Star Health Insurance - Super Surplus

  • 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.
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  • Benefits
  • General Terms
  • Star Advantages

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

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).

  • No Third Party Administrator – direct in-house claims settlement
  • Faster and hassle-free claim settlement
  • Cashless hospitalization
  • Network of more than 8200+ hospitals across India
  • Facility for maintaining personal health records in electronic format

 
 

Star Health Insurance

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