Super Surplus Insurance Policy, Top Up Health Insurance Plans (Individual, Floater)

11/11/22, 6:06 PM Super Surplus Insurance Policy, Top Up Health Insurance Plans (Individual, Floater)
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HIGHLIGHTS BENEFITS ELIGIBILITY GENERAL TERMS
Super Surplus Insurance Policy IRDAI UIN: SHAHLIP22035V062122

Star Super Surplus (Floater) Insurance Policy UIN:
SHAHLIP22034V062122
Below are the highlights for Gold Plan
Top-up at affordable premium

A Top up policy providing higher sum insured at a very affordable premium.
No pre-acceptance medical screening

No pre-acceptance medical screening required.
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Flexible policy basis

This policy can be taken on both Individual and Floater basis.
Maternity cover
Maternity Expenses covered upto specified limits
Air ambulance cover

Air Ambulance facility covered up to 10% of the sum insured
Organ Donor Expenses

Organ Donor Expenses covered
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Policy Term
Policy can be taken for 1 year or 2 years
Instalment Options
Instalment facility available
Wellness Program
Wellness services available
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Super Surplus Insurance Policy / Star Super

Surplus (Floater) Insurance Policy
“Insurance for Health is Wealth” has become a prominent term in our fast-pacing
world today. No matter how conscious we are with our mind and body, a health
emergency may come knocking at any point in life. You must ensure that you are
well-prepared for such circumstances.
A health insurance policy helps you to get timely treatment while facing an
illness/injury. Even if you have a health insurance policy cover. At times when
your medical bills take a huge spike, a sum insured of 5-10 lakhs might not be
sufficient. In such cases, a top-up health insurance plan works as a supplement
to your regular health insurance cover. This plan adds additional coverage to
your existing health insurance policy. In simple words, a top-up health insurance
plan offers additional protection after your existing policy has reached the
threshold limit.
Top-up Health Insurance Plan

The Super Surplus Insurance policy by Star Health is a top-up health insurance
plan providing up to one crore sum insured at an affordable premium. It comes
with broad protection than that of the other basic plans. The policy is available
for age group from three months to 65 years on both an individual and floater
basis.
The policy is available in options as Gold and Silver plans. The waiting period
under this policy is 12 months and 36 months, respectively. The policy terms are
of one year/2 years. On the policy purchase, a lifelong renewability option is
available.
Features of Super Surplus Health Insurance

Policy
S.No Subject Criteria
1. Eligibility 18-65 years

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S.No Subject Criteria
Dependent
2. 91 days to 25 years
children
3. Policy term 1 / 2 years
4. Plan options Silver / Gold plan
The Company Silver Sum insured Deductible limit

will pay in
excess of the 7 lakhs / 10
Individual 3 lakhs
deductible limit lakhs
on every claim
under Silver plan Floater 10 in lakhs 3 & 5 lakhs
5. The Company
Gold Sum insured Defined limit
will pay the
aggregate of all
claims amount
Individual
in excess of 5 / 10 / 15 /
3 / 5 /10 / 15 /
defined limit in 20 / 25 /50 /
20 /25 lakhs
the policy year 75/ 100 lakhs
Floater
under Gold plan
6. Product type Individual / Floater
Installment
7. Quarterly / Half-yearly
facility
5 percent discount only if the entire two-year premium

8. Discounts
is paid in advance
9. Renewals Life-long renewal option
Pre-insurance
10. medical Not required
screening
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Coverage under Super Surplus Insurance

Policy / Star Super Surplus (Floater)
Insurance Policy
The policy offers extensive coverage for both individual and floater under two
plan options namely Gold and Silver.
This benefit is elaborated as follows:
Individual Plan (Silver)
1. In-hospitalisation Expenses- Expenses such as room, boarding and nursing

expenses are subject to a maximum of Rs. 4000 per day. Other expenses
like surgeon’s fee, anaesthetist, medical practitioner, consultants, specialist
fee, blood, oxygen, ICU charges, operation theatre charges, medicines and
drugs, diagnostic materials and lab tests are also covered.
2. Pre-hospitalisation Expenses- Expenses incurred up to 30 days before
getting hospitalised are covered.
3. Post-hospitalisation Expenses- Expenses incurred up to 60 days after
discharge are covered.
4. Coverage for Modern Treatments - Modern/Advanced treatments are
covered under the policy for the specific illness up to the sub-limit
mentioned in the policy clause.
Individual Plan (Gold)
1. In-hospitalisation Expenses - Expenses like room (Single Private AC room),

