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Super Surplus Insurance Policy

  •  A Top up policy providing higher sum insured at a very affordable premium.
  •  Pre-existing diseases covered after 36-months waiting period.
  •  No pre-acceptance medical screening required.
  •  This policy can be taken on Individual Basis and also on Floater basis.
  •  The policy offers two plans: Silver Plan and Gold Plan

Super Surplus Insurance Policy Unique Identification No IRDAI/HLT/SHAI/P-H/V.II/170/2016-17

Star Super Surplus (Floater) Insurance Policy - Unique Id IRDAI/HLT/SHAI/P-H/V.II/164/2016-17

Recharge Benefit

Super Surplus Insurance Policy (Unique Id : IRDAI/HLT/SHAI/PH/V.II/170/2016-17) (Individual Basis)
Silver Plan
Gold Plan
  • Sum Insured on Individual 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.
  • Anaesthesia, Blood, Oxygen, and Operation Theatre charges, Cost of Pacemakers.
  • Pre and Post Hospitalization – 30 days and 60days.
  • Pre-Existing Diseases / Illness: Covered after 36 months of continuous Insurance without break with any Non-Life Indian Insurance Company.
  • Deductible applied for each and every claim.
  • Sum Insured on Individual Basis
  • 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.
  • Anaesthesia, Blood, Oxygen, and Operation Theatre charges, Cost of Pacemakers.
  • Pre and Post Hospitalization – 30 days and 60days
  • Pre-Existing Diseases / Illness: Covered after 36 months of continuous Insurance without break with any Non Life Indian Insurance Company
  • When the aggregate of the previous hospitalization during that policy period exceeds a specified limit, the liability of the Company begins. In other words, the deductible is not applied for each and every hospitalization
  • The insured has the option to migrate to any other indemnity based health insurance policy of the Company after the completion of 5 years of continuous renewal of this policy without break or after completion of 60 years of age whichever is later and in such an event the defined limit would become zero. If the insured chooses to continue in this policy, the defined limit would continue to apply.
  • Emergency ambulance charges for transporting the insured patient to the hospital up to Rs.1,500/- 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 Medical Second opinion
  • Copay of 10% of each and every where the age at entry is above 60 years
Star Super Surplus (Floater ) Insurance Policy (Unique Id : IRDAI/HLT/SHAI/PH/V.II/164/2016-17) (Family Floater Basis)
Silver Plan
Gold 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.
  • Anaesthesia, Blood, Oxygen, and Operation Theatre charges, Cost of Pacemakers.
  • Pre and Post Hospitalization – 30 days and 60days.
  • Pre-Existing Diseases / Illness: Covered after 36 months of continuous Insurance without break with any Non-Life Indian Insurance Company.
  • Deductible applied for each and every claim.
  • Sum Insured on Floater Basis
  • 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.
  • Anaesthesia, Blood, Oxygen, and Operation Theatre charges, Cost of Pacemakers.
  • Pre and Post Hospitalization – 30 days and 60days.
  • Pre-Existing Diseases / Illness: Covered after 36 months of continuous Insurance without break with any Non-Life Indian Insurance Company.
  • When the aggregate of the previous hospitalization during that policy period exceeds a specified limit, the liability of the Company begins. In other words, the deductible is not applied for each and every hospitalization.
  • The insured has the option to migrate to any other indemnity based health insurance policy of the Company after the completion of 5 years of continuous renewal of this policy without break or after completion of 60 years of age whichever is later and in such an event the defined limit would become zero. If the insured chooses to continue in this policy, the defined limit would continue to apply.
  • Emergency ambulance charges for transporting the insured patient to the hospital up to Rs.1,500/- 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 Medical Second opinion
  • Copay of 10% of each and every where the age at entry is above 60 years

Eligibility

Applicable for Both the Plans and Both Individual and Floater Basis.

  • Any person aged between 18 years and 65 years can take this insurance.
  • Children can be covered from 3 months to 25 years. Children can be covered only along with parents.
  • No exit age, Life Long renewals.

