Plan that differs in coverage benefits, the sum insured options and defined limit or deductible limit. The customers mostly opt for the Gold variant not only because of the wide range of sum insured options (Rs. 5 Lakh to Rs. 25 Lakh in Gold and Rs. 7 Lakh to Rs. 10 Lakh in Silver), but because here the valid claim gets paid only when the aggregate of expenses under one or more hospitalisations exceeds the defined limit opted. Which is not the case in Silver Plan as there the amount payable is only more than the deductible opted for each and every hospitalisation. Also, there is no pre-medical acceptance screening required under any variant. Any person aged between 18 years to 65 years can purchase this insurance on an individual basis for a term of one year. And the best part is that you can cover children too if they are aged between 91 days to 25 years.
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Major Attractions
Super Surplus plan offers much larger coverage as compared to other regular plans. For instance, it provides cover for hospitalisation expense under both the variants-Gold and Silver, but with a limit of Rs. 4,000 under Silver variant. These expenses include room rent, boarding and nursing charges. Some other similar benefits provided under the plan are-
- The plan covers surgeon’s, consultant’s, anesthetist’s and specialist’s fees (Gold and Silver variants)
- Cover for organ donor expenses provided (Gold and Silver variants)
- Covers all the daycare procedures (Gold and Silver variants)
- Anesthesia, blood, oxygen, cost of pacemakers, operation theatre charges, drugs, etc. (Gold and Silver)
- Cover for pre-hospitalisation expenses up to 60 days from the date of admission to the hospital (Gold and Silver variants)
- Cover for post-hospitalisation expenses up to 90 days after the date of discharge from the hospital (Gold and Silver variants)
- HIV is covered under both the plans (Gold and Silver)
- Air ambulance cover provided up to 10% of the Sum Insured (Gold)
- Benefit of availing medical second opinion (Gold)
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What’s More?
The plan benefits do not end with the coverage features. Some other advantages that the plan brings along at no extra cost are listed below-
- Hassle-free claim procedure
- Lifelong renewals guaranteed under the plan
- Cashless hospitalisation in the listed network hospitals
- Tax benefits under Section 80D of the Income Tax Act 1961
- Free look period provided for 15 days from the date of receipt of the policy
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Conclusion
Star Health’s Super Surplus Plan is highly suggested for the individuals who are looking for a plan with wider coverage than the ones offered by the basic plans.
To buy this policy, get in touch with one of the trusted health insurance brokers online. This is because making an online purchase not only help you save time, but also reduce the chances of miscommunication. Also, some brokers might even help you with the after sales services which will be an added advantage.

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FAQs on Super Surplus Health Insurance Plan
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What is the amount of sum insured offered by the Super Surplus Insurance Policy?
The policy is divided into two parts i.e., Silver and Gold Plan. In these variants, the sum insured amount ranges from Rs. 5 Lakh to Rs. 25 Lakh.
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Does Super Surplus Insurance Policy come with lifelong renewal feature?
Yes, the policy offers guaranteed lifelong renewal facility.
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What is the entry eligibility for Super Surplus Health Insurance policy?
Any individual between the age of 18 to 65 years can purchase this policy.
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Does this plan cover the expenses related to organ donation?
Yes, coverage is available for the costs incurred on organ transplantation, provided the insured individual is the recipient.
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Are expenses related to delivery covered under this policy?
Yes, costs incurred pertaining to delivery comprising of delivery through Caesarean section, which includes pre and post-natal expenditure and procedures like abortion etc.
are covered up to Rs. 50,000 per policy year. The offer is subject to a maximum of 2 deliveries in the entire lifetime.