Super Surplus Insurance Policy
Super Surplus Insurance Policy IRDAI UIN: SHAHLIP22035V062122
Star Super Surplus (Floater) Insurance Policy UIN: SHAHLIP22034V062122
HIGHLIGHTS
Plan Essentials
Top-up Policy
Flexible Policy
Long-Term Discount
Medical Examination
Instalment Options
Individual Entry Age
Floater Entry Age
DETAILED LIST
Understand what’s included
GENERAL FEATURE
Policy TermThis policy can be availed for a term of one or two years. |
Lifelong RenewalThis policy provides a lifelong renewal option. |
INDIVIDUAL PLAN (GOLD)
In-Patient HospitalisationHospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered. |
Pre-HospitalisationIn addition to in-patient hospitalisation, the medical expenses incurred up to 60 days before the date of admission to the hospital are also covered. |
Post-HospitalisationPost-hospitalisation medical expenses up to 90 days from the date of discharge from the hospital are covered as per the limits mentioned in the policy clause. |
Room RentRoom (Single Private A/C room), boarding and nursing expenses incurred during in-patient hospitalisation are covered. |
Road AmbulanceAmbulance charges including private ambulance incurred for transporting the insured person to the hospital are covered up to Rs. 3000/- per policy period. |
Air AmbulanceAir Ambulance expenses are covered up to 10% of the Sum Insured applicable for Sum Insured of Rs. 7 lakhs and above. |
Modern TreatmentModern treatment expenses incurred either as an in-patient hospitalisation or day care treatment are payable to the extent of the sub-limits mentioned in the policy clause. |
Delivery ExpensesDelivery expenses including the Caesarean section are covered up to Rs. 50,000/- per delivery to the maximum of two deliveries. This can be availed after a 12 month waiting period. |
Organ Donor ExpensesOrgan transplantation expenses are payable subject to the availability of the Sum Insured if the insured person is the recipient. |
Recharge BenefitOn exhaustion of the Sum Insured for the remaining policy period, an additional indemnity is provided once during the policy period up to the specified limits. |
Wellness ServicesWellness programs designed to motivate and encourage the healthy lifestyle of the insured person through various wellness activities. |
E-Medical OpinionE-Medical Opinion facility from the Company’s expert panel is available on the request initiated by the insured person. |
Defined LimitDefined limit means the amount up to which the company will not be liable during the policy period. |
AYUSH Treatment Medical expenses for Inpatient Hospitalization incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to the sum insured. |
INDIVIDUAL PLAN (SILVER)
In-Patient HospitalisationHospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered. |
Pre-HospitalisationIn addition to in-patient hospitalisation, the medical expenses incurred up to 30 days before the date of admission to the hospital are also covered. |
Post-HospitalisationPost-hospitalisation medical expenses up to 60 days from the date of discharge from the hospital are covered as per the limits mentioned in the policy clause. |
Room RentRoom (including single standard A/C room), boarding and nursing expenses incurred during in-patient hospitalisation are covered up to Rs. 4000/- per day. |
Modern TreatmentModern treatment expenses are payable to the extent of the sub-limits mentioned in the policy clause. |
DeductibleDeductible means the amount up to which the company will not be liable for each and every hospitalisation. |
AYUSH Treatment Medical expenses for Inpatient Hospitalization incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to the sum insured. |
FLOATER PLAN (GOLD)
In-Patient HospitalisationHospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered. |
Pre-HospitalisationIn addition to in-patient hospitalisation, the medical expenses incurred up to 60 days before the date of admission to the hospital are also covered. |
Post-HospitalisationPost-hospitalisation medical expenses up to 90 days from the date of discharge from the hospital are covered as per the limits mentioned in the policy clause. |
Room RentRoom (including single private A/C room), boarding and nursing expenses incurred during in-patient hospitalisation are covered. |
Air AmbulanceAir Ambulance expenses are covered up to 10% of the Sum Insured applicable for Sum Insured of Rs. 10 lakhs and above. |
Road AmbulanceAmbulance charges including private ambulance incurred for transporting the insured person to the hospital are covered up to Rs. 3000/- per policy period. |
Modern TreatmentModern treatment expenses are payable to the extent of the sub-limits mentioned in the policy clause. |
Delivery ExpensesDelivery expenses including the Caesarean section are covered up to Rs. 50,000/- per delivery to the maximum of two deliveries. This can be availed after a 12 month waiting period. |
Organ Donor ExpensesOrgan transplantation expenses are payable subject to the availability of the Sum Insured if the insured person is the recipient. |
Recharge BenefitOn exhaustion of the Sum Insured for the remaining policy period, an additional indemnity is provided once during the policy period up to the specified limits that can be used even for same hospitalisation. |
E-Medical OpinionE-Medical Opinion facility from the Company’s expert panel is available on the request initiated by the insured person. |
Wellness ServicesWellness programs designed to motivate and encourage the healthy lifestyle of the insured person through various wellness activities. |
Defined LimitDefined limit means the amount up to which the company will not be liable during the policy period. |
AYUSH Treatment Medical expenses for Inpatient Hospitalization incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to the sum insured. |
FLOATER PLAN (SILVER)
In-Patient HospitalisationHospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered. |
Pre-HospitalisationIn addition to in-patient hospitalisation, the medical expenses incurred up to 30 days before the date of admission to the hospital are also covered. |
Post-HospitalisationPost-hospitalisation medical expenses up to 60 days from the date of discharge from the hospital are covered as per the limits mentioned in the policy clause. |
Room RentRoom (Single Standard A/C Room), boarding and nursing expenses incurred during in-patient hospitalisation are covered up to Rs. 4000/- per day. |
Modern TreatmentModern treatment expenses are payable to the extent of the sub-limits mentioned in the policy clause. |
DeductibleDeductible means the amount up to which the company will not be liable for each and every hospitalisation. |
AYUSH Treatment Medical expenses for Inpatient Hospitalization incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to the sum insured. |
STAR HEALTH
Why Choose Star Health Insurance?
