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Star Health Insurance Top-up & Super Top-up Plans

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Highlights
Claim Settlement Ratio85.47%
COVID-19 CoverYes
In-House Claim SettlementAvailable
Network Hospitals9,900+
Policies Sold37,34,365
RenewabilityLifelong

Top-up & Super Top-up of Star Health Insurance

Top-up health insurance works as a supplement to your primary health cover. It adds extra coverage to your existing health insurance policy. So if the sum insured amount of your health insurance policy is not enough to meet today’s medical costs, it is good to buy a top-up plan and increase coverage. A top-up policy works on the principle of the deductible. A deductible is a sum of money that the insured must pay out of pocket before the benefits of the policy can kick in. Deductibles are usually kept the same as they are with existing health insurance.

A top-up policy comes with a lower premium than a standard health insurance policy. It offers insurance for individuals as well as floaters. Super Surplus is a top-up plan from Star Health that comes in two varieties: Silver and Gold, each with its own set of benefits.

Star Health Super Surplus

Star Health Super Surplus is a premium to standard health insurance plans that provides much more coverage. Individuals between the ages of 18 and 65 are eligible to purchase the policy. When purchased on a floater basis, the policy can cover self, spouse, dependent children as well. The policy offers a higher sum insured at an affordable premium and hence is a preferred choice for many.

Star Health Super Surplus

Star Health Super Surplus is a top-up health insurance policy that offers much larger coverage than the standard health insurance plans. The policy can be purchased by individuals aged between 18 years and 65 years of age. When purchased on a floater basis, the policy can cover self, spouse, dependent children as well. The policy offers a higher sum insured at an affordable premium and hence is a preferred choice for many.

Key Benefits of Star Health Super Surplus

The Star Health Super Surplus brings a lot of benefits for the policyholders. The policy is available in two plans: Silver Plan and Gold Plan. Sum insured options for the Silver plan is Rs. 7 Lakh and Rs. 10 Lakh with a deductible limit of Rs. 3 Lakh. In addition, the sum insured options for the Gold plan starts from Rs. 5 Lakh, up to Rs. 25 Lakh with a defined limit of Rs. 3 Lakh, Rs. 5 Lakh and Rs. 10 Lakh. This policy covers:

  • Organ donor expenses
  • Daycare treatments
  • Ambulance charges
  • In-patient hospitalisation expenses
  • Pre-hospitalisation and post-hospitalisation expenses

Who Can Buy this Plan?

Any person aged between 18 years and 65 years can buy this plan. Under family floater, self, spouse, and dependent children from 91 days up to 25 years can be covered under this plan.

Waiting Period Under the Plan

Any disease/illness contracted within 30 days from the 1st inception of the policy is not covered, except in case of an accident. Waiting period for specified illness/disease under the Silver plan is 24 months and under the Gold plan is 12 months. Waiting period for pre-existing diseases under the Silver plan is 36 months and under Gold plan is 12 months.

Renewability of the Plan

This policy comes with lifelong renewals guaranteed option. It means Star Health gives you a guarantee that your health policy will be renewed, irrespective of your age or health conditions.

Exclusions Under the Plan

Star Health Super Surplus policy does not cover all healthcare expenses. Some exclusions under the policy are listed below:

  • Intentional self-injury
  • Congenital anomalies
  • Sexually transmitted diseases
  • Cosmetic or aesthetic treatments
  • Bariatric surgery and/or medical treatment

To learn more about Star Health Super Surplus policy, kindly refer to the policy wording or contact the customer care executives at InsuranceDekho.

