Star Health Super Surplus (Gold)

Affordable super top-up coverage for complete peace of mind.

Plan Overview

The Super Surplus Insurance Policy (Gold Plan) offers a higher sum insured at an affordable premium. It is designed to cover hospitalization expenses that exceed your chosen deductible amount.

Key Features

No Pre-acceptance Medical Screening

Buy the policy without undergoing medical tests (conditions apply).

Air Ambulance

Coverage for air ambulance expenses up to specified limits.

Detailed Features & Benefits

High Sum Insured Options

Choose from a wide range of sum insured options to enhance your existing coverage.

In-patient Hospitalization

Covers room rent, boarding, nursing expenses, surgeon fees, anaesthetist, consultants, specialists fees, etc.

Affordable Premiums

Get extensive coverage at a significantly lower premium compared to a standalone policy.

Day Care Procedures

Covers medical expenses for day care treatments requiring less than 24 hours hospitalization.

Road Ambulance Cover

Expenses incurred for ambulance services for emergency transportation to a hospital.

Tax Benefits

Premiums paid are eligible for tax benefits under Section 80D of the Income Tax Act.

Eligibility & Key Highlights

Eligibility Criteria
  • Entry Age: 18-65 yrs (Adult), 91 days-25 yrs (Child)
  • Medical Screening: Not required up to 50 yrs
  • Renewability: Lifelong renewal available
Plan Highlights
  • Sum Insured: ₹5 Lakhs to ₹1 Crore
  • Policy Term: 1 Year Policy Term
  • Benefit: Save tax u/s 80D

Comprehensive Policy Benefits

  • Room & ICU: Covers room rent and intensive care charges during hospitalization.
  • Medical Professionals: Fees for surgeons, doctors, and nursing staff covered.
  • Procedures: Anesthesia, oxygen, blood, and surgical appliances included.

  • Modern Treatments: Coverage for advanced medical procedures as per policy.
  • Day Care: All day care procedures covered for specified treatments.
  • Ambulance: Emergency ambulance transport road charges covered.

Exclusions (What's Not Covered)

It's important to understand the policy exclusions. Some common exclusions include:

  • Pre-existing Diseases: Covered after a waiting period of 36 months.
  • Initial Waiting Period: 30 days for all illnesses (except accidental injuries).
  • Specific Diseases/Procedures: Certain conditions have a waiting period of 24 months.
  • Cosmetic Surgery: Generally not covered unless required due to an accident.
  • Hazardous Activities: Injuries sustained from participation in dangerous sports or activities.

Downloads & Resources

Product Brochure
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