Star Super Surplus Health Insurance

The Star Super Surplus policy offered by Star Health Insurance provides extensive health coverage to ensure that your loved ones are covered. It offers adequate financial assistance at the time of medical emergencies. The policy is available on an individual and floater basis and is open for individuals between the ages of 18 and 65 years, however, the eligibility criteria for dependant children varies. Read on to learn more about the Star Super Surplus Health Insurance plan.

Key Features of Star Super Surplus Health Insurance

Some of the key features of the Star Super Surplus Health Insurance that you should know about are as follows:

• Types: The plan comes in Silver and Gold plan with 1-year policy term and guaranteed lifelong renewal. The coverage offered under the Gold and Silver variant differs, thus depending on your requirements, you should choose the variant that best suits your needs.
• Policy Term: The policy term of the Star Super Surplus Health Insurance plan can be either 1 year or 2 years.
• Lifelong Renewals: The Star Super Surplus Health Insurance plan offers lifelong renewals. This means that you can renew it for a lifetime and even get discounts.
• No pre-medical screening: The best part about buying the Star Super Surplus Health Insurance plan is that there is no pre-medical screening required. You can easily buy this plan without going through any medical tests.
• Coverage: The major offerings under the scheme comprise daycare procedures, inpatient hospitalisation, delivery charges, organ donor expenses, air ambulance cover, and so on. The extensive coverage makes this plan a complete and affordable package for anyone and everyone.

Eligibility Criteria of Star Super Surplus Health Insurance Plan

Listed below are the eligibility criteria for buying the Star Super Surplus Health Insurance plan:

Parametres	Eligibility Criteria
Minimum entry age for adults	18 years
Maximum entry age for adults	65 years
Minimum entry age for child	91 days
Maximum entry age for child	25 years
Policy year	1 or 2 year

Benefits of Buying Star Super Surplus Health Insurance Plan

The Star Super Surplus Health Insurance Plan has a lot of benefits to offer, some of which have been listed below:

• Top-up Policy: The Star Super Surplus Health Insurance Plan is a top-up policy that can be opted with any of your existing plans. As a top-up plan, you will get an additional sum insured at affordable premiums.

• Long-term Discount: With the Star Super Surplus Health Insurance Plan, you will be eligible to save on health insurance premiums with discounts. Those who opt for this policy for 2 years can get long-term discounts and save up to 5% on health insurance premiums.

• Instalment Options: There are often times when you cannot pay the entire health insurance premium in one go. Thus, to ease this, policyholders can pay the premium for Star Super Surplus Health Insurance Plan in installments. The premiums can be paid on a quarterly or half-yearly basis.

• Flexible Policy: The Star Super Surplus Health Insurance Plan can be opted as a floater or individual policy. Under the family floater plan, you can get coverage for up to 7 members.

• Sum Insured: While buying the Star Super Surplus Health Insurance Plan with a silver variant, you can choose a sum insured of either Rs. 7 lakhs or Rs. 10 lakhs. On the other hand, with the gold variant, you can choose a sum insured ranging between Rs. 5 lakhs - Rs. 100 lakhs. So, depending on your budget, choose the right sum insured for yourself and your loved ones.

• Medical Expenses Coverage: The Silver variant of the Star Super Surplus Health Insurance Plan offers coverage for pre and post hospitalisation expenses, modern treatments, hospitalisation cover, etc. The Gold variant also provides coverage for most of the expenses, along with coverage for delivery expenses, organ donor expenses, and recharge benefits.

