super surplus insurance policy Provides a lot larger protection than the essential plans. In occasions of medical emergency, it gives an excessive amount of monetary help. Individuals within the age group of 18 to 65 years are eligible for the coverage, which is obtainable on particular person and floater foundation.
The Silver and Gold plans have a coverage time period of 1 yr and are assured renewal for all times. Key choices of the plan embody daycare companies, inpatient hospitalization, supply prices, organ donor prices, air ambulance protection and different companies. This plan gives complete protection at an inexpensive worth for all. It is a plan that bundles coverages and offers you extra protection for much less cash.
Star Super Surplus Top-up Policy
Star Super Surplus – Top-Up Policy is a conventional top-up medical insurance plan that Star Health Insurance Company gives to its clients to offer enhanced medical insurance advantages to guard them from varied well being dangers, illnesses and circumstances. By including further protection to your present health insurance policyA top-up medical insurance plan acts as a complement to your common protection. The plan may be bought for your self or for members of your loved ones; The Gold Plan of this coverage gives further protection. The plan gives a spread of distinctive advantages and options to satisfy the various wants of people, aside from the essential safety of an ordinary medical insurance coverage.
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eligibility standards
| parameter | eligibility particulars |
| minimal entry age | Adult – 18 Years Dependent baby – 91 days |
| most entry age | Adult – 65 years
Dependent baby – 25 years |
| who can purchase | Family – self, partner and financially dependent kids |
| coverage yr | 1 yr and a couple of years |
| renewal | lifelong |
| coverage sort | Personal and Family Floater |
| coverage variant | Silver Plan and Gold Plan |
| Pre-acceptance medical screening (each Silver and Gold plans) | No pre-acceptance medical examination is required. |
| insurance coverage protection | From Rs. 5 lakh to Rs. 1 crore |
| installment facility obtainable | Premium may be paid quarterly and half yearly, and in addition
Annual and biennial (as soon as in 2 years). |
| long run low cost | If the complete premium relevant for 2 years is paid prematurely, the low cost obtainable is 5% |
| free look interval | 15 days |
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Star Super Surplus – Top-up Policy Details
This Policy There are a ton of options and advantages to give you probably the most safety in opposition to varied medical circumstances. The specifics of the scheme are mentioned within the desk beneath on your profit.
| parameter | Description | |
| room | For Silver Plan Rs. Room, boarding, nursing bills offered by the hospital/nursing residence topic to a ceiling of Rs.4,000/- per day. | |
| Hospitalization Coverage | Anesthesia, blood, oxygen, operation theater prices, ICU prices, surgical devices, medicine and medicines, diagnostic materials and X-ray, value of pacemaker and related bills. | |
| pre-hospitalization bills | Up to 30 days for Silver plan and as much as 60 days for Gold plan | |
| Post Hospitalization Expenses | Up to 60 days for Silver plan and as much as 90 days for Gold plan | |
| Coverage for Modern Treatment | Available, topic to spending limits. | |
| emergency ambulance prices | Available solely with the Gold plan, and it covers hospitalization of the insured at Rs. 3,000/- as much as Rs. | |
| air ambulance prices | Up to 10% of the Sum Assured per coverage time period. quantity relevant to
Only for Gold plan Rs. Insurance possibility of seven lakhs and above. |
|
| Facility to get e-medical opinion | Available with Gold plan solely | |
| supply prices | Delivery together with supply by cesarean part (together with
pre-natal, post-natal bills, and legitimate medical termination of being pregnant) as much as Rs.50,000/- per coverage time period |
|
| organ donor bills | Available, if Life Assured is Payee | |
| recharge advantages | outlined vary | recharge restrict |
| Rupee. 3 lakh | Rupee. 50,000 | |
| Rupee. 5 lakh | Rupee. 75,000 | |
| Rupee. 10 lakh | Rupee. 1 Lac | |
| Rupee. 15 lakhs and above | Rupee. 2.5 lakh | |
| welfare companies | Available by way of cellular app and buyer portal | |
| waiver of deductible | Available and topic to phrases and circumstances of the coverage | |
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Premium Calculation for Star Super Surplus – Top-up Policy
When you wish to purchase a coverage, it is very important understand how a lot the premium will likely be for the knowledge you present because it helps you propose your funds and perceive the worth of the coverage. As a result, right here is an instance of how the premium is calculated so as to higher perceive the Star Super Surplus – Top-up Policy.
