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Star Health Insurance - Super Surplus

Star helath Plans

Unique features

  • 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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  • Highlights
  • Benefits
  • General Terms
  • Star Advantages
  • A Top up policy providing higher sum insured at a very affordable premium.
  • No pre-acceptance medical screening required.
  • This policy can be taken on Floater basis.
  • The policy offers two plans: Silver Plan and Gold Plan
Super Surplus Insurance Policy (Unique Id : IRDAI/HLT/SHAI/PH/V.II/170/2016-17) (Individual Basis)
Silver Plan Gold Plan
  • Sum Insured on Individual 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 Individual 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

Star Super Surplus (Floater ) Insurance Policy (Unique Id : SHAHLIP19042V031819) (Family Floater Basis)
Silver PlanGold 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.
  • Anesthesia, Blood, Oxygen, and Operation Theatre charges, Cost of Pacemakers.
  • Pre and Post Hospitalization – 30 days and 60 days
  • Pre-Existing Diseases / Illness: Covered after 36 months of continuous Insurance without break with any Non Life Indian Insurance Company.
  • Waiting period for Specific diseases – 24 months
  • 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.
  • Anesthesia, Blood, Oxygen, and Operation Theatre charges, Surgical Appliances, Medicines and Drugs, Diagnostic Materials, X-ray and Cost of Pacemakers.
  • Pre and Post Hospitalization – 60 days and 90days.
  • Pre Existing Diseases as defined in the policy until 12 consecutive months of continuous coverage have elapsed; since inception of the first policy with any Indian Insurer.
  • Waiting period for Specific diseases – 12 months
  • 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
  • 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.   
  • 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
  • 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 Medical Second opinion
  • Co-pay 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

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