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Star Health Super Surplus Insurance Plan

Objective

This is a top-up policy that aims to protect policyholders from higher claims in a cost efficient manner.


Suited for

This policy is suitable for those who are covered under employer's insurance policy. It can be bought as an extension to your existing policy to provide higher protection. It is also worthy for older people when the chances of higher claims are more.


What does it do?

This policy works as a top-up on your existing insurance cover to pay for expenses which could go beyond your existing cover. It can be bought as a supplementary policy to pay for higher claims. This policy will not get triggered until your expenses cross the deductible. Deductible is the limit which has to paid by your existing policy or out of your pocket if uninsured. Deductible applies on a per-claim basis. For an instance, if the policyholder has a top-up cover with a threshold of Rs 3 lakh and gets hospitalized twice in a year with bills of Rs 2.5 lakh and Rs 2 lakh respectively, the top-up plan will not be triggered. This policy will activate only if the single hospitalisation bill exceeds the threshold mark.


Pros

This policy can be bought online.
Premium paid towards this policy qualifies for deduction under section 80D of Income Tax Act.


Cons

The policy does not allow lifelong renewal.
Deductible applies on per-claim basis.


Our View

This policy is good for those who foresee bigger responsibilities and thus wish to increase their health cover. Sharing costs through a top-up policy is useful as it provides higher cover at comparatively low rates. Deductible on per-claim basis is a drawback. Nonetheless, this policy is suitable for the elderly as they are more likely to risk of high medical bills.

Eligibility
Entry Age (years) 
Minimum5 months
Maximum60
Maximum Policy Renewal Age (years)75
Coverage TypeIndividual/ Family Floater
Sum Insured (Rs) 
Maximum7 lakh for individual and family floater over and abover deductible
Minimum4 lakh for individual and 5 lakh for family floater over and above deductible
Policy Term (years)1
Tax BenefitPremium paid is eligible for tax benefit under section 80D of the Income Tax Act
Pre Policy Medical Check UpNot required upto 50 years of age
Customer Service 
AddressStar Health and Allied Insurance Company Limited
Corporate Office: No.1, New Tank Street,
Valluvar Kottam High Road, Nungambakkam,
Chennai - 600034.
Mail to[email protected], [email protected]
Call to1800 425 2255/ / 044 2826 3300
SMSSTAR to 56677
Network HospitalsHttp://www.starhealth.in/hospital.php
Additions to the Plan
Scope of Cover
Cashless facilityAvailable at empanelled network hospitals in India
Re-imbursementAvailable if treatment taken at any non empanelled non network hospital
In-patient hospitalisationCovered
Room rent, boardingcovered upto a maximum of Rs. 4,000 per day
ICU, Nursing expenses, Drugs and Diagnostic tests, Fees for Doctor / Surgeon / Consultant / Anesthetistcovered
Exclusions and Waiting Period
Pre existing diseasesCovered after 36 months
No claim periodAny disease contracted during the first 30 days of commencement of the policy
DeductibleIndividual Cover : 3 lakhFamily floater : 3 lakh/ 5 lakh
Other exclusionsCosmetic or beauty related treatmentsNaturopathy/ Non Allopathic treatment
Annual Premium Option for Family Floater Policy
Sum Insured(in Rs; over and above the deductible limit)Deductible Amount (R)Premium (R)
7 lakh3 lakh6405
5 lakh5 lakh4831
Indicative premiums; irrespective of age; inclusive of service tax

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