As a Health Insurance specialist, we extend our services from offering tailor-made products to fast in-house claim settlements. With our growing network of hospitals, we ensure easy access to fulfill your medical needs.
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We are committed to saving you time, saving you money, and getting rid of the hassles that make health insurance so hard to navigate.
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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.
Star Health Super Surplus Policy is a premium health insurance plan that provides much more coverage than standard health insurance plans. The policy is available on a floater and individual basis, and 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, and dependent children. The policy offers a higher sum insured at an affordable premium, making it a preferred choice for many.
The Star Health Super Surplus top-up plan is a wonderful choice for anyone looking to expand their medical insurance because it provides more coverage at a lower cost.
The Star Health Super Surplus policy is available in two plans: Silver Plan and Gold Plan. The policy covers organ donor expenses, daycare treatments, ambulance charges, in-patient hospitalization expenses, pre-hospitalization, and post-hospitalization expenses.
Top-up Health Insurance Plan
A top-up health insurance plan is an extra medical coverage policy that indemnifies people who already have an existing health insurance policy or an employer mediclaim policy.
It is an insurance product that provides additional medical coverage to your existing health insurance policy or a group mediclaim policy. It enhances the degree of financial security you have against different health-related concerns and expands the sum insured amount.
If your health insurance policy does not provide enough coverage to meet high hospitalization bills, you may have to purchase two insurance policies or increase the sum assured amount.
Choose the best top-up health insurance plan that meets your requirements and enhances your degree of financial security against different health-related concerns.
Example
Suppose you have a health plan with a maximum sum assured of Rs. 5 lakhs and you take a top-up plan for Rs. 3 lakhs. If you are hospitalized, your base health plan will bear the costs of medical bills up to Rs. 5 lakhs, and the top-up plan will kick in after the maximum sum assured by your base plan has been crossed.
A top-up health insurance plan is an add-on cover that increases the health insurance coverage for the policyholder.
Medical bills may exceed the health insurance coverage and be paid by out-of-pocket expenses, and our financial stability is at stake. Top-up plans offered by insurance companies are a boon in such scenarios.
The Super Surplus Insurance policy by Star Health is a super 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.
Can we top up Health Insurance?
Yes, a person can top up his/her health insurance policy to offer extra coverage. A top up health insurance policy is an add-on to your existing health insurance plan. It provides extra coverage once your medical expenses exceed a certain deductible. We have seen what is top up in health insurance; let’s see how to top up health insurance.
How to top up Health Insurance?
You avail top-up health insurance in two ways, either as a top-up health plan or as a super top-up health plan. Both of these ways function as a booster to your primary health insurance policy. These plans could be used to pay the extra medical expenses if your regular health policy gets exhausted.
Can we take top up on Health Insurance?
Know how to take top up health insurance. As mentioned above, the top-up health insurance is an extra health coverage that you could add to a good health insurance that you took.
In our country, in some cases, your basic health plan might not be sufficient. as there is an increase in lifestyle ailments and medical inflation due to modernization. So, top up health insurance India could help you here.
Hence, choosing a top insurance alone is not enough; you could also select the best top up health insurance. Here, we have already discussed top up health insurance benefits.
When you check what is the top health insurance company also check the details of top up health insurance provided by those companies. Find out what is best insurance plan and also the best top up health insurance.