General Terms

Applicable for Both the Plans and Both Individual and Floater Basis  

  • 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 Advantage

  •  No Third Party Administrator – direct in-house claims settlement
  •  Faster and hassle-free claim settlement
  •  Cashless hospitalization
  •  Network of more than  7800 hospitals across India
  •  Facility for maintaining personal health records in electronic format

For details contact toll free no 1800 425 2255 / 1800 102 4477

Premium Chart

Super Surplus Insurance Policy Unique Identification No IRDAI/HLT/SHAI/P-H/V.II/170/2016-17
Premium Rs. (Excluding Service Tax)
SILVER PLAN
Sum Insured Rs. 700000 1000000
Deductible Rs. 300000
Premium Rs. 3000 4000
Premium Rs. (Including Service Tax @ 15%)
SILVER PLAN
Sum Insured Rs. 700000 1000000
Deductible Rs. 300000
Premium Rs. 3450 4600
Gold Plan
Sum Insured Rs. 500000 700000 1000000
Age in yrs / Deductible Rs. 300000
3m-35 1,950 2,150 2,350
36-45 2,500 2,800 3,100
46-50 4,150 4,650 5,100
51-55 5,650 6,300 6,950
56-60 6,800 7,550 8,350
61-65 9,150 10,200 11,250
66-70 11,600 12,950 14,300
71-75 14,500 16,150 17,800
76-80 17,350 19,350 21,350
Above 80 20,850 23,250 25,650
Gold Plan
Sum Insured Rs. 500000 700000 1000000
Age in yrs / Deductible Rs. 300000
3m-35 2243 2473 2703
36-45 2875 3220 3565
46-50 4773 5348 5865
51-55 6498 7245 7993
56-60 7820 8683 9603
61-65 10523 11730 12938
66-70 13340 14893 16445
71-75 16675 18573 20470
76-80 19953 22253 24553
Above 80 23978 26738 29498
Sum Insured Rs. 500000 1000000 1500000
Age in yrs / Deductible Rs. 500000
3m-35 1,300 2,250 2,800
36-45 1,700 2,900 3,650
46-50 2,850 4,850 6,100
51-55 3,850 6,550 8,250
56-60 4,650 7,850 9,900
61-65 6,250 10,650 13,350
66-70 7,950 13,500 16,950
71-75 9,900 16,850 21,150
76-80 11,850 20,200 25,350
Above 80 14,200 24,200 30,450
Sum Insured Rs. 500000 1000000 1500000
Age in yrs / Deductible Rs. 500000
3m-35 1495 2588 3220
36-45 1955 3335 4198
46-50 3278 5578 7015
51-55 4428 7533 9488
56-60 5348 9028 11385
61-65 7188 12248 15353
66-70 9143 15525 19493
71-75 11385 19378 24323
76-80 13628 23230 29153
Above 80 16330 27830 35018
Sum Insured Rs. 500000 1000000 1500000 2000000 2500000
Age in yrs / Deductible Rs. 1000000
3m-35 800 1,200 1,600 1,950 2,100
36-45 1,050 1,550 2,100 2,500 2,750
46-50 1,750 2,550 3,500 4,150 4,550
51-55 2,400 3,500 4,750 5,650 6,150
56-60 2,850 4,200 5,700 6,800 7,400
61-65 3,850 5,650 7,700 9,150 10,000
66-70 4,900 7,150 9,750 11,600 12,700
71-75 6,100 8,900 12,150 14,500 15,800
76-80 7,300 10,700 14,600 17,350 18,950
Above 80 8,750 12,850 17,500 20,850 22,750
Sum Insured Rs. 500000 1000000 1500000 2000000 2500000
Age in yrs / Deductible Rs. 1000000
3m-35 920 1380 1840 2243 2415
36-45 1208 1783 2415 2875 3163
46-50 2013 2933 4025 4773 5233
51-55 2760 4025 5463 6498 7073
56-60 3278 4830 6555 7820 8510
61-65 4428 6498 8855 10523 11500
66-70 5635 8223 11213 13340 14605
71-75 7015 10235 13973 16675 18170
76-80 8395 12305 16790 19953 21793
Above 80 10063 14778 20125 23978 26163
Star Super Surplus (Floater) Insurance Policy - Unique Id IRDAI/HLT/SHAI/P-H/V.II/164/2016-17