boarding and nursing as provided by the hospital are covered. Other
expenses like surgeon’s fee, anaesthetist, medical practitioner, consultants,
specialist fee, blood, oxygen, ICU charges, operation theatre charges,
medicines and drugs, diagnostic materials and lab tests are also covered.
2. Pre-hospitalisation Expenses - Expenses incurred up to 60 days before
getting hospitalised is covered.
discharge is covered.
5. Emergency ambulance charges - Emergency ambulance charges up to Rs.
Three thousand per policy period for the transportation of the insured to
the hospital is applicable.
6. Air ambulance charges - Air ambulance expenses are covered up to 10
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percent of the sum insured per policy period (only applicable for sum
insured Rs. 700000 and above).
Floater Plan (Silver)
1. In-hospitalisation Expenses - Room, boarding and nursing expenses are

subject to a maximum of Rs. 4000 per day. Other expenses like surgeon’s
fee, anaesthetist, medical practitioner, consultants, specialist fee, blood,
oxygen, ICU charges, operation theatre charges, medicines and drugs,
diagnostic materials and lab tests are also covered.
2. Pre-hospitalisation Expenses- Expenses incurred up to 30 days before
getting hospitalised are covered.
discharge are covered.
Floater Plan (Gold)
1. In-hospitalisation Expenses - Expenses like room (Single Private AC room),

boarding and nursing as provided by the hospital are covered. Other
expenses like surgeon’s fee, anaesthetist, medical practitioner, consultants,
specialist fee, blood, oxygen, ICU charges, operation theatre charges,
medicines and drugs, diagnostic materials and lab tests are also covered.
2. Pre-hospitalisation Expenses - Expenses incurred up to 60 days before
getting hospitalised is covered.
discharge is covered.
5. Emergency ambulance charges - Emergency ambulance charges up to Rs.
Three thousand per policy period for the transportation of the insured to
the hospital is applicable.
6. Air ambulance charges - Air ambulance expenses are covered up to 10
percent of the sum insured per policy period (only applicable for sum
insured Rs. 1000000 and above).
Why should you buy a top-up health

insurance plan?
Health insurance specialist says the top-up plan is a must to have. For instance,
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the current pandemic has caused a major financial hardship during
hospitalisation. However, buying a top-up plan is much better than exceeding

your existing basic health insurance cover at a nominal cost. Top-up health
insurance plans are crafted with an idea to provide an additional cover in case
your existing policy gets exhausted.
What are the inclusions and exclusions of the

policy?
The Super Surplus insurance policy comes with certain inclusions (covered) and
exclusions (not covered). They are as follows:
Inclusions
1. The Super Surplus Gold plan offers coverage for maternity up to specified
limits.
2. Provides air ambulance cover for up to 10% of the sum insured for more
than Rs. 7 lakhs (individual) and 10 lakh (floater).
3. Coverage for organ donor expenses.
4. Coverage for inpatient hospitalisation expenses.
5. Pre- and post-hospitalisation expenses are also covered.
6. Cover for all day-care procedures or treatments (under gold plan).
7. Coverage for pre-existing diseases under the Super Surplus silver plan is
36 months, and specific treatments have 24 months waiting period.
8. Coverage for pre-existing diseases under the Super Surplus gold plan is 12
months, and specific treatments have 12 months waiting period.
Exclusions
The following is a partial listing of policy exclusions. A detailed list of all

exclusions is included in the policy document.
1. Any ailment/injury caused due to war, civil war, biological war, etc.
2. Self-intentional injuries like suicide attempts.
3. Costs of Walkers / Wheelchairs.
4. Expenses related to treatment for weight loss surgeries.
5. Cosmetic or plastic surgery expenses unless subjected to an accident.
6. Expenses related to injuries caused by hazardous sports or adventurous
activities.
7. Expenses related to change of gender treatments and sexually transmitted
diseases.
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What are the add-on benefits of the Super

Surplus policy?
1. Additional coverage
The Super Surplus Insurance policy acts as a top-up plan that offers
additional coverage when your basic health plan gets exhausted. The plan
comes with a higher sum insured at an affordable premium.
2. No pre-insurance medical screening
Generally, while purchasing a health insurance policy, a pre-medical

examination is requested by the insurer (health insurance company) before
the policy is provided to the person. The Super Surplus policy doesn’t
require any pre-insurance medical screening.
3. Free E-medical consultation
The exclusive feature “Talk to Star” offered by Star Health is a free

consultation line for customers all over India. You can get in touch with our
in-house doctors for a free medical consultation over the phone regarding
your health conditions.
4. Tax Benefits
Under Super Surplus, the premium paid by any mode other than cash is
eligible for tax benefit under Section 80D of the Income Tax Act 1961.
5. Free-look period
The policy offers a free-look period of 15 days from the date of receipt of
the policy. However, this feature is not applicable for portability, migration
and renewals.
How to register a claim for the Super Surplus Insurance plan?
Star Health offers hassle-free claim settlement for all its customers. There are
two ways through which you can file a claim at your convenience.
Frequently Asked Questions
What is the waiting period for the Super Surplus policy?

