Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Track & Policy DownloadLogin

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

A top-up plan is used by customers who need more coverage for medical expenses. However, this plan doesn't kick in until the initial set deductible has been paid in full. Each plan has a different deductible amount. It is not necessary to have a base policy to purchase a top-up; however, if you do not have a base policy to assist you with your medical expenditures, you will have to pay the costs up to the deductible amount out of your pocket to activate your top-up plan.

Star Surplus Health Insurance Plan is a super top-up plan that comes with extra security and safety for a customer's money from Star Health. A consumer can receive additional coverage for their medical bills with a super top-up plan.[1]

Health Insurance Calculator

Whom do you want the insurance for ?


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

Star Health Insurance Plan List

  • Individual (19)
  • Family (16)
  • Woman (24)
  • Senior Citizen (17)
  • Parents (9)
  • Blood Pressure (24)
  • Kids (9)
  • Thyroid (24)
  • Diabetes (24)
  • Heart (4)
  • Maternity (6)
  • Cancer (2)
See More Plans

Benefits of Star Health Top-up Plans

The advantages that come with purchasing a Top-Up Plan are as follows:[1]

  • Installment Option: Policyholders of Star Health Insurance have the option of paying their premiums in installments, either quarterly or half-yearly. With this option, policyholders can pay as convenient for them, giving the plan more flexibility.
  • Long-Term Discount: The Star Health Insurance Top-Up plan offers a 5% discount, policyholders are advised to choose a two-year insurance tenure. With the help of a top-up now people can get affordable and premium medical coverage.
  • Cost Effectiveness: A top-up plan with lower premiums and better coverage is more economical than a basic plan with a higher sum insured. It gives you the most advantages and aids in your savings.
  • Additional Security: A top-up policy will support you during those difficult financial times when basic coverage may not be enough. If you have long-term medical conditions that exceed your sum covered, you may be able to cross a specific deductible amount and receive coverage through a top-up.
  • Protection for Savings: A person puts a lot of effort into earning and saving money. Health insurance can secure these savings, and a top-up can further protect it. The premium for a top-up plan is less than that of a standard health insurance policy.
  • Flexible Plan: Customers can add up to seven members to their family floater plan (i.e., 2A, 2A+1C, 2A+2C, 2A+3C, 1A+1C, 1A+2C, 1A+3C) with Star Health Insurance, making it an extremely flexible plan.

Eligibility For Buying a Top-Up Plan

The eligibility criteria for a Top-Up may vary with the insurer and the chosen health plans. However, Star Health Insurance offers a top-up to adults aged between 18 to 65 years old. A benefit of this plan is that the customer does not require any pre-screening and pre-medical check-ups. Star Health's Top-Up plan also provides lifelong renewability to its policyholders.

The child must be between the ages of 91 days and 25 years old to be eligible for the family floater plan.[1]

Types of Top-Up Plans Offered By Star Health

Top-Up and Super Top-Up plans are the two types of top-up plans that are offered.

Once the deductible has been met during a hospital stay, the Top-Up Plan only pays out on one claim per insurance year. A Super Top-Up plan, on the other hand, pays several claims throughout a policy year once the deductible has been satisfied.

Star Health offers super top-up plans to customers, such as the Star Surplus Plan.

Star Surplus Top-Up Plan

The following are a few of the Star Surplus Plan's inclusions and exclusions:[2][3]



Pre and Post Hospitalisation

Pre-existing Diseases (till the waiting period is over)