Mr. Jaidka, a businessman aged 36 years, has bought a Star Super Surplus – Top-up coverage for himself. Let us learn how a lot he must pay in premium for the given data for various sum assured choices.
| age | coverage sort | plan sort | coverage time period | deductions | fee choices | insurance coverage cowl | Premium Amount Including Taxes |
| 36 years | Person | gold scheme | 2 years | Rupee. 10 lakh | full fee | Rupee. 1.5 million | Rupee. 4614 |
| Rupee. 2 million | Rupee. 5534 | ||||||
| Rupee. 25 lakhs | Rupee. 6360 |
General Exclusions of Star Super Surplus – Top-up Policy
Although the plan gives a cushion on your present health insurance policy and gives a variety of advantages and options, it does not compensate for some exclusions. To keep away from issues in future, it is very important pay attention to the exclusions of the plan whereas buying the insurance coverage. For your comfort, following is the listing of frequent exclusions of Star Super Surplus – Top-up coverage:
- If any sickness or damage happens resulting from struggle, related battle, riots, public outrage, civil struggle, organic warfare, and so forth., the identical isn’t lined by this coverage.
- Self hurt, suicide or tried suicide won’t be lined within the coverage.
- The use of a walker or wheelchair by the Insured shall be excluded from protection for his or her related prices.
- The coverage won’t cowl any value related to weight reduction or administration remedy.
- The plan won’t cowl the price of beauty surgical procedure or cosmetic surgery, except they’re resulting from an accident.
- If the insured is concerned in dangerous or journey sports activities like paragliding, scuba diving, mountaineering and so forth., the identical won’t be lined by the enterprise.
- The coverage additionally doesn’t cowl prices associated to intercourse change and remedy of sexually transmitted illnesses.
- Compensation won’t be paid for any unauthorized, unlawful, or unrecognized remedy obtained by the Insured Person.
- There will likely be no protection for accidents brought on by ingesting, use of unlawful medicine, or some other intoxicant.
- Exclusions additionally apply to any remedy obtained earlier than the ready interval begins.
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what’s extra?
Coverage options are just one side of the advantages of the plan. Following are a few of the further advantages that the plan gives at no further value: A hassle-free declare course of, lifetime renewal assure, cashless hospitalization at empaneled community hospitals, tax advantages below part 80D of the Income Tax Act 1961, and coverage advantages Free look interval of 15 days from the date of
conclusion
If you might be on the lookout for a plan with extra protection than the essential plans supply, then super surplus plan Highly beneficial from Star Health. Contact a reputed on-line medical insurance dealer to purchase this coverage. This is because of the truth that doing all of your procuring on-line not solely helps you save time but in addition reduces the probabilities of miscommunication. Additionally, some brokers can even help you with after gross sales companies, which will likely be helpful.
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Star Super Surplus Insurance Plan FAQs
What is Star Super Surplus Policy?
Star Super Surplus Insurance Policy is a top-up medical insurance plan that gives surplus protection and advantages throughout medical emergencies. Available in particular person and household floater cowl, this plan covers healthcare bills of as much as 1 crore at an affordable premium.
What is the PED ready interval in Super Surplus Gold?
The protection for pre-existing illnesses below the Super Surplus Silver plan is 36 months, and particular remedies have a ready interval of 24 months. The protection for pre-existing illnesses below the Super Surplus Gold plan is 12 months, and particular remedies have a ready interval of 12 months.
Can we declare on the spot medical insurance?
Almost all medical insurance plans have an preliminary ready interval of 1 month or 30 days throughout which no claims are accepted besides in emergent circumstances.
Can we declare medical insurance 2 occasions in a month?
You can declare any variety of occasions in your medical insurance coverage until the sum insured is exhausted. The sum assured in your coverage is the utmost restrict that you should utilize to make claims any variety of occasions. There isn’t any restrict on the variety of claims that may be made below your medical insurance coverage.
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