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Individual Health Insurance Plans

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Star Super Surplus Top-up Policy

Star Super Surplus – Top-up Policy is a traditional top-up health insurance plan offered by Star Health Insurance Company to provide its customers with a wider range of health insurance benefits to protect them from different types of health hazards, diseases, ailments, and health conditions. A top-up health insurance plan works as a supplement to your regular health insurance cover, by adding additional coverage to your existing health insurance policy. The plan can be bought either for self or family members and to get the coverage on a larger scale, one can opt for the Gold Plan of this policy. Along with the basic covers of a traditional health insurance policy, this plan has come up with different unique benefits and facilities to cater to the varied needs of the individuals.

Eligibility Criteria

ParametersEligibility details
Minimum entry age

Adult – 18 years

Dependent child – 91 days

Maximum entry age

Adult – 65 years

Dependent child – 25 years

Who can purchaseFamily – Self, Spouse, and economically dependent children
Policy year1 year and 2 years
Policy typeIndividual and family floater
Policy variantsSilver Plan and Gold Plan
Pre-acceptance Medical Screening (both Silver and Gold Plans)No Pre-acceptance Medical Screening is required.
Sum insuredFrom Rs. 5 lakhs to Rs. 1 crore
Installment Facility available

Premium can be paid Quarterly and Half-yearly, and also

Annually and Biennially (Once in 2 years).

Long Term DiscountIf the entire premium applicable for two years is paid in advance, the discount available is 5%
Free look period15 days

Details of Star Super Surplus – Top-up Policy

This policy has come up with a sack full of benefits and facilities to offer you maximum coverage against different medical conditions. For your better understanding, the details of the plan are discussed in the below table.

RoomRoom, Boarding, Nursing Expenses as provided by the Hospital / Nursing Home subject to a maximum of Rs.4,000/- per day for Silver Plan.
Hospitalization coverageAnesthesia, Blood, Oxygen, Operation Theatre charges, ICU Charges, Surgical Appliances, Medicines and Drugs, Diagnostic Materials and X-rays, Cost of Pacemaker, and similar expenses. Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees.
Pre-hospitalization expensesUp to 30 days for Silver Plan and up to 60 days for Gold Plan
Post-hospitalization expensesUp to 60 days for Silver Plan and up to 90 days for Gold Plan
Coverage for Modern TreatmentsAvailable, expenses are subject to the limits.
Emergency ambulance chargesAvailable only with the Gold Plan, and that is up to Rs.3,000/- per policy period for transportation of the insured person to the hospital
Air Ambulance expenses

Up to 10% of the sum insured per policy period. Applicable for sum

insured option of Rs.7 lacs and above for the Gold Plan only.

The facility for obtaining E-Medical OpinionAvailable with the Gold Plan only
Delivery expenses

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.

Organ donor expensesAvailable, if the insured person is the recipient

Recharge Benefit (If the sum insured is exhausted or exceeded during the policy period, the additional indemnity would be

provided once for the remaining policy period)

Defined limitRecharge limit
Rs. 3 lakhsRs. 50,000
Rs. 5 lakhsRs. 75,000
Rs. 10 lakhsRs. 1 lakh
Rs. 15 lakhs and aboveRs. 2.5 lakhs
Wellness servicesAvailable through mobile app and customer portal
Waiver of DeductibleAvailable and subject to the terms and conditions of the policy

Premium Calculation of Star Super Surplus – Top-up Policy

When you want to buy a policy, it is important to know about the premium amount that you need to pay for the given details as it helps you to plan the financial expenses and to understand the worth of the policy. So, for your better understanding of Star Super Surplus – Top-up Policy, here is an example of the premium calculation.

Mr. Jaidka a 36-years-old businessman has bought Star Super Surplus – Top-up Policy for himself. Let us find out, how much premium he has to pay for different sum insured options for the given details.

AgePolicy typePlan typePolicy termDeductiblesPayment optionInsurance coverPremium amount including tax
36 yearsIndividualGold Plan2 yearsRs. 10 lakhsFull paymentRs. 15 lakhsRs. 4614
Rs. 20 lakhsRs. 5534
Rs. 25 lakhsRs. 6360

General Exclusions of Star Super Surplus – Top-up Policy

Though this plan acts as a cushion to your existing health insurance policy and has come up with a wide range of benefits and facilities, it also has some exclusions for which it does not pay the compensation. When you are buying an insurance plan, it is very important to know about its exclusions too to avoid future complexities. So, for your better understanding, here are the general exclusions of Star Super Surplus – Top-up Policy, below:

  • If any injury or ailments happen due to war, war-like situations, riots, public outrage, civil war, biological war, etc., this plan does not offer coverage for that.
  • Any self-inflicted injury, suicide, or suicide attempt will not be covered by the policy.
  • If the insured person avails of walkers or wheelchairs, the cost of that will fall under the category of exclusions.
  • Any expenses arising out of the treatments for weight loss or weight management, the policy will not cover.
  • The medical expenses incurred due to cosmetic surgery, or plastic surgery unless subjected to an accident will not be covered by the plan.
  • If the insured person takes part in hazardous activities or adventurous sports such as scuba diving, rock climbing, para-gliding, etc., the company will not take responsibility for that.
  • Expenses related to change of gender treatments and sexually transmitted diseases are also not covered under this policy.
  •  If the insured person receives any kind of treatment that is unauthorized, illegal, or unrecognized, he/she will not get compensation for that.
  • Treatments of injuries that occurred due to the consumption of illegal drugs, alcohol, or any kind of other intoxicating substances will not be covered.
  • Any treatment received before the date of the waiting period will also fall under the category of exclusions.

Frequently Asked Questions

Here’s the list of the frequently asked questions related to the Star Super Surplus – Top-up Policy:

Yes, you can get this top-up plan for your Covid Insurance policy. If the claim exceeds the threshold limit, the top-up cover will come into use.

Yes, if the insured person pays the premium amount in any mode other than by cash, then he/she is eligible for the tax exemption benefit under Section 80D of the Income Tax Act.

The exclusive feature “Talk to Star” offered by Star Health under this plan is a free consultation line for customers all over India. You can get in touch with the insurer’s in-house doctors for a free medical consultation over the phone regarding your health conditions.

The waiting period for pre-existing diseases under the Super Surplus silver plan is 36 months, and for specific treatments, it is 24 months. The waiting period for pre-existing diseases and specific treatments under the Super Surplus gold plan is 12 months.

Yes, all health insurance plans are eligible for a top-up with the Star Super Surplus – Top-up Policy.

There is no co-pay applicable for the Super Surplus policy.

Yes, you can. In that case, the insured person has to migrate the policy to other health insurance products/plans offered by the company. And, you need to apply for the migration of the policy at least 30 days before the policy renewal date as per IRDAI guidelines on Migration.

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