Modern Treatment


Emergency Ambulance Charges

Change of Gender Treatments

Air Ambulance

Adventure Sports

Organ Donor Expenses

Breach of Law

Recharge Benefits

Unproven Treatments

Wellness Service

Infertility or Sterility

Deductible Waiver

Cosmetic Surgery

Lifelong Renewability

Excluded Providers

Delivery Expenses

Tax Save
Save Tax upto ₹75000*
Under Section 80D

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

Star Health Insurance Plan List

  • Individual (4)
  • Family (5)
  • Kids (2)
  • Parents (1)
  • Maternity (1)
  • Woman (1)
  • Senior Citizen (1)
  • Diabetes (1)
  • Cardiac (1)
  • Cancer (1)
  • Autism (1)
  • HIV (1)
  • Critical Illness (1)
Name of PlanSum Insured
Smart Health Pro Check Premium
Women Care Check Premium
Premiere Check Premium
Assure Check Premium
Young Star Insurance PolicyMin: 91 days; Max: 40 years3 Lakh-1 Crore Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Check Premium
Corona Kavach PolicyMin: 1 Day, Max: 65 Years50,000 - 5 Lakh Check Premium
Corona Rakshak PolicyMin: 18 years; Max: 65 years50,000 - 2.5 lakh Check Premium
Outpatient Care Insurance PolicyMin: 31 day; Max: 50 years25 Thousand - 1 Lakh Check Premium
Star Micro Rural And Farmers Care PolicyMin: 12 months; Max: 65 years Check Premium
Star Novel Coronavirus (nCov) (COVID-19) InsuranceMin: 3 months; Max: 65 years Check Premium
Family DeliteMin: 5 Months; Max: 65 Years2 Lakh Check Premium
Star Care Micro InsuranceMin: 2 Years; Max: 65 Years1 Lakh Check Premium
Star ComprehensiveMin: 3 Months; Max: 65 Years5 Lakh Check Premium
Red CarpetMini: 60 Years; Max 75 Years1 Lakh Check Premium
Diabetes SafeMin: 18 Years; Max: 65 Years3 Lakh Check Premium
Cardiac CareMin: 10 Years; Max 65 Years3 Lakh Check Premium
Medi Classic Insurance PolicyMin: 5 Months; Max: 65 Years2 Lakh Check Premium
Cancer Care Gold Min: 5 Months; Max: 65 Years3 Lakh Check Premium
Star Health GainMin: 91 Days; Max: 65 Years1 Lakh Check Premium
Special Care Min: 3 Years; Max: 25 Years3 Lakh Check Premium
Criticare PlusMin 18 Years; Max: 65 Years2 Lakh Check Premium
Family Health OptimaMin: 16 Days; Max: 65 Years3 Lakh Check Premium

Factors to Consider While Choosing a Top-Up Plan

The following are factors to think about when purchasing a Top-Up Plan:

  • Sufficient Benefit: When choosing a top-up plan, it's important to take into account whether the advantages will satisfy the needs of the consumer. If an insurer's plan does not fully satisfy your demands, there is no use in paying a premium. It's critical to identify your needs and then create the ideal plan for you. It is essential to confirm that the top-up plan addresses all of your needs and worries.
  • Deductible: The deductible amount is the most crucial factor to consider when buying a top-up plan because it will only activate when the deductible amount is reached. When they notice that the premium decreases with increasing deductible, most customers only consider top-up insurance. Nevertheless, selecting a deductible is essential and should be done in accordance with the customer's base policy, medical requirements, or budget.
  • Coverage: The coverage of each plan varies based on several factors. If customers are concerned about issues other than the age restriction on individual and family floater plans, they can purchase a senior citizen plan, an individual plan if they are single, and a family floater plan if they are married. A customer's needs and medical conditions may influence the plan that they choose.
  • Coverage of Pre-existing Diseases: Pre-existing conditions may not always be covered by a base policy, which can be quite expensive without assistance. A top-up gives you that assistance. On the other hand, pre-existing disease coverage requires renewal or has a waiting time.
  • Sub-Limits: For the customer, lower sub-limits are preferable. Numerous plans have other sub-limits, including co-payments, lodging costs, physician fees, etc., which might be expensive for an individual to pay out of pocket. It is important to comprehend the plan and its sub-limits when purchasing it. Always take into account top-up plans with finite sub-limits.

How to Buy a Star Health Top-up Plan with InsuranceDekho

Offline Process: Speak with an InsuranceDekho expert to obtain a Star Surplus plan. To make things simple for consumers, InsuranceDekho offers in-house support, where an advisor will come to the customer's home and go over the plan and procedure.

How to Renew Your Top-Up Plan

Follow the following steps to renew your Top-Up plan which are mentioned below:

Step 1: Visit the InsuranceDekho website. [4]

Step 2: Select the "Support" tab.

Step 3: Enter your cell phone number to get an OTP.

Step 4: Access your Star Surplus page by logging in with the OTP you received.

Step 5: Choose the "renew" option to begin the renewal procedure.