Features of Super Surplus Health Insurance Policy
| S.No | Subject | Criteria | ||
|---|---|---|---|---|
| 1. | Eligibility | 18-65 years | ||
| 2. | Dependent children | 91 days to 25 years | ||
| 3. | Policy term | 1 / 2 years | ||
| 4. | Plan options | Silver / Gold plan | ||
| 5. | The Company will pay in excess of the deductible limit on every claim under Silver plan | Silver | Sum insured | Deductible limit |
| Individual | 7 lakhs / 10 lakhs | 3 lakhs | ||
| Floater | 10 in lakhs | 3 & 5 lakhs | ||
| The Company will pay the aggregate of all claims amount in excess of defined limit in the policy year under Gold plan | Gold | Sum insured | Defined limit | |
| Individual | 5 / 10 / 15 / 20 / 25 /50 / 75/ 100 lakhs | 3 / 5 /10 / 15 / 20 /25 lakhs | ||
| Floater | ||||
| 6. | Product type | Individual / Floater | ||
| 7. | Installment facility | Quarterly / Half-yearly | ||
| 8. | Discounts | 5 percent discount only if the entire two-year premium is paid in advance | ||
| 9. | Renewals | Life-long renewal option | ||
| 10. | Pre-insurance medical screening | Not required | ||
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)
- 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.
- Pre-hospitalisation Expenses- Expenses incurred up to 30 days before getting hospitalised are covered.
- Post-hospitalisation Expenses- Expenses incurred up to 60 days after discharge are covered.
- 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)
- 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.
- Pre-hospitalisation Expenses - Expenses incurred up to 60 days before getting hospitalised is covered.
- Post-hospitalisation Expenses- Expenses incurred up to 90 days after discharge is covered.
- 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.
- 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.
- 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. 700000 and above).
Floater Plan (Silver)
- 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.
- Pre-hospitalisation Expenses- Expenses incurred up to 30 days before getting hospitalised are covered.
- Post-hospitalisation Expenses- Expenses incurred up to 60 days after discharge are covered.
- 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.
Floater Plan (Gold)
- 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.
- Pre-hospitalisation Expenses - Expenses incurred up to 60 days before getting hospitalised is covered.
- Post-hospitalisation Expenses- Expenses incurred up to 90 days after discharge is covered.
- 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.
- 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.
- 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?
How does a Top-up Health Insurance Plan work?
To understand the working of top-up policies, you should know two terms one is Deductible & Defined Limit (Aggregate Deductible)
1.Deductible – A deductible is an amount the policyholder agreed to pay for every admissible hospitalisation claim.
2.Defined Limit (Aggregate Deductible) – A defined limit is an aggregate amount of admissible claims the policyholder has agreed to pay during the policy period.
Case Study
If the insured has a top-up policy of the sum insured as 10 lakhs with a 1lakh deductible.
Case study on opting for Top-up with Deductible
| Period of Claim Claims during the same year | Claims during the same year | Sum Insured (Deductible) | Insured to pay for each Claim | Admissible claim Amount Payable | Amount payable | Balance Sum insured available for future claim |
| 21- 22 | 1st | 10 lakhs (1L) | 1 Lakh | 5 Lakhs | 4 Lakhs | 6 lakhs |
| 21- 22 | 2nd | 6 Lakhs (1L) | 1 Lakh | 3 lakhs | 2 lakhs | 4 lakhs |
| 21- 22 | 3rd | 4 Lakhs (1 L) | 1 Lakh | 4 lakhs | 3 lakhs | 1 lakh |
| 21- 22 | 4th | 1Lakhs (1L) | 1 Lakh | 2 lakhs | 1 lakh | nil |
Case study on opting for Top-up with Defined (Aggregate Deductible)
| Period of Claim | Claims during the same year | Sum Insured (Defined ) | Insured to pay for per policy period | Admissible claim Amount Payable | Amount payable | Balance Sum insured available for future claim |
| 21- 22 | 1st | 10 lakhs (1 lakh) | 1 Lakh | 5 Lakhs | 4 Lakhs | 6 lakhs |
| 21- 22 | 2nd | 6 lakhs | Nil | 3 Lakhs | 3 lakhs | 3 lakhs |
| 21- 22 | 3rd | 3 Lakhs | Nil | 3 Lakhs | 3 lakhs | nil |
Investing in a top-up health insurance plan not only provides financial freedom but also a sense of security, ensuring peace of mind.
- Cost-effective protection against ever-rising medical treatment costs.
- People who have to pay more than the coverage given by their employer,
- People who have lower coverage under their individual/family cover.
- People who can convert their top-up plan to a regular cover, post-retirement with renewal benefits.
- Tax Benefit under Section-80D
- All premiums paid towards health insurance premiums can be tax–exempt.
Health insurance specialist says the top-up plan is a must to have. For instance, 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
- The Super Surplus Gold plan offers coverage for maternity up to specified limits.
