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Star Super Surplus Health Insurance

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Star Health Insurance
Super Surplus
Cashless Approval TAT90% Cashless claim settlement within 2 hrs
Claim Settlement Ratio89.90%
Network Hospitals14,000+
Pre-existing Disease Waiting Period1 year
Special BenefitsNo Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs SIRs. 410/month

About Star Super Surplus Health Insurance

The Star Super Surplus policy offered by Star Health Insurance provides extensive health coverage to ensure that your loved ones are covered. It offers adequate financial assistance at the time of medical emergencies. The policy is available on an individual and floater basis and is open for individuals between the ages of 18 and 65 years, however, the eligibility criteria for dependant children varies. Read on to learn more about the Star Super Surplus Health Insurance plan.

Key Features of Star Super Surplus Health Insurance

Some of the key features of the Star Super Surplus Health Insurance that you should know about are as follows:

  • Types: The plan comes in Silver and Gold plan with 1-year policy term and guaranteed lifelong renewal. The coverage offered under the Gold and Silver variant differs, thus depending on your requirements, you should choose the variant that best suits your needs.
  • Policy Term: The policy term of the Star Super Surplus Health Insurance plan can be either 1 year or 2 years.
  • Lifelong Renewals: The Star Super Surplus Health Insurance plan offers lifelong renewals. This means that you can renew it for a lifetime and even get discounts.
  • No pre-medical screening: The best part about buying the Star Super Surplus Health Insurance plan is that there is no pre-medical screening required. You can easily buy this plan without going through any medical tests.
  • Coverage: The major offerings under the scheme comprise 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.

Eligibility Criteria of Star Super Surplus Health Insurance Plan

Listed below are the eligibility criteria for buying the Star Super Surplus Health Insurance plan:

Parametres

Eligibility Criteria

Minimum entry age for adults

18 years

Maximum entry age for adults

65 years

Minimum entry age for child

91 days

Maximum entry age for child

25 years

Policy year

1 or 2 year

Benefits of Buying Star Super Surplus Health Insurance Plan

The Star Super Surplus Health Insurance Plan has a lot of benefits to offer, some of which have been listed below:

  • Top-up Policy: The Star Super Surplus Health Insurance Plan is a top-up policy that can be opted with any of your existing plans. As a top-up plan, you will get an additional sum insured at affordable premiums.
  • Long-term Discount: With the Star Super Surplus Health Insurance Plan, you will be eligible to save on health insurance premiums with discounts. Those who opt for this policy for 2 years can get long-term discounts and save up to 5% on health insurance premiums.
  • Instalment Options: There are often times when you cannot pay the entire health insurance premium in one go. Thus, to ease this, policyholders can pay the premium for Star Super Surplus Health Insurance Plan in installments. The premiums can be paid on a quarterly or half-yearly basis.
  • Flexible Policy: The Star Super Surplus Health Insurance Plan can be opted as a floater or individual policy. Under the family floater plan, you can get coverage for up to 7 members.
  • Sum Insured: While buying the Star Super Surplus Health Insurance Plan with a silver variant, you can choose a sum insured of either Rs. 7 lakhs or Rs. 10 lakhs. On the other hand, with the gold variant, you can choose a sum insured ranging between Rs. 5 lakhs - Rs. 100 lakhs. So, depending on your budget, choose the right sum insured for yourself and your loved ones.
  • Medical Expenses Coverage: The Silver variant of the Star Super Surplus Health Insurance Plan offers coverage for pre and post hospitalisation expenses, modern treatments, hospitalisation cover, etc. The Gold variant also provides coverage for most of the expenses, along with coverage for delivery expenses, organ donor expenses, and recharge benefits.

Variants Available with Star Super Surplus Health Insurance Plan

The Star Super Surplus Health Insurance Plan offers policyholders the flexibility to choose between either the Gold or Silver variant. Here is a table that will help you understand the differences between the Gold and Silver variants:

Features

Silver

Gold

Hospitalisation cover

Up to Rs. 4000/day

Boarding, Nursing expenses, and other hospitalisation expenses

Pre-hospitalisation expenses

Up to 30 days

Up to 60 days

Post-hospitalisation expenses

Up to 60 days

Up to 90 days

Modern treatment coverage

Yes

Yes

Emergency ambulance

Not covered

Covered up to Rs. 3000 per policy period

Air ambulance

Not covered

Air ambulance coverage is 10% of SI

Delivery expenses

Not covered

Up to Rs. 50,000 per policy period

Waiver of deductible add-on

Not available

Available

Riders Available with the Star Super Surplus Health Insurance Plan

To enhance the benefits of the Star Super Surplus Health Insurance Plan even more, you can include the following riders in your plan:

  • Waiver of deductible: The Waiver of Deductible add-on is available only with the Gold variant. With this add-on, you can get the deductible removed from your health insurance plan.
  • Personal Accidental Waiver: This rider helps in providing financial compensation if the policyholder meets an accident.
  • Critical Illness Rider: The critical illness rider provides financial assistance in case the policyholder is diagnosed with any kind of critical illness.