Star Health Insurance Top Up List

    Name of PlanSum Insured
    Super SurplusMin: 91 Days; Max: 65 Years5 Lakh Get Quotes Now
    Star Hospital Cash Insurance PolicyMin: 91 days; Max: 65 years Get Quotes Now

    Key Features of Star Health Critical Illness Insurance Policy 

    Star Health critical insurance comes with certain features. Key features of the plan are as follows:

    • Portability option
    • Lifelong renewability
    • Cashless treatment
    • Discounts on premiums
    • In-house claim process

    The benefits of Star Health critical illness policy are manifold. With critical illness plans, you can not only avail good quality treatment but also get spared from shouldering the heavy financial burdens yourself during difficult times.

    Save Tax upto ₹75000*
    Under Section 80D

    *Tax benefits are subject to changes in Income Tax Act.

    Star Health Insurance Plan List

      Name of PlanSum Insured
      Star Novel Coronavirus (nCov) (COVID-19) InsuranceMin: 3 months; Max: 65 years Get Quotes Now
      Young Star Insurance PolicyMin: 91 days; Max: 40 years3 Lakh-1 Crore Get Quotes Now
      Star Care Micro InsuranceMin: 2 Years; Max: 65 Years1 Lakh Get Quotes Now
      Family DeliteMin: 5 Months; Max: 65 Years2 Lakh Get Quotes Now
      Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Get Quotes Now
      Corona Kavach PolicyMin: 1 Day, Max: 65 Years50,000 - 5 Lakh Get Quotes Now
      Corona Rakshak PolicyMin: 18 years; Max: 65 years50,000 - 2.5 lakh Get Quotes Now
      Outpatient Care Insurance PolicyMin: 31 day; Max: 50 years25 Thousand - 1 Lakh Get Quotes Now
      Star Micro Rural And Farmers Care PolicyMin: 12 months; Max: 65 years Get Quotes Now
      Criticare PlusMin 18 Years; Max: 65 Years2 Lakh Get Quotes Now
      Star ComprehensiveMin: 3 Months; Max: 65 Years5 Lakh Get Quotes Now
      Red CarpetMini: 60 Years; Max 75 Years1 Lakh Get Quotes Now
      Diabetes SafeMin: 18 Years; Max: 65 Years3 Lakh Get Quotes Now
      Cardiac CareMin: 10 Years; Max 65 Years3 Lakh Get Quotes Now
      Medi Classic Insurance PolicyMin: 5 Months; Max: 65 Years2 Lakh Get Quotes Now
      Cancer Care Gold Min: 5 Months; Max: 65 Years3 Lakh Get Quotes Now
      Star Health GainMin: 91 Days; Max: 65 Years1 Lakh Get Quotes Now
      Special Care Min: 3 Years; Max: 25 Years3 Lakh Get Quotes Now
      Family Health OptimaMin: 16 Days; Max: 65 Years3 Lakh Get Quotes Now

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      Disclaimer : Actual Premium might vary basis your location, age and number of members

      Star Health Insurance User Reviews

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      What users are saying
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      • Price
      • Helpful
      • Network Hospitals
      • Claim
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      • Premium
      • Top up
      • Critical Illness
      • A good health cover

          It had been a long that I was looking for a good and helpful health insurance plan that could meet all...

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        Star
        By Anika Gumber
        On: Mar 17, 2023
      • Customer Care Support

        The customer care at the Insurance Dekho website provides one of the best support to their customers. This i c...

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        Star
        By Amar SIngh
        On: Mar 02, 2023
      • Happy to help customer care ex...

        As I wanted to buy a health plan I checked InsuranceDekho, after seeing so many options and a huge variety of ...

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        Star
        By Dimple Kaur
        On: Feb 23, 2023
      • Multiple plan options

        I was looking for a good health insurance policy when I landed on InsuranceDekho’s website. They have so...

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        Star
        By Rahul Bajaj
        On: Feb 10, 2023
      • Great experience

        I thank the entire team at InsuranceDekho for helping me buy the Star Health Insurance Cash Plan conveniently....

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        Star
        By Lakshika Singhania
        On: Feb 03, 2023
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      Star Health Insurance Contact Details

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      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.

      1506 Star Cashless Network Hospitals in India

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