Super Surplus Insurance Policy

Highlights

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.

Flexible policy basis
This policy can be taken on both Individual and Floater basis.

Maternity cover
Maternity Expenses covered up to specified limits

Air ambulance cover
Air Ambulance facility covered up to 10% of the sum insured

Organ Donor Expenses
Organ Donor Expenses covered

Super Surplus Insurance Policy (Individual Basis)

Silver Plan

Sum Insured on Individual

In-Patient Hospitalization Expenses: Room, Boarding and Nursing expenses subject to a maximum of Rs.4,000/- per day. In-Patient
Hospitalization Expenses : Room (Single Standard A/C Room), Boarding and Nursing expenses

Surgeon's fees, Consultant's fees, Anesthetist's and Specialist's fees.

Anesthesia, Blood, Oxygen, and Operation Theatre charges, Cost of Pacemakers. Anesthesia, Blood, Oxygen, and Operation Theatre charges, Surgical Appliances, Medicines and Drugs, Diagnostic Materials, X-ray and Cost of Pacemakers.

Pre and Post Hospitalization 30 days and 60 days

Pre-Existing Diseases / Illness: Covered after 36 months of continuous Insurance without break with any Non Life Indian Insurance Company.

Waiting period for Specific diseases 24 months

Deductible applied for each and every claim

Coverage for Modern treatment : Up to the limits mentioned in the policy

Long term and Instalment Facility is available

Gold Plan

Sum Insured on Individual Basis

In-Patient Hospitalization Expenses : Room (Single Private A/C Room), Boarding and Nursing expenses

Surgeon's fees, Consultant's fees, Anesthetist's and Specialist's fees.

Anesthesia, Blood, Oxygen, ICU Charges and Operation Theatre charges, Surgical Appliances, Medicines and Drugs, Diagnostic Materials, X-ray and Cost of Pacemakers.

Pre and Post Hospitalization - 60 days and 90days.

Pre Existing Diseases: Covered after 12 months of continuous coverage without break with Insurer

Waiting period for Specific diseases - 12 months

The Proposer can opt at the beginning of 6th year before renewal of this policy or later during any successive renewal , for an Indemnity Health Insurance policy without defined limit offered by the Company with continuity of benefits for the average sum insured of immediately preceding 5 years period subject to the following :-
All the Insured Persons are insured with the Company under this policy before the age of 50 years and have been continuously renewed without any break
No claim has been made during the immediately preceding 5 years.
The proposer should exercise this option for all the insured persons.
This policy shall not be further renewed if the option is exercised.

Delivery Expenses: Expenses for a Delivery including Delivery by Caesarean section (including pre-natal, post-natal expenses and lawful medical termination of pregnancy) up-to Rs.50,000/- per policy period, subject to a maximum of 2 deliveries in the entire life time of the insured person are payable while the policy is in force.

Organ Donor Expenses for organ transplantation where the insured person is the recipient are payable provided the claim for transplantation is payable and subject to the availability of the sum insured. Donor screening expenses and post-donation complications of the donor are not payable.

Recharge Benefit : If the sum insured under the policy is exhausted/ exceeded during the policy period, additional indemnity up to the limits stated in the policy would be provided once for the remaining policy period.

Emergency ambulance charges for transporting the insured patient to the hospital up to Rs.3,000/- per policy period

Air Ambulance cover: Up to 10% of the sum insured per policy period for Sum Insured of Rs.7 lacs and above.

Facility of obtaining E-Medical opinion

Coverage for Modern Treatment up to limits mentioned in the policy

Wellness service

Long term and Installment Facility is available

Star Super Surplus (Floater ) Insurance Policy (Family Floater Basis)
Silver Plan

Sum Insured on Floater Basis

In-Patient Hospitalization Expenses: Room, Boarding and Nursing expenses subject to a maximum of Rs.4,000/- per day.

Surgeon's fees, Consultant's fees, Anesthetist's and Specialist's fees.

Anesthesia, Blood, Oxygen, and Operation Theatre charges, Cost of Pacemakers.

Pre and Post Hospitalization 30 days and 60 days

Pre-Existing Diseases / Illness: Covered after 36 months of continuous Insurance without break with any Non Life Indian Insurance Company.

Waiting period for Specific diseases 24 months

Deductible applied for each and every claim

Coverage for Modern treatment : Up to the limits mentioned in the policy

Long term and Instalment facility is available

Gold Plan

Sum Insured on Floater Basis

In-Patient Hospitalization Expenses : Room (Single Private A/C Room), Boarding and Nursing expenses

Surgeon's fees, Consultant's fees, Anesthetist's and Specialist's fees.

Anesthesia, Blood, Oxygen, ICU Charges and Operation Theatre charges, Surgical Appliances, Medicines and Drugs, Diagnostic Materials, X-ray and Cost of Pacemakers.

Pre and Post Hospitalization - 60 days and 90days.

Pre Existing Diseases: Covered after 12 months of continuous coverage without break with Insurer.

Waiting period for Specific diseases - 12 months

The Proposer can opt at the beginning of 6th year before renewal of this policy or later during any successive renewal , for an Indemnity Health Insurance policy without defined limit offered by the Company with continuity of benefits for the average sum insured of immediately preceding 5 years period subject to the following :-
All the Insured Persons are insured with the Company under this policy before the age of 50 years and have been continuously renewed without any break
No claim has been made during the immediately preceding 5 years.
The proposer should exercise this option for all the insured persons.
This policy shall not be further renewed if the option is exercised

Delivery Expenses: Expenses for a Delivery including Delivery by Cesarean section (including pre-natal, post-natal expenses and lawful medical termination of pregnancy) up-to Rs.50,000/- per policy period, subject to a maximum of 2 deliveries in the entire life time of the insured person are payable while the policy is in force.

Organ Donor Expenses for organ transplantation where the insured person is the recipient are payable provided the claim for transplantation is payable and subject to the availability of the sum insured. Donor screening expenses and post-donation complications of the donor are not payable.

Recharge Benefit : If the sum insured under the policy is exhausted/ exceeded during the policy period, additional indemnity up to the limits stated in the policy would be provided once for the remaining policy period.

Emergency ambulance charges for transporting the insured patient to the hospital up to Rs.3,000/- per hospitalization

Air Ambulance cover: Up to 10% of the sum insured per policy period for Sum Insured of Rs.10 lacs and above.

Facility of obtaining E-Medical opinion

Coverage for Modern Treatment up to limits mentioned in the policy

Wellness service

Long term and Instalment facility is available

Eligibility
Any person aged between 18 years and 65 years can take this insurance.
Children can be covered from 91 days to 25 yrs. Children can be covered only along with parents.
No exit age, Life Long renewals

General Terms
No pre-acceptance medical screening.
Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.
A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions (Not Applicable for Renewals).

Star Advantages
No Third Party Administrator direct in-house claims settlement
Faster and hassle-free claim settlement
Network of more than 10200+ hospitals across India