Super Surplus Insurance Policy
Super Surplus Insurance Policy
Additional information
Super Surplus Insurance Policy
Surplus protection at affordable pricing. Extend your Policy upto 10000000 Crore with small premium.
Top-up at affordable premiumA Top up policy providing higher sum insured at a very affordable premium.
No pre-acceptance medical screeningNo pre-acceptance medical screening required.
Flexible policy basisThis policy can be taken on both Individual and Floater basis.
Maternity coverMaternity Expenses covered upto specified limits
Air ambulance coverAir Ambulance facility covered up to 10% of the sum insured
Organ Donor ExpensesOrgan Donor Expenses covered
Policy TermPolicy can be taken for 1 year or 2 years
Instalment OptionsInstalment facility available
Wellness ProgramWellness services available
Super Surplus Insurance Policy (Unique Id :SHAHLIP21580V052021) (Individual Basis)
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Silver Plan
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Gold Plan
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|---|---|
| Sum Insured on Individual Basis | Sum Insured on Individual Basis |
| 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 Private A/C Room), Boarding and Nursing expenses |
| Surgeon’s fees, Consultant’s fees, Anesthetist’s and Specialist’s fees. | Surgeon’s fees, Consultant’s fees, Anesthetist’s and Specialist’s fees. |
| Anesthesia, Blood, Oxygen, ICU Charges and Operation Theatre charges, Cost of Pacemakers. | 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 – 30 days and 60 days | Pre and Post Hospitalization – 60 days and 90days. |
| Pre-Existing Diseases / Illness: Covered after 36 months of continuous Insurance without break with Insurer | Pre Existing Diseases: Covered after 12 months of continuous coverage without break with Insurer |
| Waiting period for Specific diseases – 24 months | Waiting period for Specific diseases – 12 months |
| Deductible applied for each and every claim | 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 |
| Coverage for Modern treatment : Up to the limits mentioned in the policy | 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. |
| Long term and Instalment Facility is available | 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 Instalment Facility is available |
Star Super Surplus (Floater ) Insurance Policy (Unique Id : SHAHLIP21579V052021) (Family Floater Basis)
|
Silver Plan
|
Gold Plan
|
|---|---|
| Sum Insured on Floater Basis | Sum Insured on Floater Basis |
| 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 Private A/C Room), Boarding and Nursing expenses |
| Surgeon’s fees, Consultant’s fees, Anesthetist’s and Specialist’s fees. | Surgeon’s fees, Consultant’s fees, Anesthetist’s and Specialist’s fees. |
| Anesthesia, Blood, Oxygen, ICU Charges and Operation Theatre charges, Cost of Pacemakers | 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 – 30 days and 60 days | Pre and Post Hospitalization – 60 days and 90days. |
| Pre-Existing Diseases / Illness: Covered after 36 months of continuous Insurance without break with Insurer. | Pre Existing Diseases: Covered after 12 months of continuous coverage without break with Insurer. |
| Waiting period for Specific diseases – 24 months | Waiting period for Specific diseases – 12 months |
| Deductible applied for each and every claim | 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 |
| Coverage for Modern treatment : Up to the limits mentioned in the policy | 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. |
| Long term and Instalment facility is available | 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.
- Dependent children aged from 91 days to 25 years can be covered only along with parents.
- No exit age, Lifelong renewals available.
General Term :
- Tax Benefits : 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
- Network of more than 10200+ hospitals across India
NOTE:The benefits mentioned herein are only an outline of the policy. For details please contact your nearest Star Health Office or call at +91 9990190909 or write us [email protected]
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