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.