Premium Excluding Service Tax
SILVER PLAN
Family Size
(Up to 2A + 2C)
Sum Insured Rs. 1000000 1000000
Deductible Rs. 300000 500000
Premium Rs. 5700 4300
Premium Including Service Tax @ 15%
SILVER PLAN
Family Size
(Up to 2A + 2C)
Sum Insured Rs. 1000000 1000000
Deductible Rs. 300000 500000
Premium Rs. 6555 4945
GOLD PLAN
Premium Excluding Service Tax
Sum Insured Rs. 500000 1000000 1500000 500000 1000000 1500000 2000000 2500000
Age in Yrs Deductible / Family Size 500000 1000000
3m to 35 2A 2100 3550 4500 1300 1900 2600 3050 3350
36-45 2750 4650 5850 1700 2450 3350 4000 4350
46-50 4550 7750 9700 2800 4100 5600 6650 7250
51-55 6150 10500 13200 3800 5550 7600 9000 9850
56-60 7400 12600 15800 4550 6650 9100 10850 11800
61-65 10000 17000 21350 6150 9000 12300 14650 15950
66-70 12700 21600 27150 7800 11450 15600 18600 20250
71-75 15800 26900 33800 9750 14250 19450 23150 25250
76-80 18950 32300 40600 11650 17100 23300 27750 30300
Above 80 22750 38750 48700 14000 20500 27950 33300 36350
3m to 35 2A+1C 2600 4400 5550 1600 2350 3200 3800 4150
36-45 3150 5400 6750 1950 2850 3900 4650 5050
46-50 4900 8300 10450 3000 4400 6000 7150 7800
51-55 6650 11300 14200 4100 6000 8150 9700 10600
56-60 7950 13550 17000 4900 7200 9800 11650 12700
61-65 10750 18300 23000 6600 9700 13200 15750 17150
66-70 13650 23250 29200 8400 12300 16800 20000 21800
71-75 17000 28950 36400 10450 15350 20900 24900 27150
76-80 20400 34750 43650 12550 18400 25100 29900 32600
Above 80 24450 41700 52400 15050 22100 30100 35850 39100
GOLD PLAN
Premium Including Service Tax @ 15%
Sum Insured Rs. 500000 1000000 1500000 500000 1000000 1500000 2000000 2500000
Age in Yrs Deductible / Family Size 500000 1000000
3m to 35 2A 2415 4083 5175 1495 2185 2990 3508 3853
36-45 3163 5348 6728 1955 2818 3853 4600 5003
46-50 5233 8913 11155 3220 4715 6440 7648 8338
51-55 7073 12075 15180 4370 6383 8740 10350 11328
56-60 8510 14490 18170 5233 7648 10465 12478 13570
61-65 11500 19550 24553 7073 10350 14145 16848 18343
66-70 14605 24840 31223 8970 13168 17940 21390 23288
71-75 18170 30935 38870 11213 16388 22368 26623 29038
76-80 21793 37145 46690 13398 19665 26795 31913 34845
Above 80 26163 44563 56005 16100 23575 32143 38295 41803
3m to 35 2A+1C 2990 5060 6383 1840 2703 3680 4370 4773
36-45 3623 6210 7763 2243 3278 4485 5348 5808
46-50 5635 9545 12018 3450 5060 6900 8223 8970
51-55 7648 12995 16330 4715 6900 9373 11155 12190
56-60 9143 15583 19550 5635 8280 11270 13398 14605
61-65 12363 21045 26450 7590 11155 15180 18113 19723
66-70 15698 26738 33580 9660 14145 19320 23000 25070
71-75 19550 33293 41860 12018 17653 24035 28635 31223
76-80 23460 39963 50198 14433 21160 28865 34385 37490
Above 80 28118 47955 60260 17308 25415 34615 41228 44965
Premium Rs. (Excluding Service Tax)
GOLD PLAN
Sum Insured Rs. 500000 1000000 1500000 500000 1000000 1500000 2000000 2500000
Age in Yrs Deductible / Family Size 500000 1000000
3m to 35 2A+2C 3300 5650 7100 2050 3000 4100 4850 5300
36-45 3750 6350 8000 2300 3400 4600 5500 6000
46-50 5650 9650 12100 3500 5100 6950 8300 9050
51-55 7700 13050 16450 4750 6950 9450 11250 12250
