Star Health Super Surplus

Star Health Super Surplus is a comprehensive health insurance policy which covers medical expenses incurred by a person due to any illness, disease sickness or injury.   

• Covers individual from the age of 5 months
• Policy can be renewed till the age of 75 years
• Unlike most policies, there is no cap on charges for ICU rent, medicine, diagnostic charges or consultation fee.

• Hospital room accommodation (room rent) if the insured is hospitalised for a minimum 24 hour hospitalisation
• Provides for room and boarding expenses to a maximum of Rs.4,000/- per day
• Fees of the Doctor, Surgeon, Consultant, Anesthetist and Specialist are covered
• Also includes the nursing expenses
• Cost of medicines and drugs, oxygen, blood, artificial limbs, pace-maker, etc. are paid for

• Pre existing diseases are covered after 36 months of continuous insurance.
• There is no ceiling on ICU charges, cost of medicine and drugs, diagnostic charges for investigation purposes or consultation fee of doctors and surgeons unlike most health insurance policies in the industry,

• Two adults
• 2 children (if dependent and till the age of 25 years)

Premiums paid are eligible for tax exemption up to the limits of Rs.15,000 and Rs 20,000 for senior citizen under Section 80D of the IT Act

• There is an initial waiting period of 30 days within which claim is not admitted
• Expenses which are purely diagnostic in nature are not covered under this plan
• Expenses incurred for non-allopathic treatment or naturopathy treatment is excluded
• Cosmetic treatment and surgery is not included
• Treatment of external congenital disease or defects and anomalies are excluded from this policy