Inclusions and Exclusions of Star Super Surplus Health Insurance Plan

Inclusions under Silver:

  • In-hospitalisation expenses - Up to maximum 4000/day
  • Pre-hospitalisation - Up to 30 days
  • Post-hospitalisation: Up to 60 days after hospitalisation
  • Modern treatment coverage: Coverage for modern-day treatment is covered up to the sub-limits mentioned on the policy document

Inclusions under Gold:

  • In-hospitalisation expenses: Expenses for Single Private AC room, boarding, and nursing expenses, surgeon’s fee, etc
  • Pre-hospitalisation expenses: Up to 60 days prior to hospitalisation
  • Post-hospitalisation expenses: Up to 90 days after hospitalisation
  • Modern treatment coverage
  • Emergency ambulance coverage: Up to Rs. 3000/policy period
  • Air ambulance coverage: Up to 10% of SI

Exclusions:

  • Any unrelated expenses
  • Obesity or weight-related treatment
  • Change of gender treatment
  • Cosmetic surgery
  • Change of gender treatment
  • Any injury due to involvement in adventurous activities

Documents Required to Buy Star Super Surplus Health Insurance Plan

Some of the documents essential to buy the Star Super Surplus Health Insurance Plan are as follows:

  • A duly-filled application form
  • Aadhaar card
  • PAN card
  • Bank account details
  • Details of pre-existing medical conditions
  • Previous medical insurance details
  • Nominee details

How to Buy Star Super Surplus Health Insurance Plan?

Listed below are the steps in which you can buy the Star Super Surplus Health Insurance Plan:

  • Visit the “Health Insurance” section on the official InsuranceDekho website.
  • Choose "Star Health Insurance" from the list of health insurance companies.
  • Then, select "Star Super Surplus Health Insurance" from the available health insurance plans.
  • Read the policy documents carefully
  • Upload all the necessary documents to complete the KYC process
  • After finishing the KYC process, pay the premium online
  • Finally, you will receive the policy document in your registered email

Claim Process of Star Super Surplus Health Insurance Plan

There are two types of claims you can raise with the Star Super Surplus Health Insurance plan, cashless claims, and reimbursement claim. The claim process for both cashless and reimbursement varies as under cashless, your bills will be directly settled at the network hospital. On the other hand, in a reimbursement claim, the bills will be later reimbursed by the insurance company.

Cashless Claim Process

  • Visit any network hospital that is tied-up with Star Health Insurance
  • Fill out the pre-authorisation form and submit all the documents at the hospital
  • The claim request and documents will be sent to Star Health for verification
  • Once all the documents have been verified, your claims will be directly settled by Star Health

Reimbursement Claim Process

  • In reimbursement claim, you can get hospitalisated at any network or any non-network hospital
  • Inform the insurance company about the hospitalisation and get started with the treatment
  • Next, fill out the claim form on the website of Star Health
  • Submit the claim form along with the documents to Star Health
  • Star Health will verify all the documents and later will reimburse the total medical expenses

Health Insurance Calculator

Whom do you want the insurance for ?

You
Couple
Family
Father
Mother

Select the age of all members

  • You

Where do you live ?

Choose required Coverage for yourself?

5 Lac
10 Lac
25 Lac
Disclaimer : Actual Premium might vary basis your location, age and number of members
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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

9625 Star Cashless Network Hospitals in India

Super Surplus User Reviews

Write your review
What users are saying
  • All
  • Understood significance of hea...

    I did not know the significance of a health top-up plan until I visited InsuranceDekho. I got to know how top-up health insurance plans deliver additional protection cover to already existing health plans. I am a policyholder of Star Health Insurance’s Super Surplus health plan.

    A
    By Anushka Duggar
    On: Mar 01, 2021
  • Information on health top-ups

    I wanted to know what is so special about a health insurance top-up plan. I started perusing the website of InsuranceDekho and came to know about Star Health Insurance’s top-up plan named Super Surplus. I read the policy details. The policy was self-descriptive. I could clearly see the positives of getting a health top-up.

    T
    By Tandrima Basak
    On: Feb 25, 2021
  • Easy health plan comparison po...

    I like to compare and research well before investing in an insurance policy. Thanks to InsuranceDekho’s premium calculator, comparing health plans was easy. After a thorough comparison, I bought Star Health Insurance’s Super Surplus Insurance Policy. I will be forever grateful to the team.

    P
    By Pulama Chakrabarty
    On: Feb 18, 2021
  • Amazing customer support

    Very impressed with the service from the customer team of insurancedekho. I visited the website to get some information on available top-ups for my Star Health Insurance’s Super Surplus Health Insurance plan. The support team gave me detailed information on the plan before purchasing.

    A
    By Arunodoy Mukherjee
    On: Dec 14, 2020
  • Great additional coverage

    Super surplus is a great top-up plan that I have for a sum insured of Rs. 25 Lakh. The best part about this plan is that it covers me for air ambulance expenses for up to 10% of the sum insured. Apart from this, all daycare procedures and organ donor cover is included.    

    R
    By Rukhsana
    On: Feb 20, 2020

Star Super Surplus Expert Review

  • 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.

  • 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)
  • 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
  • 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.

Star Super Surplus Brochure

  • 266.96 KB
  • PDF Document
  • Apr 18, 2019

Claim Process at Star Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Super Surplus Health Insurance Plan

  • 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.

  • Does Super Surplus Insurance Policy come with lifelong renewal feature?

    Yes, the policy offers guaranteed lifelong renewal facility.

  • 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.

  • 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.

  • 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.

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