- Provides air ambulance cover for up to 10% of the sum insured for more than Rs. 7 lakhs (individual) and 10 lakh (floater).
- Coverage for organ donor expenses.
- Coverage for inpatient hospitalisation expenses.
- Pre- and post-hospitalisation expenses are also covered.
- Cover for all day-care procedures or treatments (under gold plan).
- Coverage for pre-existing diseases under the Super Surplus silver plan is 36 months, and specific treatments have 24 months waiting period.
- 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.
- Any ailment/injury caused due to war, civil war, biological war, etc.
- Self-intentional injuries like suicide attempts.
- Costs of Walkers / Wheelchairs.
- Expenses related to treatment for weight loss surgeries.
- Cosmetic or plastic surgery expenses unless subjected to an accident.
- Expenses related to injuries caused by hazardous sports or adventurous activities.
- Expenses related to change of gender treatments and sexually transmitted diseases.
What does a Top-up health insurance Plan offer?
Ready for increasing and dynamic costs of hospitalisation. It is similar to that of any regular health insurance plan. This plan is payable towards treatment expenses for illness or accidents in a hospital or day-care centre. The maximum amount policyholders must pay is deductible before their insurer pays for covered losses. A higher deductible lowers the premium. The waiting period for pre-existing and specified illnesses is 12 months from the policy's inception under the defined limit.
Advantage of top up health insurance plans
Enhanced coverage
A top-up plan allows people to enhance their medical coverage so that they can pay for unforeseen medical expenses even after the sum insured of their base policy gets exhausted.
Lower premium
Top-up health insurance options are made to provide the most comprehensive range of coverage with no compromises and at a cheaper cost, so you won’t need to get fresh health insurance.
Tax benefits
You may get eligible for tax breaks on the top-up policy premium you paid under Section 80D of the Income Tax Act of 1961. The cost of insurance for oneself, one’s spouse, and dependent children might lower your tax obligation by up to INR 25,000.
Senior citizens may enjoy a higher limit of deduction and if you are over 60 years of age, you may claim a deduction of up to INR 50,000.
Coverage for Pre-existing diseases
Generally, health plans do not offer coverage against pre-existing diseases. However, you may supplement your base plan with a top-up that offers coverage for the same. This proves beneficial in case you have a family history of certain illnesses such as hypertension or diabetes.
Tackle rising medical inflation
Medical inflation in India is increasing at an alarming rate of around 20% as compared to 8-9% in the past few years. Thus, investing in a top-up health insurance policy can help you combat such inflation effectively.
How does top up health insurance works?
A top-up health insurance plan offers extra coverage to the existing health insurance policy and helps to cover medical expenses that exceed the sum insured of the regular health insurance policy. The top-up policy works on the principle of the deductible.
The top-up plan allows you to continue accessing quality medical care without worrying about additional costs and offers an opportunity to increase the sum insured at a minimal cost.
How top up plans differ from regular insurance plans?
Top-up health insurance plans cover almost all hospitalization expenses and provide the same benefits as a basic health plan. The only difference is the cost of deductibles that make these plans affordable. Most top-up plans do not require pre-medical screening up to the age of 50 years, which is mandatory after 45 years under most basic health insurance plans.
If your basic health plan reaches the sum insured limit, the claim for both top-up and individual health plans can be filed together. Moreover, you can easily file a claim under both plans simultaneously from insurance providers, who will be liable to pay off part of their claims.
Things covered in Top-up Health Insurance Plan
In-patient hospitalization expenses
In-patient hospitalization expenses, including nursing and boarding charges, room rent, doctors’ fees, OT charges, cost of oxygen, prosthetic devices or implantation of any other equipment during surgery, blood, diagnostic procedures and other similar expenses.
- Pre-hospitalization expenses
- Post-hospitalization expenses
- Day care procedures that do not require hospitalization of even 24 hours
- Organ donor expenses
- Emergency ambulance charges
- Domiciliary treatment expenses
Primary things to look when buying top up insurance
To select an affordable top-up health insurance plan, opt for higher deductibles. Avoid buying an expensive plan to cover exclusions like daily cash allowance and dental cover as they may be covered by your regular health insurance policy.
What are the add-on benefits of the Super Surplus policy?
1. Additional coverage
The Super Surplus Insurance policy acts as a super top up health insurance 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.
6. 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.
Top-up Health Insurance is a cost-effective way to have higher medical insurance coverage. Always choose a policy with an aggregate deductible. Do prefer the lowest waiting periods for Pre-existing disease coverage. Beat the medical inflation and bridge gaps under health insurance coverage. The realistic way to increase health coverage for persons covered under corporate, individuals, and families with low insurance cover is to choose a top-up health insurance.
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