Traditional health policies offer basic cover plan for the insured. But foreseeing the magnitude of health problems is as difficult as predicting a health problem itself. Sometimes ailments and related complications demand much more than what we are prepared for.
Star Health brings you Super Surplus Insurance. It offers coverage much larger than the ones offered by basic plans. So, matter what, you are always prepared to face the most unfortunate of health eventualities in the family.
Major Product Features
- The policy offers the benefits of wider protection at a lesser price. This policy is available on individual basis and also on floater basis, covering the entire family
- Family means two adults and two children (children economically dependant and upto 25 years)
Policy Benefits
- Hospitalization Cover: Protects the insured person for in-patient hospitalization expenses for a minimum of 24 hours. These expenses include room and boarding expenses to a maximum of Rs.4,000/- per day
- No ceiling on ICU, medicine, diagnostic charges or consultation fee
- Nursing expenses
- Surgeon's fees, Consultant's fees, Anaesthetist's and Specialist's fees
- Cost of medicines and drugs
Eligibility
- Any person aged between 5 months and 60 years can take this insurance upto a maximum sum insured of Rs10,00,000/-
- Renewals granted upto 75 years
Policy Premium (Individual Basis) (Service Tax extra)
| Sum Insured
| Compulsory Deductible for
| Premium
|
| 7,00,000 | 3,00,000 | 3,000 |
| 10,00,000 | 3,00,000 | 4,000 |
Policy Premium (Family Floater Basis) (Service Tax extra)
| Sum Insured
| Compulsory Deductible for
| Premium
|
| 10,00,000 | 3,00,000 | 5,700 |
| 10,00,000 | 5,00,000 | 4,300 |
Exclusions
- Expenses for the treatment of any illness/diseases/condition which is pre-existing
- Treatment of illness/diseases/sickness contracted by the insured person during the first 30 days from the commencement date of this policy
- Naturopathy treatment
- Expenses which are purely diagnostic in nature, with no positive existence of any disease
- Expenses incurred for non-allopathic treatment
- Treatment of congenital diseases/defects/anomalies
- Expenses which are mainly cosmetic in nature
- Note : For a detailed list of exclusions, refer policy conditions
Claims Procedure
- Inform the ID number for easy reference
- In case of planned hospitalization, please inform 24 hours prior to admission into the hospital
- In case of emergency hospitalization, information to be given within 24 hours after hospitalization
- In non-network hospitals, payment must be made upfront and then reimbursement will be effected on the submission of documents
Star Advantages
- No Third Party Administrator (TPA), direct in-house claims settlement
- Faster & hassle-free claims settlement
- Cashless facility if the treatment is taken in any designated hospital
- Network of more than 4000 hospitals across
- Doctor-on-Call
- 24x7 toll-free helpline
How to buy this insurance?
- Please contact us through our Help Line 099946 12916, 093628 54443/ SMS /
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