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The waiting period for pre-existing diseases under the Super Surplus
silver plan is 36 months, and for specific treatments, it is 24 months.
The waiting period for pre-existing diseases and specific treatments
under the Super Surplus gold plan is 12 months.
Can all health policies get top-up with this plan?
What is the entry age limit of this policy?
Will this plan cover pre-existing diseases?
Are there any pre-insurance medical screening required to get this plan?
What is the co-pay for this policy?
Can I get a top-up plan for my existing Covid Insurance policy?
Our Clients Love Us

Check what other persons are saying about our product. They are very happy with their
purchase
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I have special recommendation and appreciation for the Star Health team, who took special
efforts each time I called up and went out of the way to update me with details, at times, even
after his work hours. Status is an important aspect of any claim and they provided that to me.
MILIND K PHATERPEKAR
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Star Health and Allied Insurance Co Ltd

Registered Office: No 1, New Tank Street, Valluvarkottam High Road, Nungambakkam, Chennai 600034
IRDAI Registration No: 129 | CIN : L66010TN2005PLC056649 | Ph: 044-28288800 | Fax: 044-28260062 | Email:
info@starhealth.in | Website: www.starhealth.in

Toll Free Number -1800-425-2255 / 1800-102-4477 | Corporate Customers - 044 43664666
Address of IRDAI:
Insurance Regulatory And Development Authority Of India
Sy No. 115/1, Financial District, Nanakramguda, Gachibowli, Hyderabad – 500032 Website: https://www.irdai.gov.in
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IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest
premiums.
Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.
IRDAI does not announce any bonus.
Star Health and Allied Insurance Co Ltd, IRDA licensed stand-alone health insurer, hereby makes it clear to customers
and would be customers and those visiting this website, run officially by this company for its benefit and the interest of
its stakeholders, that there could be websites or entities running duplicate sites and offering for sale products belonging
to this company. The customers are warned to make enquiries and be satisfied before they close any transaction. This
company does not hold itself responsible for any transactions the customers may enter into with entities
misrepresenting themselves on behalf of Star Health and Allied Insurance Co Ltd. This insurer is ready and willing to
clarify any doubts that may arise to customers to be satisfied with the authenticity of the website and entity engaged
with by them so that they can enter into transactions only of the genuine kind to better protect their interests. This
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11/11/22, 6:06 PM Super Surplus Insurance Policy, Top Up Health Insurance Plans (Individual, Floater)

How can I help you?

Largest network of Hassle–free in-house

How can I help you?

Select your Insurance Cover

Please Choose your payment option

EMI Full Payment

BACK BUY NOW

How can I help you?

HIGHLIGHTS BENEFITS ELIGIBILITY GENERAL TERMS

Super Surplus Insurance Policy IRDAI UIN: SHAHLIP22035V062122

Below are the highlights for Gold Plan

Top-up at affordable premium

No pre-acceptance medical screening

How can I help you?

Flexible policy basis

Air ambulance cover

Organ Donor Expenses

How can I help you?

Super Surplus Insurance Policy / Star Super

Top-up Health Insurance Plan

Features of Super Surplus Health Insurance

S.No Subject Criteria

1. Eligibility 18-65 years

S.No Subject Criteria

3. Policy term 1 / 2 years

4. Plan options Silver / Gold plan

The Company Silver Sum insured Deductible limit

6. Product type Individual / Floater

5 percent discount only if the entire two-year premium

9. Renewals Life-long renewal option

How can I help you?

Coverage under Super Surplus Insurance

This benefit is elaborated as follows:

Individual Plan (Silver)

1. In-hospitalisation Expenses- Expenses such as room, boarding and nursing

Individual Plan (Gold)

1. In-hospitalisation Expenses - Expenses like room (Single Private AC room),

insured Rs. 700000 and above).

Floater Plan (Silver)

1. In-hospitalisation Expenses - Room, boarding and nursing expenses are

Floater Plan (Gold)

1. In-hospitalisation Expenses - Expenses like room (Single Private AC room),

Why should you buy a top-up health

hospitalisation. However, buying a top-up plan is much better than exceeding

What are the inclusions and exclusions of the

The following is a partial listing of policy exclusions. A detailed list of all

How can I help you?

What are the add-on benefits of the Super

2. No pre-insurance medical screening

Generally, while purchasing a health insurance policy, a pre-medical

3. Free E-medical consultation

The exclusive feature “Talk to Star” offered by Star Health is a free

How to register a claim for the Super Surplus Insurance plan?

Frequently Asked Questions

What is the waiting period for the Super Surplus policy?

Can all health policies get top-up with this plan?

What is the entry age limit of this policy?

Will this plan cover pre-existing diseases?

What is the co-pay for this policy?