SUPER SURPLUS INSURANCE

 

Life is full of the unexpected. However, when you are well prepared, you can be in control even under the most unexpected circumstances. Star Health Insurance brings you Super Surplus Health Insurance., which offers you much more coverage than the traditional insurance policies. This means you can rest assured and be confident of facing any unfortunate health eventuality in the family- like sudden illness.

Star Super Surplus is an health insurance policy that offers much more protection! Wider Coverage option of Rs. 7 lacs and Rs. 10 lacs at surprisingly low premiums.

Major product features

  • The policy offers an improved coverage benefit of wider protection at a lesser price. Cover options - for Rs. 7,00,000 & Rs. 10,00,000.

Policy Benefits

  • Hospitalization Cover: This would protect the Insured Person for in-patient hospitalization expenses for a minimum of 24 hours. These expenses include room rent up to a maximum of Rs. 4000/- per day.
  • No ceiling on ICU, medicine, diagnostic charges or consultation fee
  • Boarding and nursing expenses
  • Surgeon's fees, Consultant's fees and Anaesthetist's fees
  • Cost of blood, oxygen, diagnostic expenses, cost of pacemakers etc.
  • Cost of medicines and drugs

Policy details & premium

Any person aged between 5 months and 65 years can take this insurance upto a maximum sum insured of Rs. 10,00,000/-.

Option Sum insured(Rs.) Premium(Rs.) for individuals
i 7,00,000 3,000
ii 10,00,000 4,000

Note:
        *Compulsory deductible- Rs. 300,000 for all options
        *Service Tax extra

Tax benefit

Premium paid for this insurance is eligible for relief under Section 80D of the IT Act.

Claims procedure

  • Call the 24 hour helpline for assistance
  • Inform the ID number for easy reference
  • In case of planned hospitalisation inform 24 hours prior to admission in the hospital.
  • In case of emergency hospitalisation information to be given within 24 hours after hospitalisation.
  • Cashless facility can be availed in all network hospitals
  • In non-network hospitals payment must be made upfront and then reimbursement will be effected on submission of documents.

Exclusions

  • Expenses on treatment of Pre-Existing Diseases/ conditions
  • Expenses during the first 30 day period from the date of commencement of the policy (other than accident cases)
  • Naturopathy treatment/ Cosmetic treatments
  • Expenses that are purely diagnostic
  • Non-Allopathic treatments
  • Treatment of congenital defects/anomalies

How to buy this insurance?