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

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.