Variants Available with Star Super Surplus Health Insurance Plan

The Star Super Surplus Health Insurance Plan offers policyholders the flexibility to choose between either the Gold or Silver variant. Here is a table that will help you understand the differences between the Gold and Silver variants:

Features	Silver	Gold
Hospitalisation cover	Up to Rs. 4000/day	Boarding, Nursing expenses, and other hospitalisation expenses
Pre-hospitalisation expenses	Up to 30 days	Up to 60 days
Post-hospitalisation expenses	Up to 60 days	Up to 90 days
Modern treatment coverage	Yes	Yes
Emergency ambulance	Not covered	Covered up to Rs. 3000 per policy period
Air ambulance	Not covered	Air ambulance coverage is 10% of SI
Delivery expenses	Not covered	Up to Rs. 50,000 per policy period
Waiver of deductible add-on	Not available	Available

Riders Available with the Star Super Surplus Health Insurance Plan

To enhance the benefits of the Star Super Surplus Health Insurance Plan even more, you can include the following riders in your plan:

• Waiver of deductible: The Waiver of Deductible add-on is available only with the Gold variant. With this add-on, you can get the deductible removed from your health insurance plan.
• Personal Accidental Waiver: This rider helps in providing financial compensation if the policyholder meets an accident.
• Critical Illness Rider: The critical illness rider provides financial assistance in case the policyholder is diagnosed with any kind of critical illness.

Inclusions and Exclusions of Star Super Surplus Health Insurance Plan

Inclusions under Silver:

• In-hospitalisation expenses - Up to maximum 4000/day
• Pre-hospitalisation - Up to 30 days
• Post-hospitalisation: Up to 60 days after hospitalisation
• Modern treatment coverage: Coverage for modern-day treatment is covered up to the sub-limits mentioned on the policy document

Inclusions under Gold:

• In-hospitalisation expenses: Expenses for Single Private AC room, boarding, and nursing expenses, surgeon’s fee, etc
• Pre-hospitalisation expenses: Up to 60 days prior to hospitalisation
• Post-hospitalisation expenses: Up to 90 days after hospitalisation
• Modern treatment coverage
• Emergency ambulance coverage: Up to Rs. 3000/policy period
• Air ambulance coverage: Up to 10% of SI

Exclusions:

• Any unrelated expenses
• Obesity or weight-related treatment
• Change of gender treatment
• Cosmetic surgery
• Change of gender treatment
• Any injury due to involvement in adventurous activities

Documents Required to Buy Star Super Surplus Health Insurance Plan

Some of the documents essential to buy the Star Super Surplus Health Insurance Plan are as follows:

• A duly-filled application form
• Aadhaar card
• PAN card
• Bank account details
• Details of pre-existing medical conditions
• Previous medical insurance details
• Nominee details

How to Buy Star Super Surplus Health Insurance Plan?

Listed below are the steps in which you can buy the Star Super Surplus Health Insurance Plan:

• Visit the “Health Insurance” section on the official InsuranceDekho website.
• Choose "Star Health Insurance" from the list of health insurance companies.
• Then, select "Star Super Surplus Health Insurance" from the available health insurance plans.
• Read the policy documents carefully
• Upload all the necessary documents to complete the KYC process
• After finishing the KYC process, pay the premium online
• Finally, you will receive the policy document in your registered email

Claim Process of Star Super Surplus Health Insurance Plan

There are two types of claims you can raise with the Star Super Surplus Health Insurance plan, cashless claims, and reimbursement claim. The claim process for both cashless and reimbursement varies as under cashless, your bills will be directly settled at the network hospital. On the other hand, in a reimbursement claim, the bills will be later reimbursed by the insurance company.

Cashless Claim Process

• Visit any network hospital that is tied-up with Star Health Insurance
• Fill out the pre-authorisation form and submit all the documents at the hospital
• The claim request and documents will be sent to Star Health for verification
• Once all the documents have been verified, your claims will be directly settled by Star Health

Reimbursement Claim Process

• In reimbursement claim, you can get hospitalisated at any network or any non-network hospital
• Inform the insurance company about the hospitalisation and get started with the treatment
• Next, fill out the claim form on the website of Star Health
• Submit the claim form along with the documents to Star Health
• Star Health will verify all the documents and later will reimburse the total medical expenses