56-60 9200 15700 19700 5700 8300 11350 13500 14700
61-65 11500 19550 24600 7100 10350 14150 16850 18350
66-70 14600 24850 31250 9000 13150 17950 21400 23300
71-75 18150 30950 38900 11200 16400 22350 26650 29050
76-80 21800 37150 46700 13400 19650 26800 31950 34850
Above 80 26150 44550 56050 16100 23600 32200 38350 41800
3m to 35 1A+1C 1800 3000 3800 1100 1600 2200 2600 2850
36-45 2150 3650 4550 1350 1950 2650 3150 3400
46-50 3600 6100 7700 2200 3250 4400 5250 5750
51-55 4800 8150 10250 2950 4350 5900 7000 7650
56-60 6050 10350 13000 3750 5500 7450 8900 9700
61-65 9000 15300 19250 5550 8100 11050 13150 14350
66-70 11400 19450 24450 7050 10300 14050 16750 18250
71-75 14200 24200 30450 8750 12850 17500 20850 22750
76-80 17050 29050 36550 10500 15400 21000 25000 27250
Above 80 20450 34850 43800 12600 18450 25150 30000 32700
3m to 35 1A+2C 2350 3950 5000 1450 2100 2850 3400 3750
36-45 2750 4700 5850 1700 2500 3400 4050 4400
46-50 4100 7000 8800 2550 3700 5050 6050 6550
51-55 5600 9550 12000 3450 5050 6900 8250 9000
56-60 7150 12200 15300 4400 6450 8800 10500 11450
61-65 9650 16450 20700 5950 8750 11900 14150 15450
66-70 12300 20900 26300 7550 11100 15100 18000 19650
71-75 15300 26050 32750 9400 13800 18800 22400 24450
76-80 18350 31250 39300 11300 16550 22600 26900 29350
Above 80 22000 37500 47150 13550 19850 27100 32300 35200
Premium Including Service Tax @15%
GOLD PLAN
Sum Insured Rs. 500000 1000000 1500000 500000 1000000 1500000 2000000 2500000
Age in Yrs Deductible / Family Size 500000 1000000
3m to 35 2A+2C 3795 6498 8165 2358 3450 4715 5578 6095
36-45 4313 7303 9200 2645 3910 5290 6325 6900
46-50 6498 11098 13915 4025 5865 7993 9545 10408
51-55 8855 15008 18918 5463 7993 10868 12938 14088
56-60 10580 18055 22655 6555 9545 13053 15525 16905
61-65 13225 22483 28290 8165 11903 16273 19378 21103
66-70 16790 28578 35938 10350 15123 20643 24610 26795
71-75 20873 35593 44735 12880 18860 25703 30648 33408
76-80 25070 42723 53705 15410 22598 30820 36743 40078
Above 80 30073 51233 64458 18515 27140 37030 44103 48070
3m to 35 1A+1C 2070 3450 4370 1265 1840 2530 2990 3278
36-45 2473 4198 5233 1553 2243 3048 3623 3910
46-50 4140 7015 8855 2530 3738 5060 6038 6613
51-55 5520 9373 11788 3393 5003 6785 8050 8798
56-60 6958 11903 14950 4313 6325 8568 10235 11155
61-65 10350 17595 22138 6383 9315 12708 15123 16503
66-70 13110 22368 28118 8108 11845 16158 19263 20988
71-75 16330 27830 35018 10063 14778 20125 23978 26163
76-80 19608 33408 42033 12075 17710 24150 28750 31338
Above 80 23518 40078 50370 14490 21218 28923 34500 37605
3m to 35 1A+2C 2703 4543 5750 1668 2415 3278 3910 4313
36-45 3163 5405 6728 1955 2875 3910 4658 5060
46-50 4715 8050 10120 2933 4255 5808 6958 7533
51-55 6440 10983 13800 3968 5808 7935 9488 10350
56-60 8223 14030 17595 5060 7418 10120 12075 13168
61-65 11098 18918 23805 6843 10063 13685 16273 17768
66-70 14145 24035 30245 8683 12765 17365 20700 22598
71-75 17595 29958 37663 10810 15870 21620 25760 28118
76-80 21103 35938 45195 12995 19033 25990 30935 33753
Above 80 25300 43125 54223 15583 22828 31165 37145 40480
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