Step 6: Finish the payment and complete the renewal procedure

Note: The official Star Health website also allows you to renew the top-up plan.

Contact Information

24X7 Support Email: [5]

Helpline number: 7551196989


Ques 1. Which is preferable, super top-up or top-up?

Ans: The premium for a top-up plan is less than that of a super top-up plan. The super top-up plan offers more coverage than the top-up plan, though. Thus, the requirements of a customer may influence the selection of a particular top plan.

Ques 2. For a super top-up plan, how long is the waiting period?

Ans: A policyholder can obtain coverage under a super top-up plan after a 30-day waiting period.

Ques 3. Why do top-up plans have lower costs?

Ans: Top-up plans are less expensive because the deductible is charged on each claim the policyholder makes

Ques 4. Is it possible to acquire a super top-up without a basic policy?

Ans:- It is possible to purchase a super top-up without a basic policy. Having a base health insurance policy, however, is preferable because it pays the full sum up until the deductible is reached. You will have to pay the whole sum out of pocket until you reach your super top-up policy's deductible if you don't have a basic policy.

Ques 5. What does a top-up plan's deductible mean?

Ans: The amount that you have to pay for medical bills out of pocket or via your base coverage is known as your deductible. The coverage of the top-up plan doesn't start until that deductible has been met.

Ques 6. What distinguishes a top-up plan from a basic plan?

Ans: In base insurance, the insurer pays for claims up to the insured amount. In a top-up policy, the customer receives additional coverage after reaching a limit or the deductible amount.

Ques 7. How old can you get a super top-up plan?

Ans: The plan is available for purchase as a family floater insurance or an individual policy. The age range for members other than the policyholder under the family floater is 91 days old to 65 years, while it is 18 to 65 years under the individual insurance.

Ques 8. Can you port a super top-up for us?

Ans: Absolutely, a super top-up plan is portable. You are only able to transfer between insurance of the same type and category, though.

Ques 9. What drawbacks may a top-up plan have?

Ans: A few drawbacks of a super top-up plan include more complicated claim settlement than with a standard policy; exclusion from coverage for routine health check-ups under super top-up plans; and potential financial hardship for consumers without a base policy.

Ques 10. Are top-up and super top-up plans available for purchase?

Ans: If one of your policies has a low deductible, you may purchase both top-up and super top-up plans to assist you in getting coverage on a claim.







Health Insurance News

User Reviews

Write your review
What users are saying
  • All
  • Price
  • Helpful
  • Network Hospitals
  • Claim
  • Renew
  • Premium
  • Top up
  • Critical Illness
  • Easy selection process

    Selecting Star Health Insurance became much easier thanks to InsuranceDekho. I quickly discovered the ideal solution for my needs after receiving professional help from their knowledgeable team. The platform was intuitive, making the comparison of plans straightforward. I highly recommend their services to anyone seeking reliable health insurance.

    By Nahar Singh
    On: Jun 19, 2024
  • Great customer service

    Star Health Insurance gave me the piece of mind I needed with their great customer service and wide range of coverage options. Their dedication to ensuring client happiness pleased me. Choosing Star via InsuranceDekho was a wise choice. I could quickly evaluate their offers against those of other top insurers to make sure my family and I had the greatest available coverage.

    By Komal Yadav
    On: Jun 12, 2024
  • Great Customer Support

    Got my Star Health Insurance policy hassle-free. InsuranceDekho’s customer service was patient in explaining everything. Affordable options too! They made my journey towards a protected future easier.

    By Anirudh Verma
    On: Jun 06, 2024
  • Easy Process

    InsuranceDekho made it easy to find health insurance with Star Health! Their platform simplifies the complex world of insurance by providing Star Health's plans in plain English. The comparison tool allowed me to see exactly what each plan included and how much it would cost me. Furthermore, their customer service was excellent, walking me through the procedure seamlessly.

    By Shweta Saxena
    On: Jun 05, 2024
  • Simple processes

    Insurancedekho's app is a lifesaver! I can check my policy details, and renewals, and even make claims on the go. So convenient! Making a claim and renewing my Star health insurance was easier than ever.

    By Sonam Chadda
    On: May 30, 2024

Network Hospital in Popular Cities

CityNo of Hospital
New Delhi178
View All